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Carlos Gomes-Lopez

Vice President and Analyst at HSBC Holdings plc

Carlos Gomes-Lopez is a Vice President and Analyst at HSBC Holdings plc, specializing in equity research within the European financial services sector. He covers major companies such as Barclays, Lloyds Banking Group, and Santander, consistently generating insightful investment recommendations recognized for their accuracy. With over a decade of experience, he began his career at Citi in 2014 before joining HSBC in 2019, where he has been instrumental in refining coverage models for financial stocks. Gomes-Lopez holds multiple securities licenses, is FINRA registered, and has been acknowledged for his sharp sector analysis and strong performance metrics.

Carlos Gomes-Lopez's questions to Macro Bank (BMA) leadership

Question · Q4 2025

Carlos T. Gomez-Lopez sought confirmation on the realistic target of an 8% adjusted ROE for 2026, inquired about updates on the Personal Pay acquisition, and asked when Banco Macro expects a break in the declining loan growth trend to see more system activity.

Answer

Jorge Scarinci, CFO of Banco Macro, confirmed the expectation of an 8% adjusted ROE for 2026, factoring in restructuring charges and growth guidance. He noted that while the bank aims to lend as much as possible, significant loan growth requires stronger macroeconomic performance in Argentina. Juan Parma, CEO of Banco Macro, provided an update on Personal Pay, stating the acquisition of 50% of Telecom's wallet was a cash-in transaction to develop a Banking as a Service business. The bank is exploring options for building this model to connect the wallet with financial intermediation.

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Fintool

Fintool can predict Macro Bank logo BMA's earnings beat/miss a week before the call

Carlos Gomes-Lopez's questions to Marex Group (MRX) leadership

Question · Q3 2024

Carlos Gomes-Lopez of HSBC asked for clarification on the tax rate applicable to the NII sensitivity. He also questioned whether potential easing of capital rules for U.S. banks could increase their appetite to re-enter the clearing business and compete with Marex.

Answer

CEO Ian Lowitt clarified the firm's tax rate should normalize to around 25% in the medium term, after being elevated in the current year by non-deductible IPO costs. He expressed skepticism that regulatory changes would cause banks to 'stampede' back into clearing, arguing their exit was driven more by strategy and skill set alignment rather than purely capital rules.

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Fintool can predict Marex Group logo MRX's earnings beat/miss a week before the call