Business mix
- It operates through Universal Banking; Insurance, Medical Services, and Pensions; Microfinance; and Investment Management and Advisory segments.
- The company grants various credits and financial instruments to individuals and legal entities; and various deposits and current accounts.
- It also issues insurance policies to cover losses in commercial property, transport, marine vessels, automobiles, life, health, and pensions; provides medical and health services, as well as management services of private pension funds to the affiliates.
- In addition, the company is involved in the management of loans, credits, and deposits and checking accounts of the small and microenterprises.
Current key questions
- Can asset growth, client flows, fee rates, credit quality, or spread income support durable earnings in banks - regional?
- How sensitive are margins and returns to interest rates, market levels, funding costs, and regulation?
- Do capital allocation, risk controls, and balance-sheet quality improve long-term per-share value?
