are “problem credits” as referred to in paragraph 8.23(2)(a)(ii)(dd) of the
credits” means such problems arising from, amongst others, the borrower’s
non-compliance with the terms of the financial assistance including failure to
meet repayment of principal/interest or collateral obligations. It is to be
noted that the assessment as to what “problem credits” are by the listed
issuer/board of directors should not be limited to actual occurrence of default
only but may include possible defaults such as signs of the borrower having
difficulties in complying with the terms of the financial assistance (e.g.
making or requesting for partial or late payments).