Neha Agarwala

“Could we talk about a bit of impact from the lower policy rates expected in Brazil for your different business segments? What kind of impact can we expect from lower rates?”

“On the credit product, I understand that you say that you have more credit product options now than you had previously, which will allow you to grow more. but doing more of secured working capital that should be a lower less profitable product than unsecured working capital in terms of how you price do you see that…”

“Sorry to go back on the provisions question, but the cost of risk increased quite substantially this quarter. It's now around 37% as for my calculation.”

“So, I mean, if I put it differently, you said it probably does upside risk to the volume growth with more of these big wins coming through. But your ratio, which is the take rate ratio, might get diluted because of that, but because you are very focused on volume growth as the right strategy for the long term.”