The public sector banks, that manage two-third of the banking sector in terms of deposits and advances, would see their NPAs increase to 13.2 per cent by September 2020, from 12.7 per cent in September 2019. The RBI report states the capital adequacy ratio of 53 banks is projected to decline to 14.1 per cent by September 2020 from 14.9 per cent in September 2019. The credit development of personal sector banks has moderated to 16.5 per cent from 21 per cent.

The public sector banks, that control two-third of the banking sector in terms of deposits and advances, would see their NPAs increase to 13.2 per cent by September 2020, from 12.7 per cent in September 2019. The personal banks, however, might see their NPAs increase to 4.2 per cent from 3.9 per cent in the exact same period. The RBI report says the capital adequacy ratio of 53 banks is projected to decline to 14.1 per cent by September 2020 from 14.9 per cent in September 2019. The credit growth of personal sector banks has moderated to 16.5 per cent from 21 per cent.