ROAE
| 26.1% | 2025 |
| 20.9% | 2024 |
Total assets
BRL billion
| 32.1 | 2025 |
| 34.0 | 2024 |
Derivatives volume
BRL billion
| 8.6 | 2025 |
| 7.7 | 2024 |
Basel ratio
| 16.1% | 2025 |
| 14.7% | 2024 |
DCM
BRL billion
| 16.7 | 2025 |
| 15.6 | 2024 |
Assets under management
BRL billion
| 3.1 | 2025 |
| 3.3 | 2024 |
ROAE
Total expanded credit portfolio
BRL billion
Basel ratio (%) + Total capital
BRL million
Total assets
BRL billion
Total funding
BRL billion
Revenue not to linked credit
BRL million
| 4T22 | 4T23 | 4T24 | 4T25 | |
|---|---|---|---|---|
| Total assets | 20,738 | 27,328 | 34,006 | 32,073 |
| Liquid assets | 3,712 | 5,008 | 6,685 | 4,420 |
| Total credit portfolio¹ | 13,542 | 16,691 | 18,349 | 19,419 |
| Overdue loans + 90 days² | 0.2% | 0.2% | 0.4% | 0.6% |
| Stage 3 / Credit portfolio³ | - | - | - | 0.9% |
| PDD coverage ratio / Stage 3³ | - | - | - | 95.6% |
| Total funding | 16,233 | 19,429 | 22,958 | 24,456 |
| Shareholders’ equity | 1,010 | 1,210 | 1,394 | 1,643 |
| Core Tier I | 1,185 | 1,379 | 1,557 | 1,817 |
| Basel ratio (Core Tier I) | 14.7% | 14.8% | 14.7% | 16.1% |
| Return on average equity (p.a.) | 23.8% | 24.7% | 20.9% | 26.1% |
| Return on average assets (p.a.) | 1.3% | 1.1% | 0.9% | 1.2% |
| Net income | 221 | 274 | 273 | 397 |
| Net income before tax | 382 | 464 | 463 | 609 |
| Expanded NIM (before allowances for loan losses)⁴ (p.a.) | 4.8% | 4.1% | 3.3% | 3.8% |
| Efficiency ratio (ER) | 43.5% | 41.9% | 43.0% | 37.6% |
| Service revenues | 158 | 147 | 158 | 96 |
| Revenues not linked to credit spread | 43.6% | 45.9% | 47.5% | 47.6% |
| Domestic | Global | ||
|---|---|---|---|
| Local currency | Local currency | Foreign currency | |
| Moody's | AAA.br | Baa3 | Baa3 |
| Fitch | AAA(bra) | BBB- | BB+ |
