The performance of bank employees plays a pivotal role in ensuring operational efficiency in the banking sector. This study introduces six novel productivity ratios linked to Non-Performing Assets (NPA) to assess employee productivity. Unlike traditional research focusing solely on profit or business per employee, this paper explores a new dimension, making it the first of its kind. Through a comparative analysis of ten major Indian banks (five public and five private), the findings reveal distinctive performance patterns, with public sector banks showing greater involvement in recovery and write-offs, while private sector employees maintain lower NPAs.