Santander Brasil(BSBR) - 2024 Q2 - Earnings Call Transcript

But more importantly, Eduardo, is how we are going to get there. If I'm saying, okay, I'm going to do 20%, that's cool. But certainly, I think this is what you want to hear, myself included. But we have to do that with a different portfolio construction when compared to what we did back in 2021 in some quarters. It's not bad that we reached 21 plus, but that 21 plus that costed us low teens of ROE, this is not where I want to be. So the speed will be different, but it will be very consistent in a mix that I ...