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Friday, November 11, 2011. Obviously when credit growth is coming down, NIM is under pressure, ratio of NPA is going up quarter after quarter, provisioning need is increasing and other income is shrinking, future of not only SBI but that of all public sector banks appears to be bleak. Other banks have also published their balance sheet for the September quarter registering similar growth in bad assets, increase in provisioning and fall in profit. I am unable to understand when Gov.