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Financial highlights

As from January 2025, the accounting information (BRGAAP) and the managerial information (BRGAAP) views adopted CMN Resolution No. 4,966 prospectively. In this context, we have disabled these views from the interactive dashboard, keeping them in the discontinued historical series spreadsheet.

Information prior to March 2023 does not take into account the adoption of IFRS 17.

2025
Forecast

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2025 Forecast

    The table below presents the revised projection for the year 2025, according to material fact disclosed on November 04, 2025.

  Consolidated Reviewed
Total credit portfolio1 Growth between 4.5% and 8.5% Maintained
Financial margin with clients Growth between 11.0% and 14.0% Maintained
Financial margin with the market Between R$ 1.0 bn and R$ 3.0 bn Between R$ 3.0 bn and R$ 3.5 bn
Cost of credit2 Between R$ 34.5 bn and R$ 38.5 bn Maintained
Commissions and fees and results from insurance operations3 Growth between 4.0% and 7.0% Maintained
Non-interest expenses Growth between 5.5% and 8.5% Maintained
Effective tax rate Between 28.5% and 30.5% Maintained
(1) Includes financial guarantees provided and private securities; (2) Composed of expected loss expenses, discounts granted and recovery of loans written off as losses; (3) Commissions and fees (+) income from insurance, pension plan and premium bonds operations (-) expenses for claims (-) insuanrce, pension plan and premium bonds selling expenses.

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