A study of ten large corporate groups has revealed that the share of these groups in total banking sector credit more than doubled between 2007 and 2013 even while, the overall debt of these groups rose six times (from under Rs. one trillion to over Rs. six trillion). Hence, this is an area where the banks need to focus more closely in future. 13.
At the same time, banks cannot ignore their own capital requirement for supporting the projected growth of their balance sheet. They must closely look at the state of the economy, expected credit expansion, requirements of provision for loan losses and other present and future liabilities and model them into their capital requirement. 14.