Good afternoon everybody,

Within the pest analysis of caja trujillo that we have carried out, we have
found the following points
on the political level:

 the operation of the Municipal Savings and Credit Banks, due to

their status as municipal companies, are subject to the budgetary
regulations of the public sector .

 Negative Factors: The government awaits the approval of a rule that

will exclude the Municipal Savings and Loan Banks from the scope
of application of the General State Budgets.

 Positive Factors: The proposed modification will allow the

Municipal Savings and Credit Banks to enjoy their economic and
administrative autonomy recognized in the rules that regulate their
operation.

On the economic level:

* Increase in microfinance

* Arrival of the pandemic by Covid-19

*Rise in the dollar.

* The increase in interest rates on loans and decrease in savings.

* The pause in hiring due to the pandemic.

* Decrease in profits
on the social issue :

Demography:

 Rising unemployment.
 Most acquire some banking product

Population growth rates:

 Deterioration in the loan placement portfolio.

 Decrease in economic activity due to the pandemic

Labor Market Trend:

 Assigned classifications of clints are limited due to the high level of

rescheduled loans.

and on the technological issue:

According to Caja Trujillo, the profile of their customers is not digital,
They had has to generate new models, tools and digital ways to interact
and communicate with its customers.

It has virtual assistants, mobile app, home banking.

"Conoce" proyect, a chatbot called "mari"

Digital pocket.

Within the marketing gols of the caja Truijllo, we see that it is expected to
exceed a growth of 15% in 2021 thanks to an innovative segmentation
project

The "Crese" project is a Strategy that is aimed, above all, at clients with a
good credit profile.

This project aims to place more than 30,000 new loans in the financial
system in 2021, which will have a significant impact on the country's
economy.

“Crese” is a project that will allow serving customers in a more agile way,
optimizing time.