- Debts violating the provisions in clauses 1, 2, 3, 4, Article 127 of the Law on Credit Institutions;
- Debts violating the provisions in Clauses 1, 2, 5, Article 128 of the Law on Credit Institutions;
(v) Debt within the collection period according to inspection conclusion;
(vi) Debts are classified into group 3 according to the provisions in Clause 2 and Clause 3 of this Article.
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d) Group 4 (Doubtful debt) includes:
(i) Debt overdue from 181 days to 360 days;
(ii) Debts with first-time restructured repayment terms that are overdue less than 90 days according to the first restructured repayment term;
(iii) Debts with restructured repayment terms for the second time;
(iv) The debt specified in Point c (iv) Clause 1 of this Article has not been recovered within 30 to 60 days from the date of the recovery decision;
(v) Debts that must be recovered according to inspection conclusions but have not been recovered after 60 days from the collection deadline according to inspection conclusions;
(vi) Debts are classified into group 4 according to the provisions in Clause 2 and Clause 3 of this Article.
(vii) Debt must be classified into group 4 according to regulations in Clause 11, Article 9 of this Circular.
d) Group 5 (Debts with potential loss of capital) includes:
(i) Debt overdue for more than 360 days;
(ii) Debts with first-time restructured repayment terms that are overdue for 90 days or more according to the first restructured repayment term;
(iii) Debts with a second restructuring of repayment terms that are overdue according to the second restructuring of repayment terms;
(iv) Debts with restructured repayment terms for the third time or more, whether not overdue or overdue;
(v) The debt specified in Point c (iv) Clause 1 of this Article has not been recovered for more than 60 days from the date of the recovery decision;
(vi) Debts that must be recovered according to inspection conclusions but have not been recovered after the collection period according to inspection conclusions is more than 60 days;
(vii) Debts of customers being credit institutions announced by the State Bank to be placed under special control, foreign bank branches with capital and assets frozen;
(viii) Debts are classified into group 5 as prescribed in Clause 3 of this Article.
(ix) Debt must be classified into group 5 according to regulations in Clause 11, Article 9 of this Circular.
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