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financial highlights

2021 Forecast

The table below presents the revised projections for the year 2021, according to material fact disclosed on August 2nd, 2021.

ConsolidatedBrazil1
previousreviewedpreviousreviewed
Total credit portfolio2growing between
5.5% to 9.5%
growing between
8.5% to 11.5%
growing between
8.5% to 12.5%
growing between
12.5% to 15.5%
Financial margin with clientsgrowing between
2.5% to 6.5%
maintainedgrowing between
3.0% to 7.0%
maintained
Financial margin with the marketrange from
R$4.9 bn to R$6.4 bn
range from
R$6.5 bn to R$8.0 bn
range from
R$3.3 bn to R$4.8 bn
range from
R$3.9 bn to R$5.4 bn
Cost of credit3range from
R$21.3 bn to R$24.3 bn
range from
R$19.0 bn to R$22.0 bn
range from
R$19.0 bn to R$22.0 bn
range from
R$17.0 bn to R$20.0 bn
Commissions and fees and results from insurance operations4growing between
2.5% to 6.5%
maintainedgrowing between
2.5% to 6.5%
maintained
Non-interest expensesrange from
-2.0% to 2.0%
maintainedrange from
-2.0% to 2.0%
maintained
Effective tax raterange from
34.5% to 36.5%
maintainedrange from
34.0% to 36.0%
maintained
(1) Includes units abroad ex-Latin America; (2) Includes financial guarantees provided and corporate securities; (3) Composed of result from loan losses, impairment and discounts granted; (4) commissions and fees (+) income from insurance, pension plan and premium bonds operations (-) expenses for claims (-) insurance, pension plan and premium bonds selling expenses.

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