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Will 2013 be tougher for Indian banks?

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Ananda Bhoumik, senior director - Banks & FI, India Ratings & Research, A Fitch Group Company; Abraham Chacko, executive director, Federal Bank; R.K. Bansal, ED, IDBI, and Kajal Gandhi, AVP Research, ICICI Direct, whether Indian banks are bracing for difficult months ahead in light of higher NPAs, stricter provisioning norms and slower credit growth.

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