Bank is the symbol of trust and people put their hard earned money and valuables in the bank. Lately, a significant number of local banks have been failing to maintain central bank required reserve and even loan loss provision reserve. This is alarming and the banker's association hired you as a consultant for remedy. You need to craft a brief but solid strategy on how to reduce NPL, collect default loans and streamline the credit granting process. Also, tell us how we can improve this lackluster reserve shortcomings.