¨
Report on Trend and Progress
of Banking in India 2024-25 has been released by RBI.
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In the report, continued
resilience of the banking sector has been highlighted.
¨
The report also
highlights that continued resilience of the banking sector is supported by
strong balance sheet growth, improved asset quality and profitability.
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As per RBI, the banking
sector in FY25 was supported by double-digit expansion in balance sheets.
¨
However, the pace of
growth moderated in comparison with the previous financial year.
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The growth of both deposits
and credit of scheduled commercial banks was double digits in FY25.
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The growth was at a
slower rate than in FY24.
¨
Gross non-performing
assets (GNPA) ratio declined to a multi-decadal low of 2.2% in end of March
2025.
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It further declined to
2.1% by end of September 2025.
¨
This reflects sustained
stress resolution and better credit underwriting.
¨
Profitability of banks
was robust in FY25.
¨
Return on Assets (RoA)
stood at 1.4 per cent and Return on Equity (RoE) stood at 13.5 per cent in
FY25, as per the RBI report.
