NABARD Chairman H K Bhanwala has said that the process of migrating to the core banking solution has been completed at all the Regional Rural Banks (RRBs). Speaking to reporters in Mumbai on Tuesday, he said now focus is on installing ATMs at those branches which witness over 100 transactions per day. Barring one bank from Nagaland, Mr. Bhanwala said all the RRBs are now profitable and many of them have their capital adequacy ratios above the RBI-mandated 9 per cent mark. He said that all the 57 RRBs, as a whole, will have gross Non-Performing Assets of 6 per cent in this fiscal, just the same as that in March 2013. Mr. Bhanwala said that all RRBs have been individually asked to formulate guidelines so as to bring down the gross NPAs under the 5 per cent mark by the end of June. NABARD or the National Bank for Agriculture and Rural Development, supervises the conduct of RRBs.