Financial Highlights

Financial Highlights (BRL Million)3Q223Q233Q243Q25
Total Assets19,38724,03732,55727,654
Liquid Assets3,6363,3883,4965,366
Total Credit Portfolio ¹13,12416,26217,18017,309
Overdue loans + 90 days ²0.2%0.5%0.2%0.9%
Stage 3 / Credit Portfolio ³---1.0%
PDD coverage ratio / Stage 3 ³---80.9%
Total Funding15,52617,39920,50621,988
Shareholders' Equity9981,1641,3541,609
Core Tier I1,1671,3281,5121,776
Basel Ratio (Core Tier I)13.3%14.2%15.4%17.1%
Return on Average Equity (p.a.)22.2%22.6%19.0%29.0%
Return on Average Assets (p.a.)1.2%1.1%0.8%1.4%
Net Income153184182326
Net Income before Tax293325316496
Expanded NIM (Before Allowances for loan losses) 4 (p.a.)4.6%4.3%3.3%3.9%
Efficiency Ratio (ER)39.9%41.4%46.3%33.7%
Service Revenues1118912271
Revenues not linked to credit spread46.7%42.9%49.6%47.9%

¹ Includes guarantees, letters of credit and credit risk bonds.
² Overdue and upcoming installments / Credit Portfolio.
³ Ratios are presented in accordance with CMN resolution nº 4,966/21.
4 Gross Financial Income before Allowances for Loan Losses + Service Revenue + Result of Equity Equivalence.