Business Here's why Morgan Stanley expects this private bank to give 100% returns in two years Updated : November 27, 2019 12:33 PM IST The stock has surged 43 percent in the last 1 year and 42 percent in 2019 despite the demand and growth slowdown. Asset quality is likely to improve quickly as the brokerage expects a sharp decline in provisions in FY20 with slowing new NPL formation. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.