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4Q20 highlights Recurring Net Income Iill R $ 6.8 billion 好 Quarterly ROAE 20.0 % Reduction of R $ 3.2 billion in the operating expenses during the year ( disregarding the provision for the adverse economic scenario of the Insurance Group ) bradesco + 35.2 % in the quarter + 2.3 % in 12 months ( 4Q20 x 4Q19 ) +4.8 p.p. in the quarter -1.2 p.p. in 12 months ( 4Q20 x 4Q19 ) 12 - month ER 46.3 % Improvement of 2.7 p.p. ( 12M20 x 12M19 ) Expanded Loan Portfolio R $ 687 billion + 9.4 % + 10.3 % in 12 months + 3.4 % in the quarter COMPANIES in 12 months + 1.4 % INDIVIDUALS in the quarter + 11.7 % in 12 months + 6.9 % in the quarter Expanded ALL R $ 4.6 billion Coverage ratio over 90 days 402.8 % -18.3 % in the quarter + 14.7 % in 12 months ( 4Q20 x 4Q19 ) Delinquency ratio over 90 days 2.2 %