PNB, Bank of India, Andhra Bank and Union Bank of India, the capital adequacy ratio at these banks is very close to the RBI's minimum norm of nine percent.

M.S. Raghavan, Chairman and Managing Director of IDBI Bank, says “banks will see formidable challenges to expansion when the Basel-III norms are fully implemented by 2018. We will have to keep generating incremental capital." Basel III is a global, voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity risk and this is scheduled to be introduced from 2013 to 2015.

Considering all the above, the banking sector is also taking up new challenges to fund for a better infrastructure facility. These kinds of projects are focus of attention for developmental financial institutions like the Industrial Development Bank of India and Industrial Credit and Investment Corporation of India.

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