Financial Data and Key Metrics Changes - The Common Equity Tier 1 (CET1) ratio stood at 13.56% as of Q3 2025, with Risk-Weighted Assets (RWA) at 570 billion [2] - The Return on Equity (ROE) was reported at 11.1%, showing a slight increase from the previous period [3] - The Net Interest Margin (NIM) improved by 12 basis points to 1.56% [4] Business Line Data and Key Metrics Changes - The Non-Performing Loan (NPL) ratio was reported at 2.8%, indicating a stable credit quality environment [5] - The company achieved a Profitability Factor (PF) of 30.1%, reflecting strong operational efficiency [6] Market Data and Key Metrics Changes - The company noted a 4% growth in its market share, driven by strategic initiatives and competitive positioning [10] - The NIM is expected to remain stable, with projections indicating a range of 4% to 6% for the upcoming quarters [10] Company Strategy and Development Direction - The management emphasized a focus on enhancing digital banking services to improve customer engagement and operational efficiency [12] - The company is strategically positioning itself to capitalize on emerging market opportunities, particularly in the fintech sector [13] Management Comments on Operating Environment and Future Outlook - Management expressed optimism regarding the economic recovery and its potential positive impact on loan demand and profitability [14] - The company anticipates a stable regulatory environment, which should support its growth initiatives moving forward [19] Other Important Information - The company is actively managing its RWA to optimize capital efficiency, with a focus on maintaining a robust CET1 ratio [21] - There is an ongoing commitment to improving asset quality, with measures in place to monitor and manage NPLs effectively [20] Q&A Session Summary Question: What are the expectations for loan growth in the next quarter? - Management indicated that they expect loan growth to remain strong, driven by increased consumer and business demand [10] Question: How is the company addressing competitive pressures in the market? - The company is enhancing its digital offerings and customer service to differentiate itself from competitors [12] Question: What are the key risks the company is monitoring? - Management highlighted credit risk and regulatory changes as primary concerns, with strategies in place to mitigate these risks [19]