As of December 2019, the delay in loan payment reached $496.6 million (1.9% of the total portfolio) 15% more than in 2018, which was $430.3 million. Although indicators are stable, in a context of deceleration, Law No. 393 of Financial Services complicates the sector because it establishes a rate control for the production industry and social housing credit; also it requires placing up to 60% of the portfolio in these two segments. Delayed payment on these two types of loans grew by 29% last year, and the sector’s authorities have asked for the law to be adjusted. By 2020 Asoban expects a portfolio growth of 5%.