This document summarizes the key financial highlights of a company for the first nine months of 2016 compared to the same period in 2015. It shows a significant decrease in net profit of 55.5% driven mainly by lower net banking income. Total equity increased slightly by 2.3% while funding decreased sharply by 31.8%. Credit quality remained stable with the cost of credit quality increasing slightly from 79 to 86 basis points. The portfolio of trade receivables grew by over 14% compared to the same period last year.