A lot of factors are behind the stress in the banking system, and incremental improvement in each will have to take place for the environment to improve, says SBI MD Rajnish Kumar.
"The overall macroeconomic environment must improve. Then there are people who have borrowed money and they have to find ways to deleverage. If there is a demand pick up in the economy, definitely some stress will come down," the SBI chief told CNBC-TV18.
Banks are doing their bit to help manage the NPA situation, he said. "We are allowing certain sort of time for repayment or restructuring the payments, so in the last two years this has been a pretty intensive exercise as far as bankers are concerned."
"There are signs that the stress is levelling out and as a banker we can always hope that better days are ahead," he added.