♦ The Reserve Bank of India (RBI) released its Financial Stability Report on 30 June 2025.

♦ It said that the gross non-performing assets (NPA) of the 46 banks may marginally rise to 2.5 percent by March 2027, from 2.3 percent in March 2025. 

♦ Schedule commercial continued to record improvement in their asset quality, with the gross NPA ratio and net NPA ratio declining to multi-decadal lows of 2.3 percent and 0.5 percent, respectively.

♦ The Provisioning Coverage Ratio (PCR) of banks at 76.3 per cent in March 2025 was marginally lower than that in September 2024.

♦ The write-offs to GNPA ratio for SCBs moved up marginally to 31.8 per cent in 2024-25 from 29.5 per cent in the previous year, led by private banks and foreign banks, while write-offs by PSBs exhibited a marginal decline.