aplaya,, loss me hai doesnt mean ki banks r hvng loss in ddre balance sheet,, rather d provisioning dat banks do 4 npa automathcaly decrease banks profits,, toh itz a type of loss as banks r loosing a big amt on provisng,, plus many times v hv heard ki govt aur paise invest kregi in psb to make it financially strong,,, toh sirjee i can tel u ki dere r lot of branches of sbi which hv failed in increasng business,, infact aisi bahut saari branches mil jaayengi jahan pe customer base hi nhi hai aur bm sirf diwaaro ko dekh kar time pass krta hai,, so many reasns behind dis bm nt capable to attract bakra bole toh customers,, punishment branches where a big fraud had occured earlier ,,, ibn yaar 1 thing i m sure ki new basic 4 po wud b mre than 21k ,, likh k le lo,,,