It is not surprising to me that SBI net profit has gone down .I know very well that profit of all PSU banks will go down and gradually enter into loss zone.None can stop PSU banks to go bankrupt in the near future. Because NPA are mounting every year and they are non recoverable under the prevailing conditions of administration, judiciary and politics of vote banks.As a matter of fact banks are hiding NPA and showing concocted and fabricated balance sheet . Exposed NPA may be far less than actual NPA.Bankers and Chartered Accountant work together in mutual interest of mutual survival .If all banks and each brasnch truely reflect their NPA as per RBI norms I apprehand many branches will book loss and as a whole banking industry will book unimaginable loss.Government bark on credit delivery to farm sector or export zone or for real estate and as per their desire banks go on disbursing loans to achieve the target.This is why for last five years there has been unprecedented growth in credit compared to growth in preceeding five years. It is unfortunate that there is no comensurating growth in deposits to cater to demand for fresh credit. As a result banks are offering higher and higher interest rate on deposits but unable to increase rate of interest on advances because of restraint put by RBI as also Government of India, directly or indirectly, by way of government order or by firing CMD,s in bankers meeting .It is therefore not surprising that interest margin will get diluted gradually and definitely create erosion in profits.To add fuel to fire there is no sure sort mechanism to ensure 100 percent recovery of banks loans. money suit or case under DRT or possession of security under Securitisatioin Act , or certificate cases all have failed to create terror in the minds of borrower . As such culture of non repayment of loans and then demand for waiver of interest and demand for compromise is growing and taking roots allwhere in the country. NPA is bound to increase and cause loss of profit and ultimately loss of assets and last but not the least is loss of public hard earned money which they deposited in the banks.Of course private banks are showing better and better results compared to PSU banks . Because they have adopted best technolodgy, best infrastructure , talented and devoted workforce, better pay structure for employees, better HRD policites to promote hard and honest worker ,better facilites for customers and last but not the least they can adopt coercive methods to recover the loan from defaulting borrowers.Government is playing dual game , framing dual policies and giving treatment to banks differently when we talk of private and PSU banks. All unproductive work of pension or teachers salary payment or old age pension or deposit of tax etc are associated with PSDU banks. Advances under government sponserd scheme is also the duty of PSU banks to achieve the target set by Government under various welfate scheme to enrich vote banks of political parties.Lastly all big advances under the recommendations of MP's and Ministers are possible in PSU banks, not at all in private banks.It is very much open secret that 80 percent of NPA of the banks are related to politicians,officers,their kith and kin.That is the root cause that No Hard Policy Can be framed by the government to recover NPA .Why not profit of SBI should then come down?Why only SBI all other PSU banks have to face the same situation sooner or later.