“The rise in NPAs is also because of a consistent decline in the loan portfolio especially the wholesale book since FY19,” the rating agency noted. “Stage 3 asset proportion is higher for the wholesale book (15.9%) than for the retail book (3.8%) in 1QFY22.”source https://economictimes.indiatimes.com/industry/banking/finance/equity-raising-critical-for-pnb-housing-amid-rising-delinquencies-india-ratings/articleshow/85447732.cms
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