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Q » What are non-performing assets (NPAs)?

Steven

06 Dec, 2025

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A » Non-performing assets (NPAs) are loans or advances that are in default or arrears. In banking terms, an asset is considered non-performing when it ceases to generate income for the lender. Typically, if the borrower fails to make interest or principal payments for 90 days, the loan is classified as an NPA. Managing NPAs is crucial for financial institutions as high levels can impact profitability and capital adequacy.

Michael

06 Dec, 2025

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A »Non-performing assets (NPAs) are loans or advances where the borrower has defaulted on payments, typically for 90 days or more. NPAs can be classified into subcategories like substandard, doubtful, and loss assets, based on the duration of default and likelihood of recovery, impacting a lender's financial health.

David

06 Dec, 2025

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