Crisil said a major factor influencing the bank NPAs is the improvement in the high-value corporate loanbooks, where the gross NPAs are slated to come below 2 per cent. Corporates have been reducing their leverage through a string of measures, including prepayment of loans as well.source https://economictimes.indiatimes.com/industry/banking/finance/banking/bank-npas-to-improve-to-decadal-low-of-3-8pc-by-fy24-end-crisil/articleshow/99219269.cms
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