Overall | 10 months period (short term) | 20 months (intermediate term) | 40 months (long term) |
Stage 1 | 15% | 15% | 15% |
Stage 2 | 15% | 0% | 23% |
Stage 3 | −3% | 9% | 19% |
Stage 4 | 2% | 7% | 10% |