NPAs of PSBs

Yesterday, there was interview of former Chairman of SBI Mr Choudhari on CNBC. Anchor asked him what was main cause of such high NPAs in banks: Whether slow down in respective industries or inefficiency and outright corrupt promoters.

Mr Choudhari replied that 90% of NPAs due to slowdown in respective industries and only 10% blame on promoters

No wonder that NPAs have risen so much due to such vested attitude of bankers.

If he had accepted that 90%(or little lower) NPAs were due to inefficient and outright corrupt promoters, bankers  would have been blamed as to why bank sanctions loans to such promoters without proper due diligence

Now my question to Mr Choudhari is:

Slowdown only for clients of PSBs?  Slowdown has not hit clients of private sector banks? Why such low NPAs in private sector banks? If slowdown was main factor, then NPAs in private sector banks also would have been much higher

Clear case of shielding bankers from the blame and no guts to point fingers at DIIs (Dacoits of Indian Inc)