Notes

June 30, 2026

June 30, 2025

Income

Interest income calculated using the effective interest method

(7)

269,392

251,970

Other interest income

(7)

21,596

19,024

Interest expense calculated using the effective interest method

(8)

-147,870

-134,166

Other interest expense

(8)

-12,434

-14,301

Interest expenses on leases

(8)

-514

-40

Net interest income

130,170

122,487

Dividend income

(9)

17,529

14,086

Results from equity investments

(10)

25,561

-219,116

Total results from equity investments

43,090

-205,030

Fee and commission income

5,106

5,184

Fee and commission expense

-7,318

-7,108

Net fee and commission expense

(11)

-2,212

-1,924

Net results from financial transactions

(12)

12,269

4,114

Remuneration for services rendered

(13)

15,286

14,426

Gains and losses due to derecognition

875

12

Other operating income

-289

6

Total other income

28,141

18,558

Total income

199,189

-65,909

Operating expenses

Staff costs

-75,809

-70,055

General and administrative expenses

-15,517

-14,214

Depreciation, amortization and impairment of PP&E and intangible assets

-6,963

-5,871

Total operating expenses

-98,289

-90,140

Impairment charges on financial assets, loan commitments and guarantees

(14)

-12,515

32,202

Results on associates/joint ventures

Share of the profit or (loss) of associates and joint ventures accounted for using the equity method

(4.6)

-4,320

34,152

Profit/(loss) before taxation

84,065

-89,695

Income tax

(15)

-7,643

9

Net profit/(loss)

76,422

-89,686

Net profit/(loss) attributable to

Owners of the parent company

76,422

-89,686

Net profit/(loss)

76,422

-89,686