i think number 2...
as its bound to happen my reason for this is as they got good assets and its just the time which will heal this.
Banks cant call it a day coz they will go down with it as well for all there unsecured loans. Somehow i think giving loans without any security is they wanted TO EARN INTEREST ON THEIR MONEY AND THEY ARE GETTING THAT TILL DATE..No issues so stay positve it will get us there.
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