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    Carlos Gomez

    Research Analyst at HSBC

    Carlos Gomez-Lopez is the Head of LatAm Financials Research at HSBC, specializing in financial sector analysis with a focus on leading Latin American banking and financial companies. He covers institutions such as Grupo Gentera and Marex Group plc, and has been recognized for strong analytic performance, including well-timed rating changes and detailed fundamental research. Gomez-Lopez began his career in equity research before joining HSBC, where he has led the regional team and built a record for insightful earnings estimates and credit analysis. He holds professional research and securities credentials relevant to his role, and is noted in multiple broker surveys for his expertise in financials.

    Carlos Gomez's questions to Macro Bank (BMA) leadership

    Carlos Gomez's questions to Macro Bank (BMA) leadership • Q2 2023

    Question

    The analyst asked about the timeline and terms of the Itau acquisition and sought confirmation on the bank's confidence in its full-year ROE guidance, considering political and economic uncertainties.

    Answer

    The CFO expects the Itau deal to receive regulatory approval before the end of 2023, but acknowledges potential delays due to elections. He reaffirmed the ~20% real ROE guidance for 2023, noting that Q3 performance is strong but Q4's outlook is uncertain due to the election, which is why the forecast is cautious.

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    Carlos Gomez's questions to Banco BBVA Argentina (BBAR) leadership

    Carlos Gomez's questions to Banco BBVA Argentina (BBAR) leadership • Q2 2023

    Question

    Asked about the bank's strategic positioning for the end of the year regarding liquidity, risk appetite, and hedging against inflation and currency movements. Also questioned the sustainability of the strong Q2 results and the factors driving them.

    Answer

    The outlook is highly uncertain due to macroeconomic and political volatility, with year-end inflation projected between 175-200%. The bank is focused on protecting its balance sheet from inflation, maintaining good liquidity, and improving efficiency. The strong Q2 results were primarily driven by the increase in the monetary policy rate and the bank's significant exposure to public sector assets like CER and LELIQ.

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    Carlos Gomez's questions to GRUPO FINANCIERO GALICIA (GGAL) leadership

    Carlos Gomez's questions to GRUPO FINANCIERO GALICIA (GGAL) leadership • Q3 2019

    Question

    Carlos Gomez from HSBC followed up on the MXN2 billion loss from debt reprofiling, asking if the bank would consider legal recourse. He also inquired about the expected income tax rate for 2020.

    Answer

    Pablo Firvida, Institutional Relations Manager, responded that taking legal action regarding the reprofiling was not discussed, as it was viewed as a very short-term payment postponement. He confirmed that the income tax rate for the following year (2020) is expected to be 25% on inflation-adjusted earnings.

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