The bank's asset quality has slightly deteriorated over the past years, but considering the current macro economic scenario, the asset quality has been in a fair range and has not really worsened. The Net NPA has increased from 0.27% in FY12 to 0.31% in FY13, where as Gross NPA has gone up from 0.99% to 1.03% during the same period. The major stress comes from the Commercial Vehicle (CV) segment, which contributes to 22.5% of the total advance book, the stress is expected to continue in this particular segment....