Indian Public Sector Banks Report Strong Profitability and Improved Financial Health in FY25
| Key Points | Details |
|---|---|
| Net Profit (PSBs) | ₹85,520 crore in H1 FY25 (up 25% from ₹68,500 crore in H1 FY24). |
| Gross NPA Ratio (PSBs) | 3.12% in September 2024 (down from 14.58% in March 2018). |
| Highest Aggregate Net Profit | ₹1.41 trillion in FY24. |
| Capital to Risk-Weighted Assets Ratio (CRAR) | 15.43% for PSBs in Sep 2024 (RBI minimum requirement: 11.5%). |
| Return on Assets (RoA) | 1.4% in FY24. |
| Return on Equity (RoE) | 14.6% in FY24. |
| Dividend by PSBs | ₹61,964 crore in the last three years. |
| Digital Fraud Losses | ₹11,333 crore in 2024. |
| RBI's 4Rs Strategy | Recognition, Recapitalization, Resolution, and Reform. |
| Year-on-Year Credit Growth (SCBs) | 12.4% as of November 15, 2024. |
| Year-on-Year Deposit Growth (SCBs) | 11.6% as of November 15, 2024. |
| Reserve Bank's Initiative | Asset Quality Review (AQR) in 2015 for transparent recognition of NPAs. |
| Global and National Ranking Impacts | Enhanced banking stability positions India closer to achieving a twin balance sheet advantage. |
| Prime Minister's Statement | PM Modi urged caution against digital frauds and promoted the "stop, think, take action" mantra. |