RBI says banks' bad loans likely to stay below 2% through 2028 The Reserve Bank of India (RBI), in its latest Financial Stability Report, projects that the banking sector's gross non-performing asset (GNPA) ratio will remain below 2% through March 2028 under its baseline scenario. The report highlights strong bank profitability, healthy capital buffers, and resilience despite global economic uncertainties, although it flags rising cyber risks as an area of concern.!