Banco PAN is a digital financial institution that operates in the Brazilian market focusing on individuals. Its portfolio of credit products includes vehicle financing (light and motorcycle), payroll credit (public and private), FGTS anniversary savings, credit cards, and personal loans. The most relevant lines of business in terms of portfolio volume are vehicle financing and payroll loans. The company operates through a digital platform that integrates all its products and services, including a marketplace and insurance offer. The bank's strategy is based on credit distribution and customer engagement through its digital channels and partners.
The net profit margin, or simply net margin, measures how much net income or profit is generated as a percentage of revenue. It is the ratio of net profits to revenues for a company or business segment.
Return on equity (ROE) is the measure of a company's net income divided by its shareholders' equity and is a gauge of a corporation's profitability and how efficiently it generates those profits.
Return on assets is a metric that indicates a company's profitability in relation to its total assets and can be used by management, analysts, and investors to determine whether a company uses its assets efficiently to generate a profit.
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