Core Business Resilience
The core business demonstrated structural strength with expanding margins and disciplined expense management. ROE for the first 9 months reached 22.3%, in line with full-year guidance.
Capital Adequacy and Dividend Plans
Capital generation remains strong, with a capital adequacy ratio of 22.3%. Plans for an extraordinary dividend during the fourth quarter, distributing around 35% of the net income of 2024.
Consumer Lending Growth
Consumer lending drove overall loan growth with a 12% year-over-year expansion, notably with a 31% increase in auto loans and a 16% rise in the credit card portfolio.
Digital and Process Efficiency
Strong growth in consumer lending attributed to digital capabilities, process efficiencies, and hyper-personalized business models.