NPAs expected to increase in first half of 2021: FICCI-IBA survey SECTIONS Last Updated: Mar 17, 2021, 04:23 PM IST Share Synopsis The findings are part of the 12th round of bankers' survey carried out by FICCI-IBA between July and December 2020. Agencies The long-term credit demand has been growing for sectors such as infrastructure, pharmaceuticals and food processing, the findings showed. Asset quality of banks, which saw some improvement in the second half of 2020, is likely to worsen during the first six months of 2021, according to a survey. The findings are part of the 12th round of bankers' survey carried out by FICCI-IBA between July and December 2020.