highlights Net Income 4.6 Improvement of the delinquency ratio R$bn (11.3$ bn Decrease in the expanded ALL Delinquency Ratio 90+ -0.1 p.p. Positive performance in fees and commission income Basel Tier I 13.4 Income from insurance % Clients Controlling operating expenses 71.7 mm Customer-centric | NPS Operating Income from Insurance Major strategic actions underway 4.6 R$ bn Recognition o ...