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Ratings

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Moody's Aa2.Br Ba2
Fitch Ratings AAA BB
Standard & Poor's BrAAA BB-
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Indicators

4Q19

Dec19

3Q19

Sep19

4Q19 x 3Q19

Chg 3M

4Q18

Dec18

4Q19 x 4Q18

Chg 12M

Shareholders’ Equity  (BRL mn) 4,040.7 3,956.3 2.1% 3,665.5 10.2%
Exp. Credit Portfolio (BRL mn) 30,140.4 28,235.5 6.7% 26,240.3 14.9%
Recurring ROAE 12.0% 12.5% -0.5 13.3% -1.3
Rec. Net Income (BRL mn) 119.7 123.0 -2.7% 121.4 -1.5%
Book Value per Share (BRL) 18.88 18.39 2.7% 17.57 7.4%
# Shares (ex-Treasury) 214,046,596 215,187,488 208,618,415