Large Borrowers loan accounts and bad loans decline for SCBs

Published on July 03, 2022
Current Context: As per RBI's recent report the share of large borrowers for scheduled commercial banks and gross NPA has declined in recent times.
Large Borrowers loan accounts and bad loans decline for SCBs
  • Share of large borrowers, whose aggregate fund and non-fund based exposure of Rs 5 crore and above, has been declining in recent years.
  • It will lead to a reduction in credit concentration and diversification of borrowers.
  • As per the report, the GNPA ratio of large borrowers has declined to 7.7% in March 2022.
  • While the asset quality of SCBs continued to improve as the GNPA ratio declined.
  • Apart from that, the Net non-performing assets (NNPA) ratio also fell by 70 bps and stood at 1.7% from 2020-21.

Question:

Q.1 As per the Financial Stability report, the gross nonperforming assets of large borrowers have declined to _______?
a. 6.4%
b. 7.7%
c. 5.2%
d. 4.1%

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