Consider the following statements with respect to the  report on Trends and Progress of Banking in India 2022-23  provided by RBI related to the Gross NPAs of the banks - I.The gross non-performing asset (GNP

• A ratio of scheduled commercial banks (SCBs) fell to 3.2 per cent at end-September from 3.9 per cent at end-March . II.The GNPA ratio remained the highest for the agricultural sector and the lowest for retail loans as at end-September. III.The report said non-banking financial companies (NBFCs) gross advances grew by 16.1 per cent in 2022-23 from 9 per cent in 2021-22. Which of the following statements is/are TRUE ?