2
3
Non-Intervention zone Since April 29, 2019 the Central Bank has changed its Fx intervention strategy 4
10.0% 2.1% (3.8)% 14.1% 15.6% 28.4% (2.3)% 36.2% 5
6
▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ ▪ 7
8
- 9 -
10
11
12
163,849 163,849 146,123 146,123 141,115 141,115 120,789 120,789 96,570 96,570 13
83,378 81,827 80,172 75,830 66,480 14
15
109,677 94,906 97,185 75,673 55,540 16
17
• • • • 18
• • 19
Credit Card Loans NPL Credit Card Loans Delinquency +90 Personal Loans NPL Personal Loans Delinquency +90 Retail Segment NPL Retail Segment Delinquency • • 20
21
*Efficiency: Personnel, Administrative expenses and Depreciation & Amortization divided by the sum of Net interest income + Net income from financial instruments at fair value through profit or loss + Exchange rate differences on gold and foreign currency, net services fee income, income from insurance activities and other net operating income. 22
• 935.3 874,5 615.4 744.8 • 475.3 23
24
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