NPA
Non-Performing Asset
Credit & DebtA loan on which interest or principal has remained overdue for more than 90 days. Banks must classify such loans separately and provide against expected losses.
Formula
Gross NPA Ratio = Gross NPAs / Total Advances
Why it matters
NPA ratios are the headline health metric for banks. Rising NPAs eat capital through provisions and constrain new lending.
Indian example
Related terms
Learn the concept
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