The 11 state-run banks, which are under the Reserve Bank’s prompt corrective action (PCA) framework, has seen a 400 basis points increase in their share of retail loans at 19 per cent of the system in the four years ending September 2018, says a report. A report by the brokerage said Friday it is often misreported that banks under PCA aren’t allowed to grow (gross loans have indeed fallen 10 per cent since March 2015). Yet their retail and home loans are up 16 per cent and 53 per cent. Their share of retail loans has risen from 15 per cent in March 2015 to 19 per cent in September 18, while their share of home loans in retail has climbed from 46 per cent to 61 per cent in the same period, the report said. The report, however, suspects that banks under PCA have lost market share to private sector banks in corporate loans and unsecured personal loans, and that it will be a Herculean task for them affected banks to claw this back.