Non-Performing Assets (NPA)

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•NPAs are bank loans where borrowers have stopped making principal or interest payments for 90 days or more, indicating significant credit risk and potential default.

•NPA are divided into three types 12 months,less than 2 months,lost assets.

•High NPA levels weaken bank financial health, reduce lending capacity, increase provisions, lower profitability, and potentially trigger regulatory interventions in the banking system.

low productivity trap:

•Overemphasis on doing tasks perfectly leads to procrastination, where individuals get stuck planning and never start or complete work, drastically reducing actual productivity.

• Attempting to juggle multiple tasks simultaneously creates an false sense of productivity while actually decreasing efficiency, increasing cognitive load, and reducing the quality of work completed.

•Failing to distinguish between urgent and important tasks results in spending excessive time on low-value activities, preventing meaningful progress on critical goals and creating a cycle of perceived busyness without substantive achievement.

Zakir Hussain:

•Zakir Hussain is a highly acclaimed Indian tabla player, composer, and percussionist.

•Born in 1951, He has carried forward his father's legacy, collaborating with various international artists and creating fusion music.

•Zakir Hussain has received numerous awards, including the Padma Shri (1988), Padma Bhushan (2002), and the Grammy Award for Best World Music Album (1994) for his collaborative album "Planet Drum".