Financial Highlights

Financial Highlights (BRL Million)1Q231Q241Q251Q26
Total Assets20,66526,71229,68832,796
Liquid Assets3,7445,2645,3483,908
Total Expanded Credit Portfolio ¹13,78916,31217,24319,495
Overdue loans + 90 days ²0.32%0.22%0.36%0.64%
Stage 3 / Credit Portfolio ³---1.07%
PDD coverage ratio / Stage 3 ³---83.81%
Total Funding16,32219,65521,82526,157
Shareholders' Equity1,0461,2871,4731,749
Core Tier I1,2131,4471,6401,909
Basel Ratio (Core Tier I)14.49%16.04%15.74%17.30%
Return on Average Equity (p.a.)14.00%22.79%22.67%28.97%
Return on Average Assets (p.a.)0.70%1.05%1.02%1.52%
Net Income367181123
Net Income before Tax83133152195
Expanded NIM (Before Allowances for loan losses) 4 (p.a.)3.87%3.99%3.17%4.70%
Efficiency Ratio (ER)48.40%39.41%42.45%36.16%
Service Revenues20552327
Revenues not linked to credit spread49.66%47.07%49.05%42.27%

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.