Group 2 (Special Mention) include:
• Accounts overdue 10 to 90 days;
• The adjusted debt repayment period for the first time,
group 3 (Substandard) include:
• Accounts overdue from 91 to 180 days;
• The restructured debt repayment period for the first time;
• The loan is interest-free or reduced because customers can not afford to pay the full rate under the credit agreement;
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