The earnings call summary reveals several negative factors: decreased revenue and increased credit impairment losses, indicating financial struggles. The lack of a shareholder return plan further dampens sentiment. The Q&A section highlights ongoing challenges, including economic uncertainty and pressure on profitability. Although there are some positive aspects, such as stable asset quality and decreasing funding costs, these are outweighed by the negative financial performance and lack of clear guidance, leading to a negative sentiment rating. Given the company's small market cap, the stock price is likely to react negatively in the short term.
