High Financial LeverageA debt-to-equity ratio of 5.04 and low equity ratio indicate material leverage. High leverage amplifies earnings volatility, reduces shock-absorption capacity for credit losses, constrains strategic flexibility for lending or investment, and raises refinancing and liquidity risks over the medium term.
Negative Revenue GrowthReported revenue growth of -2.05% signals top-line pressure despite margin improvements. Persistent revenue contraction undermines scalability of earnings, limits organic capital accumulation, and increases dependence on margin expansion or one-off items to sustain profitability over the coming quarters.
Concentration In Interest Income & Local LoansHeavy reliance on interest income from loans to SMEs, mortgages and local entities concentrates exposure to the regional economy and credit cycle. Limited geographic and product diversification raises vulnerability to localized downturns, credit stress or prolonged NIM pressure over the medium term.