Credit QualityManagement has remained very disciplined in its credit standards, with LOAN never having to foreclose on a property or experiencing a loan default.
EarningsThe net interest margin (NIM) was up to 8.5% in 1Q25 from 8.4% in 4Q24, suggesting stability and potential growth in profitability.
Pricing PowerPricing power has improved significantly, reducing competition markedly and improving pricing to 2018 levels, which is a positive factor.