Cash Flow VolatilityHistoric swings in operating cash flow reduce predictability of internal funding and liquidity. Although recent OCF recovery is positive, inconsistent cash generation complicates steady capital allocation, dividend policy and funding for strategic initiatives over time.
Earnings VolatilityA notable negative EPS growth rate despite revenue increases signals earnings volatility from margin swings, provisioning or one-offs. Persistent EPS variability undermines forecasting accuracy, may constrain payout consistency and elevates execution risk.
Regional Concentration RiskHeavy reliance on a regional customer base (households, SMEs, local governments) limits diversification and ties performance to local economic and demographic trends. This concentration raises medium-term exposure to regional downturns and slower credit demand.