Looking ahead, a more sustainable and balanced global economy in which the pattern of current account deficits and surpluses is more clearly determined by the efficient allocation of capital across borders is necessary to reduce the risks of future crises. Achieving better balance will require lasting shifts in spending, production, saving, and borrowing around the world.
However, if the macroeconomic conditions deteriorate, the GNPA ratio may increase to 6.3% under severe stress scenario by March 2016. Drivers for deterioration in asset quality 5. Theoretically speaking, there could be various factors which may cause a good loan to turn into a problem loan.