. In order to maintain overall financial results, the Company has initiated strategies focused on improvements in operational efficiency and expense control, such as adapting to the ‘new normal’ of

are mostly family businesses that have difficulty adapting to business disruption, both in terms of product and business models. Technological changes have affected the behavior of consumers as they are

commercial banks adapting their business models, adjusting their physical branches both in terms of number and type of service, while developing their digital banking channels. In addition, banks have been