Abstract
Asset quality is an important parameter for assessing the financial performance of a bank. Non-performing assets not only reduce income but also reduce the profitability of the bank. Increasing non-performing assets (NPAs) of banks is one of the biggest obstacles to the socio-economic development of our country. From 2014 to 2018, there was a huge increase in non-performing assets. But after that, NPA is seen decreasing. The Reserve Bank of India implemented strict regulation and supervision of Indian banks using the Basel norms. So that loans will be given, and they will take care that it does not increase unproductively. The researcher tries to highlight the causes of unproductive assets and their solutions in this article.
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