Banking Health Indicators

Banking health indicators reflect the stability, efficiency and resilience of banks, guiding regulatory actions and forming the basis of financial stability assessments.

Recent Developments

  • Gross Non-Performing Assets (GNPA) fell to a 12-year low of 2.8% in March 2024
  • Bad loans are down across public, private, and foreign banks
  • Sector-wise decline seen in agriculture, industry, services, and personal loans
  • Within industry, bad loans still high in gems & jewellery and construction
  • In personal loans, credit card NPAs remain elevated
  • Retail loan NPAs improved from 2.1% (June 2022) to 1.2% (March 2024)
  • Slippages from retail loans formed 40% of new NPAs in ....
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