Ricardo Dutra: Bryan, it is possible, but we cannot be, let’s say, disconnected that we are growing much more than the industry. If you look in the past six years, we are growing 60%, 80% more than the industry. So this quarter, industry grew 20%, we grew 35%. So 7%, 7% more than the industry. So what I’m trying to say here is we cannot be disconnected from what’s going on in the industry as a whole. So if there’s going to be growth in the industry in Q1, reaccelerating we will accelerate even more. If we have this credit consumption constraint and the industry doesn’t grow that much, we will grow more than the ides but not as much as we’d like to. So that’s the macro overview. I mean, the best answer to give it to you is we plan, and we do believe that we are able to keep growing more than the industry, as we’ve been doing in the past six years. But of course, we cannot be disconnected from the industry as a whole.
Bryan Keane: Got it. Yes, market share gains are obviously important. So that’s the best you could do. All right. Thanks guys.
Ricardo Dutra: Thank you, Bryan.
Operator: Next question comes from Domingos Falavina with (ph) JP Morgan. Please go ahead.
Domingos Falavina: Hi, everyone on the call. Thanks for taking the question. My question — two follow-up question here as well or less on, I guess, non-controlled items like new industry TPV and more on the pricing, which you have more control. So when we look at the MDR revenues, ballpark, you grew low 1%, similar to TPV Q-on-Q, which is perfect, right? I mean no major price contract or anything? When we look at the net financial result, however, and we do add all the lines, as you guys know, it shrank by 8% Q-on-Q. We look at your deposit base, it grew massively, right, especially the banking side, like BRL5 billion in deposits. The cost of your funding, I think, went down 2 percentage points from like BRL119 million to BRL117 million.
So I guess my question to you here is a true for that it seems obviously the positive impact part of it, maybe BRL20 million, BRL30 million. But out of the BRL100 million you shrank in Q-on-Q on financial results, there was some squeeze in pricing. So on that front, why pay so much for deposits growing so much the deposit base and impact the negative net financial result? Question within that as well, why did this shrink, why not increase more? One of your peers that was the latest one to pass through, had 50% increase in net financial results Q-on-Q. What can we expect on this? Like we want to see price increases, I guess, and this is not consistent with the TPV growth and is on the opposite direction? And the glass half full between the second one already is on OpEx. OpEx was very good, basically down even Q-on-Q 1%, especially in cost of services.
Can we expect this sort of cost discipline going forward basically and growing below TPV? Thanks.
