The bank's asset quality has improved substantially from FY12 to FY14. Its gross npa has improved from 3.3% in FY12 to 2.95% in FY14 whereas its Net NPA has improved from 2.10% in FY12 to 1.90% in FY14. This has been possible due to decreased slippages (1.26% versus 2.6% run rate over past six quarters) and higher write offs of ` 1.4 Bn in FY14. This shows the Bank is monitoring the NPAs very closely and going forward has set a guidance of gross NPA at a level of 2.40% and the Net NPA at a level of 1.50% in FY15E. The major stress comes from micro, small, medium & large enterprise which contributes to 16.5% to the total advances. Also the...