Weak Cash FlowDeclining operating cash flow and negative free cash flow point to weak cash conversion despite reported profitability. Over months this can constrain loan growth, limit ability to build liquidity buffers, and force reliance on external funding or asset sales to meet obligations.
Leverage Still ElevatedDespite improvement, leverage remains relatively high which raises sensitivity to interest-rate shifts or credit stress. Elevated leverage can restrict capital flexibility, raise funding costs in adverse conditions, and limit the bank's ability to expand risk-weighted assets prudently.
Modest Return On EquityA ROE of 4.17% implies limited profitability versus capital employed, constraining the bank's capacity to self-fund growth or meaningful dividend increases. Persistently low ROE can pressure investor returns and indicate structural limits in franchise economics.