Such as the acquisition of three banks merged into SCB, SHB and Habubank
Specifically, SHB had positive measures for handling and recovery of bad debts "inherited" from the previous Habubank Bank, down NPL ratio of all banks under control of approximately 2% (audited report 31/12/2014); or SCB has worked hard to reduce the NPL ratio down to 0.5% - a remarkable effort in the process of restructuring the bank.
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