The ones not receiving timely payment mainly belonged to basic metal and metal products, engineering, construction and infrastructure related industries. On the other hand, delay in payments was lower at 27 per cent for services sector. Here transport operators 2/5  BIS central bankers' speeches  mostly faced such situations.
Moreover, the onus of obtaining and keeping a record of the borrower’s consent rests with the lender, which must be able to demonstrate that it had obtained this consent in the event of any dispute.