Report on Trend and Progress of BankingThis report is statutory compliance in accordance with the Banking Regulation Act $1949,$ and presents the performance of banking sectors $($ including cooperative banks and NBFCs$).$Gross non$-$performing assets $($GNPA$)$ for SCBs have declined $($from $9\%(2017-18)$ to $5\mathrm{.}8\%($march $2022).$Non$-$banking financial company $($NBFC$)$ sector improved in $2021-22.$ With strong capital buffers, adequate provisions, and sufficient liquidity, NBFCs are poised for expansion.At the end of March $2022,$ the capital$-$to$-$risk$-$weighted assets ratio $($CRAR$)$ of SCBs increased from $16\mathrm{.}3\%$ at the end of March $2021$ to $16\mathrm{.}8\%.$