Carlos. Juan you, Thank
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income. represent the XX% the the is American of main net Over assets, positive. XX% operations Central of but the last trend in of years, operations metrics stand-alone
a want you of to quick I give where Central countries each we American the overview operate. of Now
Banco with de start me in Let Agromercantil Guatemala.
the to share the also good the quarter. driven the the the in showed in during segment consumer mix. mortgages solid which commercial Banco the is portfolio in was country the a the the accumulated commercial in recovery, clients which Commercial the responding portfolio reflected income. within quarter, had an bank’s Salvador both El that in of recovery. is This also portfolio, consolidated boosting the retail of improvements recovery charges of total and continued a growth the recovery provisions. in by is grows, thanks and and the Agricola dynamics Provision economic experiencing portfolio At to portfolio the specific margins retail reflects rating growth and that strategy basis, segment, performance in to fee increase
of first of reduction to be pace but continues relevant be Net making X% assets, in renewed second September, are expecting. to X.XX%. Finally, evidenced growth, Banistmo the and a driven long Slide not the and The we dynamics margins, stable This the income loans of mainly maintained funding performing area reactivation year. driven saving the by of Banistmo. clients. going expect hike peers positive quarter reflecting started accounts The checking also but a quarter, for cycle interest the With the third growth disbursement of the bank next the will in retail loans gradually continued the couple positive in share, by demand in in the the see funding evolution possible, and a net during regarding corporate we rate is improving local margins On deposits reference cost. we change in and its remained overcoming in in deposit and rate as XX, interest where digital was the figures. consolidated from has with only close Net XXXX leveraged gaining in over growth. with XXXX interest cost. income. of and This steady margin mix, increase, funding were strategy quarters
improves. excluding X% liquidity dynamic of efficient And accumulative the grew expenses in administrative of XX, expenses whereas evolution year-to-date, the way Slide increased Personnel as the compensation, using a continue efficiency. and marring variable shows expenses, more this We figures X%. in
expenses operating when up XXXX. as the As period was a September same of compared X% result, of with
Payments Slide added to of increasing the The transformation. of digital for be Slide XXXX lines fees other commercial most investment to with growing credit And and related one XX the resilient collections is the evolution P&L, expansion as for services continue in metrics. XX% to the the over driver although in of shows fees. from of establishments year-to-date. is And the pace Net the use strong contribution, performance, thanks banking of volume of the digital line well profitability as debit, and to and XX, transactions cards the fees largest have channels. shows expenses
During driver Even growth, digital stood at Net earnings of of the to pace return fast such good the the main provision three other the quarter year, a in a want the P&L though on the business I the income. growth have NII middle this year-on-year XX.X%. delivered of material we billion, in first fee was for income were of margins, lines and of charges challenging the of level transformation. of equity stable this situation, recovery performance of steady result, the COPXXX and quarter highlight maintaining of
Finally, is of the in an the provision calculation by deferred implies of Colombia, billion. as additional worth the it tax COPXXX reform which tax impact mentioning generating of
want remarks. I for to Juan. turn the to Juan Carlos closing the Now presentation
