The same declined 10.65 per cent YoY. While the NPAs in the corporate segment continued to decline, the NPAs in all other segments, including agri, SME and retail, were higher QoQ. Consequently, sequentially stable gross non-performing asset ratio (GNPA) ratio was mainly driven by elevated write-offs. The GNPA was at 7.53 per cent down 316 basis points year on year. The net NPA ratio at 3.07 per cent was down 222 basis points YoY. The provision coverage ratio improved significantly by 1009 bps from 69.25 per cent as on June 2018 to 79.34 per cent as on June 2019. Speaking at the earnings press conference, Rajnish Kumar, Chairman, SBI, said, "The balance sheet of SBI is Rs 23 lakh crore and stress is one percent… We aim to keep the total slippage ratio to below 2 per cent." The Domestic Net Interest Margin increased to 3.01 per cent in Q1FY20 compared to 3.02 per cent in Q4FY19.