troubled debt
[/ˈtrʌbəld dɛt/]
nounpl: troubled debts
dívida problemática
1. A loan or debt obligation where the borrower is experiencing financial difficulty and may be unable to meet the agreed-upon payment terms, often resulting in modified terms or restructuring
The bank had to write down the value of its troubled debt portfolio after the economic recession.
O banco teve que reduzir o valor de sua carteira de dívidas problemáticas após a recessão econômica.
2. In accounting and finance, a debt that is at risk of default or requires special handling due to the debtor's financial distress
The company reported an increase in troubled debt reserves on its balance sheet.
A empresa relatou um aumento nas provisões para dívidas problemáticas em seu balanço patrimonial.
In Brazil, 'dívida problemática' is a critical term in the banking sector, especially relevant to Central Bank regulations and credit risk management. In the USA, 'troubled debt' is a formal accounting and regulatory term, particularly important under Generally Accepted Accounting Principles (GAAP) and Federal Reserve guidelines. During economic crises, this term becomes prominent in financial news and policy discussions in both countries.
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