The correct answer is Banks. NPAsA Non-Performing Asset (NPA) is a loan or advance for which the principal or interest payment remained overdue for a period of 90 days. Banks are required to classify NPAs further into Substandard, Doubtful, and Loss Assets. Stressed assetsStressed assets = NPAs + Restructured loans + Written off assetsThe stressed asset is a powerful indicator of the health of the banking sector. BankA bank is a financial institution licensed to receive deposits and make loans. Banks may also provide financial services such as wealth management, currency exchange, and safe deposit boxes. There are several different kinds of banks including retail banks, commercial or corporate banks, and investment banks. Banks are regulated by the national government or central bank. Additional InformationChit fundsA chit fund is a type of rotating savings and credit association system. Some variations of chit funds, the savings are for a specific purpose. Chit funds are often microfinance organizations. A chit fund comprises a group of members, called subscribers.