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%