- 9M 2023 credit growth was 3.8%, with gross loans increasing 3.9% while the corporate bond book decreased 8.6%. Q3 2023 credit growth was low at 1.0% QoQ. - 9M 2023 customer deposit growth was 8.5% vs our full-year forecast of 13.0% YoY. In Q3 2023, VCB’