Financial Performance - Net profit reached R$37 billion[10] - Net interest income decreased by 33% QoQ but increased by 44% YoY[10] - Fees increased by 13% QoQ and 04% YoY[10] - Expenses decreased by 25% QoQ but increased by 15% YoY[10] - ROAE was 164%[10,60] Customer Growth and Engagement - The company has 717 million customers, a 7% increase YoY[11] - Active customers reached 335 million, a 5% increase YoY[11] - Customers with primacy increased by 20% YoY[11] Business Expansion and Diversification - Consumer Finance loan portfolio increased by 16% to R$874 billion[23] - Revenue diversification is a focus, with fees growing above NII[26] - Premium bonds and "Consórcios" revenue increased significantly, with "Consórcio" sales growing by 140% in 2 years through digital channels[30,31] Technology and Efficiency - Investments in technology are increasing, with digital sales up significantly[34,37] - AI is being used to improve productivity, with a 39% rise in chat productivity and a 98% reduction in development time[40] - The company is focused on operational excellence, with a 54% reduction in the number of products and a 23% reduction in infrastructure expenses[44] Loan Portfolio and Funding - Total loans reached R$539496 million, a decrease of 12% compared to the previous quarter[49] - Funding from clients totaled R$643827 million, a decrease of 12% compared to the previous quarter[49]