?????????(????? ??????) ??????? ??????? ?? ??? ??????? NPA ? ????? ??????? ?????????? ????? ???????? ????? ???????, NPA (Non-Performing Assets)??????? ??????? ??????? ??????? ??? ????????? ?? ???????? ???? ? ??????????? ????????? ??? ????? ????? ???? ?????? ???? ????????? ? ???????? ?????? ??? ???????? ????????? ??? ???? ????? ???? ???? ???????????? ?