The loan loss of this book , the negative media attention and legal minefield, simply not worth it.
Just need one of those borrower goes on TV or newspaper crying about "being taken advantage of" and lawyer shark will start circiling.
You are in a mire for another few more years.
Just reallocate those capital 90mil SACC capital to car loan and other products. They will get rerated just because of staying out of trouble.
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