A STUDY ON NON-PERFORMING ASSETS (NPAS) IN INDIAN BANKS WITH REFERENCE TO PUNJAB NATIONAL BANK

Non-Performing Assets remain a major challenge affecting the financial performance and operational efficiency of Punjab National Bank. Effective credit assessment, continuous monitoring, technology-driven risk management, and timely recovery strategies are essential for maintaining asset quality. Strengthening these practices will improve profitability, reduce credit risk, and support long-term financial stability while enabling the bank to contribute more effectively to economic development.

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