ICRA rating has forecast a weak return on assets (RoA)s for public sector banks (PSBs) for financial year 2019-20, which will just about break-even, with most of their operating profits getting consumed by the credit provisions. This would result in overall poor profitability and feeble Return on Equity (RoE) of less than 1 per cent. The private sector banks (PVBs) too will face another challenging year due to high credit cost during FY2020 and a muted RoE at 9-10 per cent, notwithstanding a 15-30 per cent Y-o-Y growth in their net profits during FY2020.