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RBI Releases "Trend and Progress of Banking in India 2024-25" Report.

Banking & Finance | Dated: 11 Dec 2025

The Reserve Bank of India (RBI) released its annual report titled "Trend and Progress of Banking in India 2024-25". The report highlights that the Gross Non-Performing Assets (GNPA) ratio of Scheduled Commercial Banks (SCBs) has fallen to a multi-year low of 2.6%. It also notes a robust credit growth of 16.5% year-on-year, driven by the services and retail sectors.

🎯 Key Highlights:

  • The Capital to Risk-Weighted Assets Ratio (CRAR) of SCBs stood healthy at 17.2%, well above the regulatory requirement.
  • The report flagged concerns regarding the high growth in unsecured retail loans and advised banks to increase risk buffers.
  • Profitability of banks improved significantly, with Return on Assets (RoA) touching 1.3%.

💡 Other Important Facts:

  • Report: Trend and Progress of Banking 2024-25.
  • GNPA Ratio: 2.6% (Multi-year low).
  • Credit Growth: 16.5%.

📚 Test Your Knowledge:

According to the RBI report for 2024-25, what is the Gross Non-Performing Assets (GNPA) ratio of Scheduled Commercial Banks?

Correct Answer: 2.6%

🚀 Quick Recap:

About RBI

  • Governor – Shaktikanta Das
  • HQ – Mumbai