High LeverageHigh leverage can increase financial risk, especially in volatile markets, potentially impacting the bank's ability to manage debt and invest in growth opportunities.
Cash Flow ChallengesA decline in free cash flow growth suggests potential liquidity issues, which could affect the bank's ability to fund operations and meet financial obligations.
Profit Margin PressureDecreasing net profit margins indicate pressure on profitability, which may affect the bank's ability to sustain earnings growth and shareholder returns.