It is illegal and the bank cannot do this without your knowledge.

Non-performing bank loans refer to loans made by banks to individuals or enterprises, and the enterprises are very overdue for repayment or even have no ability to repay, resulting in the bank being unable to recover the funds for a long time.

Commercial banks can use loan loss reserves and their own accumulated surplus to write off bad debts, or they can use debt auctions and other methods to dispose of non-performing loans. The key to solving non-performing loans is to strictly control the growth of non-performing loans while improving banks' profitability and gradually digesting and reducing non-performing loans.