Group 1 - The company is focused on the western part of the country and targets small business customers, facing challenges from elevated inflation, higher interest rates, and tariff uncertainties [1] - Despite initial expectations of significant negative impacts from tariffs, the situation has not deteriorated as feared, although caution remains regarding future challenges in the business environment [2] - Current business conditions are described as reasonably decent, with ongoing discussions with prospective customers indicating a level of stability [3]