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  "documentTitle": "2025 Investor Day",
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  "notes": "The chart shows a downward trend in the efficiency ratio from 73% in 1Q'24 to 61% in 3Q'25, with a further projected decline in the medium term.",
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      "text": "Continued originations and revenue growth; Variable expenses increase with originations growth; Fixed cost base to scale and grow significantly slower than revenue; Incremental investments; Opportunistically evaluate growth investments.",
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      "text": "Expenses: Operating Leverage with Investments in Growth",
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