Δ assets is quarter on quarter. Δ ROE is in percentage points. Coverage is a stock ratio and is not comparable across retail and wholesale books — read it next to cost of risk. Cover NPL is implied provisions (reported coverage × credit book) ÷ the SCR defaulted stock: below 1.00× the provision stock is smaller than the defaulted balance. It spans two filings with different scopes, so it is provisioning intensity rather than a filed coverage ratio, and it starts in 2025 Q1 — earlier quarters and non-filers read “—”.