Financial Highlights

Financial Highlights (BRL Million)Mar/19Mar/20Mar/21
Total Assets6,0768,61611,738
Capital Tier I798840926
Shareholders' Equity
616674
755
Net Income
1511
16
Total Expanded Credit Portfolio ¹4,5976,745
9,100
Total Funding
5,0807,084
9,814
Return on Average Equity (p.a.)
9.6%6.4%8.2%
Return on Average Assets (p.a.)
0.9%0.5%
0.5%
Expanded NIM (Before allowances for loan losses) ² ³ (p.a)
4.7%3.5%
3.4%
Basel Ratio (Core Tier I)
19,0%13.7%
13.7%
Liquid Assets
1,3441,818
2,515
Efficiency Ratio (ER)
58.6%66.8%
60.6%
Service Revenues (% of the Total Revenues ) 4
25.2%21.9%16.6%
¹ Includes garantees, letters of credit and operations bearing credit risk (debentures and promissory notes).
² Includes the result of Equity Equivalence.
³ Including services fees and adjusting for open  market operations.
4 Gross Financial Income before Allowances for Loan Losses + Service Revenue + Result of Equity Equivalence.