fiscal year. The delinquent account receivables for 3 months and up was 4.5% in the fourth quarter decreasing from 5.2% in the end of last year. For default receivables in credit risk (NPL Stage 3) was 4.9

. The delinquent account receivables for 3 months and up was 4.4% in the third quarter decreasing from 5.2% in the end of last year. For default receivables in credit risk (NPL Stage 3) was 4.8