Mumbai, December 4: In a study carried out by the State Bank of India (SBI)’s research team, there are two emerging trends on Indian banks. Public Sector Banks (PSBs) are coming out of the woods as there is a remarkable improvement in asset quality cycle and in the lower interest regime, quantum of term deposits with the banking system is shrinking with more and more money being deployed in the stock market by High Networth Individuals (HNIs) and retail investors.