After Turn 2

The bank layered on low-risk, variable-rate loans funded by short-term time deposits. The result is a more balanced approach — your income is improving, and risk is a bit more diversified.

Net income is still negative but has improved. ROE has moved up to -1.50%. Your net interest margin dips to 4.11%, with funding costs rising to 1.67%. Still, you now have more earning assets in play.

Credit quality improves to 738, a result of adding better-performing loans. Liquidity is tighter at 24.6%, but still healthy. Importantly, rate risk has come down to -6.3%, thanks to the variable-rate nature of the new loans.

The bank has taken a cautious step forward — strengthening credit quality and managing rate sensitivity — but profitability remains elusive. Will the next move unlock the earnings potential?