about losses, a question: when sfi lends money, they take a collateral. If a loan of 100 becomes npl, and the value of collateral is x(expected to be greater than 100), what is the depreciation they take? 100? or 100minus x? In fact if they only that good collateral, their losses is not so great, they just lose the income on the npl, gut they will get back yhe money at the end when they sell the collateral am I totally wrong?