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Camila Azevedo

Research Analyst at UBS

Camila Azevedo is an Equity Research Analyst at UBS BB based in Sao Paulo, Brazil, specializing in financial analysis and investment research within the equity markets. Her work focuses on in-depth analysis of Brazilian and Latin American equities, with coverage spanning major companies in the financial, industrial, and consumer sectors, though specific company names and quantitative performance metrics such as success rates or returns are not publicly disclosed in available sources. Camila has built her career in financial research, joining UBS after prior experience in related roles, but detailed career timeline and previous firms are not fully documented in public profiles. She holds relevant securities industry credentials typical for equity research analysts in Brazil, including registration with local regulatory authorities, though specific FINRA or international licenses are not listed.

Camila Azevedo's questions to GRUPO FINANCIERO GALICIA (GGAL) leadership

Question · Q3 2025

Camila Azevedo requested a clearer view on Grupo Financiero Galicia's asset quality dynamics during the quarter, specifically asking for expected NPL levels by the end of 2026 and the comfortable range for coverage ratios going forward.

Answer

Gonzalo Fernández Covaro (CFO, Grupo Financiero Galicia) clarified that NPL improvement is expected by the end of 2026, not this year, with NPLs projected to be in the 4-4.5% range. He stated that the current coverage ratio is 101.5% and is expected to reach 110% by the end of next year. He explained that coverage dynamics involve booking upfront reserves when the loan book grows, which are then utilized, and that the bank is comfortable with its current coverage level.

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Question · Q3 2025

Camila Azevedo sought a clearer view on Grupo Financiero Galicia's asset quality dynamics during the quarter, expected NPL levels by the end of next year, and comfortable coverage ratios going forward.

Answer

Gonzalo Fernández Covaro (CFO, Grupo Financiero Galicia) clarified that NPLs are expected to peak in March next year, with an estimated range of 4-4.5% by the end of 2026. He explained that the current coverage ratio of 101.5% is comfortable, and it's expected to reach around 110% by the end of next year as the portfolio stabilizes and upfront reserves are utilized.

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