- 13 Bottom Line: Financial Stability Risks Are Moderate I have reviewed a few of the key facts that inform our thinking about financial stability, and you will find a great deal more detail in our new report. You will also find that the report does not come to a bottom line conclusion.
The ratio of gross NPA to gross advances fell from nearly 27 per cent in June 2005 to nearly 17 per cent in March 2006 – that is, by 10 percentage points. The ratio of net NPA to net advances has fallen from 16 per cent to 9 per cent and is expected to go down to around 3 per cent by March 2007.