Abstract
Non-performing assets (NPAs) are a serious concern for banks, and they serve as a key measure of profit. Elevated levels of NPAs suggest a higher chance of credit bankruptcy, which harms banks' profitability and net worth while also reducing the value of their assets. This review provides a thorough investigation of NPAs in emerging countries, with a particular emphasis on a comparative analysis of regulatory methods in India and China. It seeks to clarify the significance of NPAs in emerging market economies by examining their role as indices of financial health, drivers of systemic concerns, and impediments to effective monetary policy. The study elucidates the performance of NPAs in banks in India and China. Additionally, the study identifies the economic, political, institutional, and social factors governing NPAs in these countries. Lastly, the study supports controlling NPAs rather than simply eliminating them, especially considering the higher inflation rates and bank margins found in these countries.
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