| Difficulties (or inability) in loan repayments | Liquidity issues (Cash reserves) | Collectbility of receivables |
Not significant (1) | 15.60% | 5.74% | 9.09% |
Minor impact (2) | 12.84% | 9.84% | 15.45% |
Quite significant (3) | 25.69% | 22.13% | 24.55% |
Important (4) | 16.51% | 26.23% | 22.73% |
Critical (5) | 29.36% | 36.07% | 28.18% |