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FSR Rbi

The Reserve Bank of India released the Financial Stability Report for December 2024, assessing the resilience of the Indian financial system and identifying risks to stability. The report highlights strong macroeconomic fundamentals, improved soundness of scheduled commercial banks, and healthy conditions in non-banking financial companies and the insurance sector. While global risks have receded, vulnerabilities such as high public debt and geopolitical conflicts remain concerns for the medium term.

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39 views1 page

FSR Rbi

The Reserve Bank of India released the Financial Stability Report for December 2024, assessing the resilience of the Indian financial system and identifying risks to stability. The report highlights strong macroeconomic fundamentals, improved soundness of scheduled commercial banks, and healthy conditions in non-banking financial companies and the insurance sector. While global risks have receded, vulnerabilities such as high public debt and geopolitical conflicts remain concerns for the medium term.

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theyogi520
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© © All Rights Reserved
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�ेस �काशनी PRESS RELEASE

भारतीय �रज़वर् ब�क


RESERVE BANK OF INDIA

0 वेबसाइट : www.rbi.org.in/hindi संचार िवभाग, क� �ीय कायार्लय, शहीद भगत �संह मागर्, फोटर्, मुब
ं ई - 400 001
Website : www.rbi.org.in Department of Communication, Central Office, Shahid Bhagat Singh Marg, Fort,
ई-मेल/email : helpdoc@rbi.org.in Mumbai - 400 001 फोन/Phone: 022 - 2266 0502

December 30, 2024

RBI releases the Financial Stability Report, December 2024


Today, the Reserve Bank released the December 2024 issue of the Financial
Stability Report (FSR), which reflects the collective assessment of the Sub-
Committee of the Financial Stability and Development Council (FSDC) on the
resilience of the Indian financial system and risks to financial stability.
Highlights:
• The global economy and the financial system remain resilient. While near-term
risks have receded, vulnerabilities such as stretched asset valuations, high public
debt, prolonged geopolitical conflicts and risks from emerging technologies pose
medium term risks to financial stability.
• The Indian economy and the domestic financial system are underpinned by strong
macroeconomic fundamentals, healthy balance sheets of banks and non-banks.
• The soundness of scheduled commercial banks (SCBs) has been bolstered by
strong profitability, declining non-performing assets and adequate capital and
liquidity buffers. Return on assets (RoA) and return on equity (RoE) are at
decadal highs while the gross non-performing asset (GNPA) ratio has fallen to a
multi-year low.
• Macro stress tests demonstrate that most SCBs have adequate capital buffers
relative to the regulatory minimum even under adverse stress scenarios. Stress
tests also validate the resilience of mutual funds and clearing corporations.
• Non-banking financial companies (NBFCs) remain healthy with sizable capital
buffers, robust interest margins and earnings and improving asset quality.
• The consolidated solvency ratio of the insurance sector also remains above the
minimum threshold limit.

(Puneet Pancholy)
Press Release: 2024-2025/1811 Chief General Manager

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