While banks are competing strongly for customers with low credit risk, their appetite to lend to riskier borrowers has lessened a bit. Some of the non-bank lenders are providing credit to these borrowers. This change in financial trends has helped reduce the build-up of risk.
The other exports, of course, are heavily dependent on the global recovery. However, as I said earlier, we are now seeing definite signs of recovery in our major trading partner economies, and if this continues, I am quite confident that most of our exports should start to recover from next year, if not sooner.