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    Maria Guedes

    Research Analyst at Banco Safra

    Maria Luisa Guedes is an Equity Research Analyst at Banco Safra, specializing in financial analysis and equity research within the banking sector. She covers key financial institutions and provides detailed research on prominent banks, consistently demonstrating expertise in her analyses, though specific public performance metrics or rankings are not available. Maria began her career prior to working at Banco Safra, where she has established herself as a reliable analyst in the Brazilian finance space. Her credentials include a specialized background in equity research, with a professional focus on banking, though regulatory licenses or FINRA registrations are not publicly listed.

    Maria Guedes's questions to PagSeguro Digital (PAGS) leadership

    Maria Guedes's questions to PagSeguro Digital (PAGS) leadership • Q1 2025

    Question

    Maria Guedes requested an update on the company's appetite for expanding its credit lines, noting the recent uptick in working capital loans. Additionally, she asked if the company is targeting an optimal level for its Basel ratio.

    Answer

    Executive Ricardo da Silva confirmed the company plans to continue growing its working capital loans faster than other credit lines as part of its strategic plan. Executive Artur Schunck responded that there is no specific target for the Basel index, but the focus is on optimizing the capital structure, as evidenced by its reduction from 33% in December 2023 to 27% in Q1 2025 through initiatives like dividends and buybacks.

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    Maria Guedes's questions to PagSeguro Digital (PAGS) leadership • Q1 2025

    Question

    Maria Guedes from Safra asked for an update on the company's credit appetite, particularly for working capital loans, and inquired if there is an optimal target level for the Basel ratio.

    Answer

    Executive Ricardo da Silva confirmed a continued appetite for credit growth, with a specific focus on expanding working capital loans to their best merchants. Executive Artur Schunck stated there is no explicit target for the Basel Index but highlighted its recent reduction from 33% to 27% as a key outcome of their capital optimization strategy, which will continue via dividends and buybacks.

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    Maria Guedes's questions to PagSeguro Digital (PAGS) leadership • Q4 2024

    Question

    Maria Guedes from Safra followed up on capital structure, asking if the company intends to cancel its treasury shares and if a new buyback program could be launched after the current one is completed.

    Answer

    CFO Artur Schunck responded that canceling treasury shares is under internal discussion but offers no direct economic benefit, as metrics like EPS already exclude them. He affirmed that the company plans to continue the current buyback program opportunistically and is prepared to launch a new program once the current one concludes.

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