S: as I said above, at present, the rate of bad debt of about 0.95% Vietinbank, this is a relatively low level in the whole banking system. Vietinbank Sword is also one of the branches have good credit quality throughout the system. In the past year, the rate of bad debt branch has always maintained at a stable level is about 1%. Private individual period 2011-2012, the rate of bad debt had risen higher branches up to about 2%. However by using positive measures to resolve bad debts of affiliates, as well as persistence with host developing sustainable credit, bad debt bad debt rate of the branch had fallen back to the level of 1% in 2015 and 2016.
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