Overall, the situation of debt collection in SHB all tend to increase. This demonstrates the Bank's stable operation and effectiveness in the work of collecting the debt to ensure capital for quick turnaround, improving the efficiency of operations in the next year, so the SHB should promote further in the work of evaluation of customer's loan records. Sales currency short-term debt representing high in the year because short-term loan consumer also has the highest proportion. In particular gained 29.07% in 2013, 2014 is 32.56% and 34.36% in 2015. As low as sales of currency buying debt in 2013, 2014.2015 in turn occupied the 5.33 percent, 4.53 percent, 4.13 percent. From there we noticed was that in consumer loans, the short-term debt collection and debt purchasing land is obtained which is faster than the other consumer credit activities.
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