Loans could grow 4%-5%, aided by new business opportunities as supply chains shift to Southeast Asia, which already generates 80% of the bank's pre-tax profit.
If margin dips 14 basis points (bps) this year and 5 bps in 2026 before stabilising in 2027, net interest income growth could fall 3% in 2025, then rise 2% in 2026 and 4% in 2027.
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