
Financial Performance - Adjusted net income was R$34 billion, a decrease of 201% compared to 1Q19[5] - Net Interest Income (NII) increased by 99% compared to 1Q19, reaching R$140 billion[5] - Fee income increased by 40% compared to 1Q19, totaling R$71 billion[5] - ALL Expenses increased significantly by 633% compared to 1Q19, reaching R$55 billion[5] Loan Portfolio - The total loan portfolio increased by 42% from March 2019 to March 2020[25] - Individuals loan portfolio increased by 96% from Mar/19 to Mar/20[29] - Companies loan portfolio increased by 59% from Mar/19 to Mar/20[31] - Agribusiness loan portfolio increased by 14% from Dec/19 to Mar/20[35] Credit Quality - NPL (Non-Performing Loans) +90 days for the total portfolio increased from 300% in Mar/19 to 320% in Mar/20[43, 44] - Coverage Ratio for the total portfolio decreased from 2139% in Mar/19 to 1938% in Mar/20[45] Digitalization - Transactions made through the App and Internet reached 845% in 1Q20, an increase of 37% compared to 1Q19[80]