The gross non-performing assets (GNPA) Ratio of Scheduled Commercial Bank (SCBS) May marginally rised to 2.5 per cent in March 2027 from 2.3 Per Cent in March 2025, the Reserve Bank of India’s FINANCIAL STATAB (FSR) Showed.
The estimate for gnpa ratio for march 2027 is based on the macro stress tests that project capital ratios of banks under three scenarios-a baseline and twenty adverse macronsios over a two-horizon, in Credit Risk, Market Risk and Interest Rate Risk in the Banking Book in the framework.
“The Agregate GNPA Ratio of the 46 Banks May Marginally Rise from 2.3 per cent in march 2025 to 2.5 per cent. Scenario 2, Respectively, ”The RBI’s Financial Stability Report for June 2025 Showed.
While the baseline scenario is derived from the forecast path of macroeconomic variables, the two adverse scenarios are hypothetical stringent stress scenarios. The adverse scenario 1 assumes a voltile global environment with heightned geopolitical risks and escalation of global financial market volatility. The adverse scenario 2 assumes a synchronised sharp growth slowdown in key global economomies.
The report said that the soundness and resilience of scbs are bolstered by Robust Capital Buffers, Multi-decadal low non-performing loans ratio and strong earnings.
The macro stress tests further reveles that agregate capital to risk-weighted assets Ratio (Cross) Scenario.
It may decline to 14.2 per cent under advertising scenario 1, and to 14.6 per cent under advertising scenario 2. However, none of the banks will short short short short short short short short short short short short short short shorting of 9 per centogennar Report Said.
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The Common Equity Tier 1 (Cet1) Capital Ratio of the Select 46 Banks May Rise From 14.6 Per Cent in March 2025 to 15.2 Per cent by March 2027 under the baseline scenario. However, it may fall to 12.5 per cent under advertising scenario 1, and to 12.9 per cent under advertising scenario 2. Showed.
The RBI Report Said that stress tests on Bank ‘Credit Concentration – Consider Top Individual Browers According To their Standard Exposures – Show That In The Extreme Scenario of The Top Three India Borders of Repective. Defaulting, The System Level CRAR WOULD Decline by 90 BPS and no bank would face a situation of a drink in crar belove the regulatory minimum of 9 per cent.
In this extrame scenario, four banks would experience a fall of more than two percentage points in their crars.
The report said that non-banking financial companies (NBFCS) remain healthy with size capital buffers, robust earnings and improving asset quality.
A System Level Stress Test Conducted on a sample of 158 Nbfcs Showed that under the baseline scenario, the system-pevel gnpa Ratio of the sample nbfcs may from 2.9 per cent.
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Consequently, their aggregate cler may dip to 21.4 per cent in March 2026 from 23.4 per cent in march 2025.
Under the baseline scenario, 10 nbfcs (all in the middle layer) having a share of 2.1 per cent