Insufficient funds <a href=" http://www.lisovani.cz/buy-effexor-xr.pdf#waiter ">venlafaxine xr 75 mg high</a> In the first quarter of the current fiscal year, top lender State Bank of India reported a second consecutive drop in its quarterly profit, weighed down by loan defaults. Most state-run banks, including Punjab National Bank, have also reported a rise in bad loans.