Highlights

 HIGHLIGHTS9M169M17Var. 
 RESULTS (R$ million)    
  Net Interest Income (a) 3,726 3,755 0.8%  
  Result of loan losses and impairments (b)

(1,494)

(1,523) 2.0%  
  Net Financial Margin (a - b) 2,233 2,232 0,0%  
  Fee Income/Banking Fee Income 800 943 17.8%  
  Administrative and Personnel Expenses (1,816) (1,746) -3.9%  
  Operating Income (Loss) 664 866 30.4%  
  Net Income (Loss) 306 426

39.0%

 
 BALANCE SHEET (R$ million)    
  Total Assets 103,804 99,420 -4.2%  
  Loan Portfolio 47,019 47,608 1.3%  
      Wholesale Segment 13,789 12,664 -8.2%  
      Consumer Finance Segment 33,229 34,944 5.2%  
  Guarantees Provided 7,809 5,140 -34.2%  
  Expanded Credit Portfolio 60,010 57,450 -4.3%  
  Funding Sources 65,704 64,777

-1.4%

 
  Shareholders' Equity

8,416

8,777 4.3%  
 MANAGEMENT INDICATORS (%)    
  Return on Average Equity1 (ROAE) 5.1 6.7 1.6 p.p.  
  Return on Average Assets2 (ROAA) 0.4 0.6 0.2 p.p.  
  Net Interest Margin3 (NIM) 5.2 5.5 0.3 p.p.  
  Efficiency Ratio (ER) - Accumulated basis of 12 months4 37.5 35.1 -2.4 p.p.  
  Basel Index 11.2 10.9 -0.2 p.p.  
 OTHER INFORMATION    
  Assets under Management5 (R$ million) 53,129 55,277 4.0%  
 
1. Ratio between net income and average equity of the period. This ratio is annualized;
2. Ratio between net income and average assets of the period. This ratio is annualized;
3. Ratio between the gross income from financial operation and average interest earning assets. This ratio is annualized;
4. ER = Administrative and personnel expenses / (gross financial margin + income from rendered services and banking fees + equity in income of associated companies and subsidiaries + other operating income and expenses)
5. Includes onshore funds (ANBIMA criteria) and private clients' resources.

Updated on November 09th, 2017