The ratio of non-performing assets to total loans and leases is a measure of credit risk in banking industry.

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The ratio of non-performing assets to total loans and leases is a commonly used measure of credit risk in the banking industry. It reflects the level of loans and leases that are not being repaid in a timely manner and therefore pose a risk to the bank's financial health. A higher ratio indicates higher credit risk, while a lower ratio suggests lower credit risk.

The Ratio of Non-Performing Assets to Total Loans and Leases