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What Does RBI's Financial Stability Report Reveal? | Mint Primer | Mint

RBI’s Financial Stability Report (FSR) reveals the gross non-performing assets (GNPA) ratio has been gradually trending downwards from 9.3% in September 2019 to a seven-year low at 5.0% in September 2022, while net non-performing assets have dropped to a 10-year low of 1.3% of total assets. The stress tests in RBI’s Financial Stability Report showed that banks are capable of absorbing shocks even under adverse situations. Let's do an in-depth analysis of the report to determine its trend, the policy actions that have been helpful, and what can be done to make things even better.

5 Feb 2023
Opinion

Opinion | Abolish cash to get a large economy expanding swiftly

This would let interest rates be slashed deeper into the negative zone and thus push growth up

4 min read25 Feb 2020
Politics

Total government liabilities rise to ₹83.40 lakh crore in Q3: FinMin report

During the October-December 2018 period, the central government issued dated securities worth ₹1.27 lakh crorePublic debt accounted for 89.5% of total outstanding liabilities at the end of December 2018 with internal debt accounting for 83.3% share

1 min read8 Mar 2019
Home-page

Banks with over 10 branches to have internal ombudsman: RBI

The internal ombudsman scheme was introduced by the RBI to strengthen the internal grievance of banks and to ensure that the complaints of the customers are redressed

1 min read3 Sep 2018
Opinion

Financing reindustrialization: bring back development banks

Commercial banks simply do not have the capability to assess credit risk on long-term investment lending because they have always been engaged in advancing short-term working capital

8 min read10 May 2018
Market

New lending rate regime: Is RBI fixing what is not broken?

The larger question is whether RBI should be prescribing how commercial banks decide their lending rates

2 min read10 Oct 2017
Market

Home loan growth hits a new low, defying forecast of a realty revival

Monthly data over the last four years from the Centre for Monitoring Indian Economy shows a declining trend in home loan growth rate since September

1 min read19 Sep 2017
Market

Bank loans outstanding to the roads sector contract from a year ago

While there's a lot of hype about the rising activity in road construction, data from scheduled commercial banks suggests that banks are wary of funding the sector

1 min read6 Sep 2017
Industry

Banks non-food credit growth slows to 5.3% in July

RBI data shows non-food bank credit growth of schedule commercials banks slowed to 5.3% in July as compared with a rise of 8.3% in the same month last year

1 min read31 Aug 2017
Industry

China’s central bank said to inject funds after missed interbank payments

China's central bank injected hundreds of billions of yuan into the financial system after some smaller lenders failed to repay borrowings in the interbank market

2 min read21 Mar 2017
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Budget

The Union Budget contains details about the estimated receipts and the expenditure of the government for a particular fiscal year. The Budget is allotted for the upcoming fiscal year, which runs from 1st April to 31st March of the next year. Here is a quick guide on how the Union Budget is prepared

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