During the pandemic, credit card loans decreased 7% as clients reduced large purchases such as travel and hotels, which fuels credit card loans. At the same time, many clients paid off credit card debt with the liquidity obtained from government transfers and pension fund withdrawals. In fourth quarter 22, as household liquidity levels returned to normal and holiday travel resumed, credit card loans began to grow again, and this trend should continue to be visible in 2023.

Feb 3, 2023 / receipt, needs a key / Emiliano Muratore, CFO | earnings call 2023-02-03 | transcript 48d7bb62-f4cb-4fb7-ad32-4bc54ecd8fc3 | chars 12747-13224 | segment 13

But in the SMEs, we see pressures in three specific industries. Construction and real estate has been something that is happening worldwide. Very, very short-term funding, stress by highways, and the increased cost of materials and construction costs that is impacting that segment. Agricultural, particularly in Chile, because of the flooding of the El Niño range in the third quarter that has impacted crops. And the hotels and restaurants that have been suffering since 2019 and COVID, and there are specific names there in the semi-portfolio that are stressed.

Feb 2, 2023 / receipt, needs a key / Mica, other | earnings call 2023-02-02 | transcript 7e4ef6ed-9983-461b-a07a-4c7ea50b98fa | chars 48256-48820 | segment 49

Customer Experience Advisor | S1 | Retail Banking | Aylesbury | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Aylesbury/Customer-Experience-Advisor---S1---Retail-Banking---Aylesbury_

company_statement / Sep 16, 2026 / receipt

Accounting & Control Sr. Analyst | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Boadilla-del-Monte/Accounting---Control-Analyst_Req1556958", "remote": false, "category": "finance_op

company_statement / Sep 16, 2026 / receipt

Front Office XVA Quant - SCIB | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Boadilla-del-Monte/Front-Office-XVA-Quant---SCIB_Req1611586-1", "remote": false, "category": "other", "f

company_statement / Sep 16, 2026 / receipt

Head of Sales - Getnet Platforms | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Boadilla-del-Monte/Head-of-Sales---Getnet-Platforms_Req1587381-1", "remote": false, "category": "sale

company_statement / Sep 16, 2026 / receipt

Customer Experience Advisor | S1 | Retail Banking | Bolton | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Bolton/Customer-Experience-Advisor---S1---Retail-Banking---Bolton_Req161291

company_statement / Sep 16, 2026 / receipt

Customer Experience Advisor | S1 | Retail Banking | Bolton | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Bolton/Customer-Experience-Advisor---S1---Retail-Banking---Bolton_Req161291

company_statement / Sep 16, 2026 / receipt

Customer Service Advisor | S1 | Everyday Banking | Bradford | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Bradford/Customer-Service-Advisor---S1---Everyday-Banking---Bradford_Req15

company_statement / Sep 16, 2026 / receipt

Espec Clientes B1 | {"ats": "workday", "city": null, "state": null, "job_id": "/job/BRUMADO/Espec-Clientes-B1_Req1611401", "remote": false, "category": "other", "function": "other", "location": "BRUMA

company_statement / Sep 16, 2026 / receipt

Espec Clientes B1 I | {"ats": "workday", "city": null, "state": null, "job_id": "/job/CAMPINAS/Espec-Clientes-B1-I_Req1611766", "remote": false, "category": "other", "function": "other", "location": "

company_statement / Sep 16, 2026 / receipt

Customer Experience Advisor | S1 | Retail Banking | Carlisle | {"ats": "workday", "city": null, "state": null, "job_id": "/job/Carlisle/Customer-Experience-Advisor---S1---Retail-Banking---Carlisle_Req

company_statement / Sep 16, 2026 / receipt

Espec Clientes Select High | {"ats": "workday", "city": null, "state": null, "job_id": "/job/CAXIAS-DO-SUL/Espec-Clientes-Select-High_Req1612990", "remote": false, "category": "other", "function": "ot

company_statement / Sep 16, 2026 / receipt

Espec Clientes B1 I | {"ats": "workday", "city": null, "state": null, "job_id": "/job/GOIANESIA/Espec-Clientes-B1-I_Req1612812", "remote": false, "category": "other", "function": "other", "location":

company_statement / Sep 16, 2026 / receipt