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Risk is a fundamental aspect of banking and cannot be entirely eliminated due to the very nature of financial intermediation. Banks operate in dynamic environments that expose them to a wide range of risks that must be effectively managed to maintain stability, profitability, and trust in the financial system. Effective risk management helps in ensuring the long-term sustainability of banking operations. One of the primary risks faced by banks is credit risk, which arises when borrowers fail to repay loans or meet contractual obligations. This is the most significant risk for most banks, as lending is a core banking activity. Credit risk is influenced by the borrower's financial health, macroeconomic factors, and the quality of the bank’s credit appraisal and monitoring systems. Non-performing assets (NPAs) are a __________ ___ ____ _______ ___ _________.
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