Tito Labarta

how do you think about the growth outlook maybe going into 2027 and the ability to this level of risk-adjusted NIMs?

was there an impact from Desenrola on that risk-adjusted margin given the different moving parts?

how is the high income segment going? I think that's still a big opportunity for you as well

there was a big jump in expenses, and I know there was the one-off from the return to office

I was wondering if that had any impact. I was a bit surprised by how much the interest expenses jumped.

loan growth seems to be accelerating. You're doing well there, but deposit growth remains very strong

just help us think about how big can a secured lending portfolio get for you and how aggressive can you be there

how do you think about the growth -- the continued growth of that both from FGTS and payroll loans