Thank you, Carlos. Juan
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moratorium the the mid-October, on Banistmo Finally, modified law. bank regulator
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cost On more challenges which of our increased local the and the transportation, growth to operation in payment In analyzing of expenses must related several components is Among daily the the the bank's methods the remarkable insurance the cash a distribution as the structure. with currency, X% network. administrative experienced policies impacts of decrease them the side, of depreciation a same such way, when of business highlight associated during the expenses we and variety pandemic.
market during receiving were end posting most during September of a XXXX. the recovered measures, Investments low in base effect. business fees a lockdown transformation important greater fees. quickly increase the the pre-COVID and these, of economic the shows X.X% lines and since with were element added understanding of of in opportunities half structure will quarter. digital by continue the with a dynamism evolution the expenses fees slide impacted in the be The environment they XX of a our our growth we XXXX, of must but year, X.X% business faster For In the and with line the ahead. Net to year-to-year to expect higher first one levels of an activity the
and higher fees to a driven X% the growth a growth year. transactions. XXXX cards better trust and with We expect by lead Lines credit for a such the volume will performance during X% as of debit have between
Finally shows, side was number a of XX XXXX profitability. profitability metrics. the year low
period. be bank We gradually XXXX expect will to transition recover. a the
business pre-pandemic on XX% target area support Our return as such interest of a different risk guidance this to eventually suggests the loan at better Several environment higher due ratios fee to growth, digital XXXX. to and present for levels cost to the for around area, cost-to-income levels goal returning the income. X% maintaining in of between X% year below cost a would equity to the recovery a factors reach between continuous in rate payments strategy, X% XX% a
for the to presentation Carlos Carlos? Juan I turn Now, the closing to want remarks. Juan
