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1. Non-performing assets (NPAs) are loans or advances that have not generated the expected amount of income or repayment from the borrower.
2. Two examples of non-performing assets could include:
a. A loan that was extended to a business, but the business failed to make regular interest payments or repay the principal amount on time.
b. A credit card account where the cardholder has defaulted on making minimum payments for several months, leading to the account being classified as a non-performing asset by the bank.