Hi Giro, excellent article.

Could you please tell me how you calculate the ROAs for Mercado Credito?


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Jun 25, 2022Liked by Giro Lino

Great one. I have a couple of Q if Im allowed:

1) the prepayment fee seems pretty high going forward, what do you think about it?

2) which processor does Meli uses in Brazil?

3) the NPL issue, do you have an estimate of it compared to a bank (or under banking regulations of provision/write off)? I understand how ECL works, but once the growth normalices it should go down below 10%.

Thanks for those!

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