In this context, in a research paper, the department provided a comparable annual time series data on weighted average lending rates (WALR)  2  BIS central bankers’ speeches  for bank credit for major sectors in India for the period 1992–2010 based on the comprehensive account level BSR database.
Put differently, financial stability implies that key institutions in the financial system are operating without significant difficulty and markets are generally functioning well. Bankers implicitly accept risk as a consequence of providing services to customers and also take explicit risk positions that offer profitable returns relative to their risk appetites.