HCMC – Concerns are mounting as debts transition into doubtful debts and potentially bad debts at commercial banks. The total bad debt for these banks increased by a modest 0.25 point over the previous quarter, amounting to VND424.6 trillion. Bac A Commercial Joint Stock Bank was the only lender that managed to keep its bad debt ratio below 1%. However, its doubtful debt surged twofold, and potentially irrecoverable debt increased by over 25%. The most precarious category, potentially irrecoverable debt, comprises debts overdue for more than 361 days, signaling a heightened risk of capital loss.