At the same time, fresh slippages came down significantly to Rs 5,130 crore during the quarter, compared with Rs 30,377 crore in the corresponding period a year ago. With respect to accounts covered under the provisions of the Insolvency and Bankruptcy Code (IBC), the bank is holding total provision of Rs 11,940.15 crore as on March 31, 2019, (84.63 per cent of total outstanding) including additional provision of Rs 433.93 crore in said accounts made during the year ended March 31, 2019, it said. Talking about the way forward, Mehta said the focus area would be recovery of NPAs, conservation of capital, rationalising operation and sale of non-core assets, among others. The bank still has a handful of non-core assets and things are in process even if PNB Housing Finance does not go again. "We expect roughly Rs 1,000 crore from non-core asset sale," he said.