The Reserve Bank of India published its Trend and Progress of Banking in India report. It says bad loans of banks (gross NPAs) fell to a 13-year low of 2.7% in March 2024 and then to 2.5% by September 2024. Return on assets was 1.4% and return on equity 14.6% in 2023-24. The RBI warned about the rising share of unsecured loans, about 25.3% of bank credit, and about dark patterns in digital lending and high staff attrition.