T (T) Cost of risk ratio MSFO (year values)

2020 2021 2022 2023 2024   LTM ? CAGR 5 years ?
Cost of risk ratio, % ? 10.00% 4.50% 9.90% 6.20% 6.50%   6.13%  
Changes by years, y/y, % +2pp -6pp +5pp -4pp +0pp     -4.3%

T. Cost of risk ratio, %

T. Cost of risk ratio, changes, pp

T (T) Cost of risk ratio MSFO (quarter values)

2024Q3 2024Q4 2025Q1 2025Q2 2025Q3   LTM ?
Cost of risk ratio, % ? 5.70% 6.50% 5.20% 6.70% 6.10%   6.13%
Changes by years, y/y, % 0pp +1pp -2pp -1pp +0pp    
Changes by quarters, q/q, % -2pp +1pp -1pp +2pp -1pp    

T. Cost of risk ratio, %

T. Cost of risk ratio, changes, pp

T. Cost of risk ratio, changes, pp