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Similar to the rate of bad debt from loans, the number is around 5% due to the fluctuations of the business cycle should the client not pay the debt, but when the circular 02/2013/TT-NHNN go into active, causing many difficulties for businesses when the banking and branch BANK is putting pressure on other debt East Branch, made It compulsory to categorize into debt have problems-do this rate increased approximately 8% in 2015.
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