Chito Labarta

“Just to think about how are you thinking about the positive growth going forward, both in pesos and in foreign currency, and particularly in terms of liquidity, if loan growth does improve into next year, you know, the lead to fund that.”

“Are you able to work with some of these consumers? Just to think about your ability to accelerate consumer loan growth, maybe going into next year, just given where the economy is and where the health of the consumer is.”

“My question is, I guess, on the funding. Deposits are not growing, particularly in pesos. The loan-to-deposit ratio is above 100%. How do you see the outlook for funding, particularly if loans kind of pick up from here and your ability to fund that growth?”

“I guess, how quickly can it come down, and what does give you that comfort that you maintain the loan growth guidance, but that credit quality should improve sufficiently to be able to grow at a faster pace in the second half of the year?”

“I guess just on the Naranja, you mentioned Gonzalo, right, that needs to recover as well. Do you think NPLs peak there also in one queue, or how do you see the evolution of asset quality in Naranja and then also your ability to resume growth at Naranja?”