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3Q21 Highlights Economic and Financial Analysis Report Recurring Net Income R $ 6.8 billion + 34.5 % in 12 months ( 3Q21 x 3Q20 ) + 7.1 % in the quarter ( 3Q21 x 2Q21 ) Accrued ROAE 18.3 % +5.4 p.p. in 12 months +0.1 p.p. in the quarter 12 - month ER 45.4 % Improvement of 1.8 p.p. in 12 months Income from Insurance , Pension Plans and Capitalization Bonds Fee and Commission Income + 7.8 % in 12 months + 2.6 % in 12 months R $ 3.2 bi R $ 8.8 bi + 104.1 % in the quarter + 4.1 % in the quarter Client Portion Expanded ALL + 9.8 % in 12 months -39.9 % in 12 months R $ 14.1 bi R $ 3.4 bi + 4.3 % in the quarter -3.7 % in the quarter 9.0 % of spread growth in the 3Q21 Expanded loan portfolio + 16.4 % in 12 months R $ 773.3 bi + 6.5 % in the quarter Loans authorized through digital channels approximately R $ 30 bi Individuals R $ 15 bi + 58 % in 12 months approximately 80 % through the app channel ( mobile )