Financial Performance Highlights - Net income reached $64.2 million, up 24% QoQ and 28% YoY[2] - Return on Equity (ROE) hit 18.5%, a 303 Bps increase QoQ and 222 Bps YoY[2] - Efficiency Ratio improved to 23.1%, down 380 Bps QoQ and 116 Bps YoY[2] Portfolio and Deposit Growth - Commercial portfolio reached $10.8 billion, up 1% QoQ and 18% YoY[2] - Total deposits reached $6.4 billion, up 10% QoQ and 23% YoY[2] - Deposits composition: Corporations 37%, Financial Institutions 21%, Central Banks or designees 12%, Class A shareholders 25%, Brokers 5%, Multilateral 15%[15] Asset Quality and Credit Risk - Non-Performing Loans (NPLs) stood at 0.15%, up 1 Bps QoQ and 6 Bps YoY[2] - Stage 1 exposure represents 97.9% of the total credit portfolio, amounting to $11.923 billion[8] - Total Allowance for Credit Losses to Impaired Credits is 20%[7,8] Margins and Fees - Net Interest Margin (NIM) remained steady at 2.36% QoQ, but decreased 7 Bps YoY[2] - Net fees reached $19.9 million, up 88% QoQ and 59% YoY[2] Capitalization and Dividends - Common Equity Tier 1 (CET1) ratio stood at 150%[19] - Dividend payout ratio is 36%[20] Portfolio Diversification - Loans represent 71% of the credit portfolio, Contingencies 17%, Investment Portfolio 11%[4] - Investment Grade represents 86% of the Investment Portfolio[4] Guidance - Commercial Portfolio Growth: 10% - 12%[42] - Average Deposit Growth: 15% - 17%[42] - NIM: ~2.30%[42] - Efficiency Ratio: ~27%[42] - ROE: 15% - 16%[42] - CET1: 15% - 16%[42]