Is the worst over on dud loans in state-run banks? Here's what data says

State-run banks' standard restructured advances fell to Rs 0.34 trillion by Q3FY19

Is the worst over on dud loans in state-run banks? As a result of the asset quality review, standard restructured advances (SRAs) in these banks fell to Rs 0.34 trillion (or 0.5 per cent of gross advances) by Q3 FY19 from a peak of Rs 3.93 trillion (or seven per cent of gross advances) in FY15. 

Over the same period, gross non-performing assets (NPAs) moved to 13.7 per cent of gross advances from five per cent. State-run banks had set aside Rs 8.12 trillion in provisions by Q3 FY19 since recognition began in FY15. 

As a result, the Provision Coverage