Daniel Vaz

“Primeiro parabéns pelos resultados avanço na agenda de eficiência. E acho que você explicou bem, eu quero fazer uma pergunta de NIM e talvez Costa Vizc. Você explicou bem o efeito da carteira de grandes empresas que pesou um pouquinho na sua NIM, enquanto a PF desacelerou e deixou de compensar.”

“Gonzalo and Pablo, So maybe my first question will be on your macro expectations for the year. I guess last quarter you mentioned inflation between 28% and 29%.”

“I was looking at again at your 2026 priorities on the payments you said you're shifting focus from new new sales to active base right so you're looking into your active base rather than new sales and I wanted to understand how are you're looking to improve the ARPACs, right?”

“I would like to double click on the loan growth and IRA trajectory that Pablo just mentioned. I guess you are slightly revising it downwards on loans as market inflation expectations have materially repriced since the last conference call.”

“Congrats on the results and thanks for the insightful presentation. right um yeah david in the present my agenda for the next years with ai transformation mexico and us expansion and so on so forth but let me ask you about brazil um how specifically the em team is looking at brazil right so your incremental exposure…”