Banks Unleash Lending Magic Amidst Credit Mysteries

In the magical land of finance, banks have unleashed their lending spells since FY21! However, beware the lurking shadows of high credit-deposit ratios among the private sector sorcerers, which could cause liquidity potions to fizzle. With enchanted write-offs reducing non-performing assets, the Reserve Bank's goblins have conjured multi-decade lows, though not without their share of trickery!