Investor Presentaiton
2024 Guidance
2024
Guidance Drivers
TL Loan Growth
Real Loan growth
Real TL loan growth following a year of slowdown
Volumes
FC Loan Growth
Low-Single Digit increase
Pick up in FC loan demand
NIM
> 4.5%
Leverage increase, improvement in core revenue, lower CPI linker contribution
Revenues
Core Revenue Margin
> 8%
Core Revenue Margin supported by dynamic ALM management & robust fee performance
Costs
Fee Growth
> 80%
All across the board strength backed by well built customer base
Cost growth
< 80%
No sacrifice from HR & growth related costs, support from running costs
Asset Quality
Total CoR
~100bps
Notes:
All figures are based on BRSA consolidated financials, except for NIM
Normalisation in unsecured retail lending with strength in coverege
Inf. Acc. 2024 ROTE: Improvement
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