Overview Conclusion: Results beat expectations, core business robust, risk-adjusted revenue growth driving ROE to 21.1%.

Key Data: ROE 21.1%, loan growth 8.2%, net interest income growth 10.9%.

Business Progress: Yape users reached 16.4 million, 5.7 million loans disbursed, revenue growth 3.6x; innovation portfolio revenue share 9%, accelerating toward 10% target.

Guidance and Outlook: Maintained full-year ROE guidance of approximately 19.5%, but hinted that it may be "at the upper end," loan growth expected at 8.5%.

Risks/Highlights: Management tone cautiously optimistic, positive signal from strong performance; negative risks from presidential election and El Niño uncertainty.