The RBI's stress tests covers the first six months of the current fiscal ended March and projects a baseline scenario of gross NPAs (GNPAs) at 13.5 ..
If the macroeconomic environment worsens into a severe stress scenario, the ratio may escalate to 14.8%. Among the bank groups, public sector banks’ GNPA ratio of 9.7% in September 2020 may increase to 16.2 per cent by September 2021 under the baseline scenario while those of private sector banks and foreign banks may increase from 4.6% and 2.5% in September 2020 to 7.9% and 5.4% respectively, over the same period," RBI said.
Public sector banks will be most impacted in case of a severe stress scenario with their GNPA ratio rising to 17.6% compared to 8.8% projected for private sector banks and 6.5% for foreign banks, RBI said.
However, the central bank cautioned that an uncertain economic outlook and the extent to which regulatory dispensation under restructuring is utilised, could make the projected ratios susceptible to change.
The central bank also said that the results of the stress test should not ..taken as forecast
Public sector banks will be most impacted in case of a severe stress scenario with their GNPA ratio rising to 17.6% compared to 8.8% projected for private sector banks and 6.5% for foreign banks, RBI said.
However, the central bank cautioned that an uncertain economic outlook and the extent to which regulatory dispensation under restructuring is utilised, could make the projected ratios susceptible to change.
The central bank also said that the results of the stress test should not ..taken as forecast
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