Nesdo vs jalpa? As per q3 2079/80

I am leaning towards nesdo because of

– lesser increase in interest expenses
– less staff expenses

But nesdo has bit higher NPL and no provision for possible loss. Provision for possible loss is what turned jalpa q3 earnings into negative. And it seems since nesdo also has high NPL, having no provision doesn’t make sense? I don’t understand.

Any help is appreciated.

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