Recent history suggests quite the contrary.
I am optimistic, but on high alert for failure in guidance. Instead, VV over delivers sometimes.
*NIM expanded, beyond guidance.
*CASA targets reached much sooner.
*15-20% loan book growth in on point.
*Which makes me think, although he has said 8 quarters will go by till RoE 15% is reached, it might happen much sooner.
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