One of the characteristics of the credit facilities under supervision a. Existence of dues for a period of more than 60 days and less than 90 days for the origin of the credit facilities or interest O b. The current debit balance exceeds the prescribed ceiling by 10% or more O C. The current debit balance exceeded the ceiling for a period of more than 60 days and less than 90 days d. Existence of dues for a period of less than 90 days One of the characteristics of low-risk credit facilities O a. Facilities secured by satisfactory insurances at 100% of the outstanding balance O b. strong financial centers O C. Guaranteed 100% personal guarantees O d. They are facilities secured by cash security at 100% of the entire loan value