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Q » How do banks manage NPAs?

Steven

06 Dec, 2025

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A » Banks manage Non-Performing Assets (NPAs) by identifying and classifying them early, restructuring loans to make repayment terms more manageable, and using legal avenues to recover dues. They also sell bad loans to asset reconstruction companies or use asset-backed securities to mitigate risks. Additionally, banks may enhance their credit appraisal processes to prevent future NPAs, ensuring financial stability and compliance with regulatory standards.

Michael

06 Dec, 2025

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A »Banks manage NPAs by identifying and classifying them, provisioning for potential losses, and taking recovery measures such as restructuring, settlement, or sale to asset reconstruction companies. They also implement risk management practices, like credit scoring and monitoring, to prevent NPAs. Regular audits and provisioning norms help mitigate the impact of NPAs.

David

06 Dec, 2025

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