Non-performing assets in banks, which are loans not being repaid, have a big impact on their profits, especially during the 2019 pandemic. Despite banks being careful, many people are not paying back their loans, causing non-performing assets to increase. A study looked at State Bank of India, Canara, Bank of India, Bank of Baroda, and Punjab National Bank during the pandemic. They used data from bank reports and research to see how non-performing assets affect the profits of these banks in India.