Strong EPS Growth
Adjusted basic EPS reached BRL 6.9 per share, up 37% year-to-date, and BRL 2.57 per share, growing 31% year-over-year.
Consistent Capital Returns
Returned BRL 2.8 billion to shareholders in the last 12 months, about a 10% yield for the period, with 74% of BRL 3 billion excess capital already returned by the end of October.
ROE Expansion
Consolidated ROE expanded 8 percentage points year-over-year to 24%, while Financial Services ROE from continuing operations increased 4 percentage points to 33%.
Revenue and Income Growth
Total revenue and income grew 16% year-over-year, reaching BRL 3.6 billion, despite lower floating revenues.
Banking Operation Expansion
Active client base grew 22% year-over-year to 3.5 million, with client deposits increasing 32% year-over-year to BRL 9 billion.
Credit Portfolio Growth
Total credit portfolio grew 27% sequentially to BRL 2.3 billion, with strong credit quality maintained.