The country's financial sector continues to cry for order into the third year of NDA government. In FY 17, public sector banks (PSBs) had to write off a staggering Rs 81,683 crore worth of bad loans, jumping more than 41 percent over the previous year's write-off amount of Rs 57,586 crore, according to official FinMin statistics. Even as the amount of loans written off has been rising steadily in the past five years, PSBs combined profitability deteriorated sharply during the same period, as NPAs spiked and the Reserve Bank of India (RBI)-mandated asset quality review forced them to make higher disclosures of non-performing assets. In the past couple of years, PSBs net losses totaled over Rs 19,529 crore, even as the government capital infusion during these two years, at Rs 47,915 crore, was the highest in the last decade. The gross NPA of banks has risen to 9.6 percent (of total advances) in March 2017, from 9.2 percent in September 2016, as per the RBI data. The stressed advances ratio declined marginally from 12.3 percent to 12 percent due to fall in restructured standard advances, especially in agriculture, services, and retail sectors, the data showed.