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 2023This would let interest rates be slashed deeper into the negative zone and thus push growth up
4 min read25 Feb 2020During 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 2019The 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 2018Commercial 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 2018The larger question is whether RBI should be prescribing how commercial banks decide their lending rates
2 min read10 Oct 2017Monthly 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 2017While 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 2017RBI 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 2017China'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 2017The 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