REGULATORY AND ECONOMIC-FINANCIAL INDICATORS

Notice No. 16/GBM/2017, published in the Boletim da República no. 149, Series I, dated September 22, 2017

Description Indicator December 2025
Capital
Leverage Ratio 19.73%
Solvency Ratio 33.95%
Tier I Capital 34.43%
Assets Quality
Loans Overdue up to 90 Days Ratio 3.55%
Non-performing Loans Ratio (NPL) 5.64%
NPL Coverage Ratio 73.36%
Management
Operating Costs Ratio 50.75%
Cost to Income 46.97%
Efficiency Ratio 50,350
Results
Net Interest Margin Ratio 12.50%
Return on Assets (ROA) 2.62%
Return on Equity (ROE) 14.73%
Liquidity
Liquid Assets Ratio 43.30%
Loans-to-Deposit Ratio

50.40%

Short Term Liquidity Coverage Ratio 57.25%
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