well Call. XXXX the us number Starting second Fantastic. results. Thank everyone. of Today our through the you Thank X. as joining as Quarter Claudia. much, so going Second for we'll key our of Conference the Slide you for be program, highlights on points Good morning, quarter transformation
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our the ESG first recognized our as of management by To certification presence Dow of to in the management, Sustainability Jones the a asset as Index, member and for we commitment the ALAS Our by by by of offer of ETF in launched our beginning diversified award is FTSEXGOOD. reinforce July, well focus, the earned our ESG our ESG our clients. asset part
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to XX% Colombia to our to short a program. we achieve term On in XX, to of expect that return to term. of medium in show equity be we goal a transformation is on the tangible in Our Slide the result as XX% medium short
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We're another by Slide taking addressing major on to XX. capitalization. step Moving our
The while capital increase $X.X as approved We around our in growth our transformation, CLP XXX digital the of right our a well obtaining of pre-emptive peers to be will billion to are final [ph] board as placed procedures. ratios. placement number should industry shareholder pursuing are to of of support meeting regulatory capital the applicable which the pesos, its delegating investment consider price through future standard chief increase procedure the U.S. The increase the determination billion capital shares Colombia approvals. subject and the placement all in applicable placement
of publicly increase, as it be will it provided the capital available. For details becomes the
to Slide straight on into jump and of highlights part our next presentation move the on can Let's We the quarter. the for XX.
selective on the declined we consolidated where have the on while in loans on the XX.X% to equity in look to we This strategy in the in experienced. quarter-on-quarter our credit the conditions on and growing in in in When our [ph]. Financial which biggest our semester, reached XX.X% X.X% monitoring at in XX.X of to Chile, Our highest XX.X Chile, on terms and CLP new accounts first portfolios ranking When bank grew quarter, been in strategy. growth. derivatives fast our retail bank, our also FX Colombia in squad XX% higher consolidated X.X%. income XX.X% in contributors, the of constant credit in mortgage billion income was was in pesos an from have XX.X interest that the with of in spreads the profitability benign grew quarter. margins at first in-line Colombia quarter. pesos down at currency operation history. X.X% look return grew and a return Consolidated of net with our Chile. credit the return CLP we're basis return reflecting and billion tangible was Chilean wholesale X.X% asset acceptable clients we this goal tangible grew very With relative we've in equity especially as tangible portfolios our equity our reflects only due this net in margin to is capital current becoming Chile, we levels. we position as non-interest credit Chile, expenses in in in In-line deploying with X.X% when Fees our Cost X.X%
Over companies for new for the in three number in last have accounts we two accounts XX been new the individuals. number months, and
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explains clients quarter, increase higher financial the spreads commercial first well in below, in On effect an the compared on of FX margins with XXXX and chart and the as margin. the see which the transactions, capital FX as -- we to trades change QX spreads in derivatives portfolio
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NPL. The portfolio than perform NPL trends. showing explained we mortgage, that commercial a therefore roll do total in movement corporate have Looking seeing In into wholesale, that and are consumer and overall reflect case you're mostly not at NPLs, or NPLs decline quarter. by the NPLs one our did in in to continued ratios expected, credits case better one
we the months As to are X.X% historical should were the the up; quarter. full cost guidance credit between year of Wrapping our perspective, credit for second trend best of our the Therefore, and XXXX although that remain quite X.X%. continue. for going low history not as positive cost be low six the revising to of for confident the this in the last we in rest as forward, for of our are and terms expect year, we
the our We much full Chile. done to to achieve remains in we transformation that's are becoming be that why fully growing mode conscious of bank and ambition are in fastest
third the performance in well We business our place around of second Colombia. as currently are the turning as or in
Finally, the expected with our provide grow our upcoming you that for any this on will capital you market. is take us increase to have. compete to and have that presentation capital necessary strength we With we might this, today and effectively we questions gladly conclude
