PREVIOUS
✖
RBI Report on Banking
January 2 , 2026
12 hrs 0 min
20
0
- The RBI released the Trends and Progress of Banking in India 2023–24 report, highlighting emerging risks in the banking sector.
- Gross Non-Performing Assets (GNPA) declined to a 13-year low of 2.7% in March 2024 and further to 2.5% by September 2024.
- Banks have recorded higher profitability, with Return on Assets (RoA) at 1.4% and Return on Equity (RoE) at 14.6% in Financial Year (FY) 2023–24.
- The RBI flagged concerns over the rising share of unsecured loans, which accounted for 25.3% of total credit in Scheduled Commercial Banks (SCBs) by March 2024.
- Non-Banking Financial Companies (NBFCs) showed strong credit growth with improved asset quality and a healthy Capital Adequacy Ratio (CAR).
- The report also noted risks from dark patterns in digital lending and high employee attrition in banks, affecting operational stability.
Leave a Reply
Your Comment is awaiting moderation.