According to the FICCI-IBA Bankers survey, banks anticipate a boost in asset quality over the next six months, citing restructuring of stressed units and a resilient economy. More than half of the respondents expect gross non-performing assets (GNPA) to be within 3-3.5%, with 14% predicting levels between 2.5-3%. Factors contributing to this improvement include One Time Settlement proposals, robust recovery mechanisms, and the SARFAESI Act. The survey also highlights banks’ readiness for the Expected Credit Loss (ECL) provisioning regime, with most having established models and frameworks. Additionally, optimistic projections for non-food industry credit growth are reported, with expectations ranging from 8-12%.