<?xml version="1.0" encoding="UTF-8"?><feed><author name="Furqan Qamar and Samreen Fatima Siddiqui"><item><title>Non-Performing Assets and their Recoveries</title><link>https://latest.thedailyguardian.com/opinion/non-performing-assets-and-their-recoveries/</link><pubDate>February 8, 2024, 5:00 am</pubDate><image>https://latest.thedailyguardian.com/wp-content/uploads/2024/02/74a40a4b-2704-4e25-9c48-05e2be5741b5.jpg</image><category>Opinion</category><excerpt>Non-performing assets (NPAs) are a bane to the profitability and operational efficiency of commercial banks. They corrode the quality of their assets, adversely impacting their lending capacity and long-term sustainability. Unchecked, they erode c...</excerpt></item></author></feed>