Business RBI releases financial stability report: Here's what experts have to say Updated : January 01, 2019 09:24 PM IST The asset quality of banks showed improvement with gross non-performing assets' (GNPAs) ratio declining to 10.8 percent in September 2018 from 11.5 percent in March 2018, the report said. The net NPAs ratio also witnessed a fall at 5.3 percent in September 2018 as against 6.2 percent in March 2018, it said. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.