The final figure for Mar 2014 is yet to be known; While some may view this ratio as reasonable given the economic conditions prevalent in the country and elsewhere, the total stressed assets in the banking system (which includes NPAs and restructured standard assets) as at Dec 2013 was 10.13 per cent of the gross advances of the banks, which is a cause of concern for the Reserve Bank.
to be able to effectively deliver on its clients’ requirements. (c)  The third challenge is bracing for possible competition in future. Today, IBPS is alone in this field. As the number of institutions and the services desired increases, newer institutions providing similar services may come up. Thus, IBPS must strive to move up the value chain.