The share of incremental non-food credit to micro and small enterprises declined to 11.9 per cent in May, compared with 16 per cent in May 2009
. Loans to real estate dropped sharply for the year ended May 21 to 1.2 per cent from 54.9 per cent a year ago. Loan flow to housing sector improved to 9.6 per cent, compared with 5.7 per cent, while credit card outstanding fell 27.4 per cent compared with a growth of 1.4 per cent in the previous year.