The final weeks of the year mark the most intense period for the banking sector, as annual targets for profitability, growth, and financial stability are all finalized. This isn’t merely a race to boost numbers; every growth step is constrained by credit limits, capital costs, and the challenge of managing non-performing loans. Consequently, a bank’s year-end acceleration not only determines its current performance but also serves as an early indicator of its growth quality and prospects for the following year.