Building a mid-corporate franchise that is profitable throughout the economic cycle has proven difficult, with only a few successes in Asia to date. For example, a review of India’s mid-corporate segment showed return on assets (ROA) varying by as much as 450 basis points between low and high performers. This significant variance is due primarily to two factors: risk costs, given the vulnerability of these companies in an economic crisis, and the ability to cross-sell other products based on primary bank relationships.