(a) Expanded Credit Portfolio also comprises Guarantees Issued, Private Credit Bonds (PNs and Debentures) and Agro Securities (CDCA, CDA/WA,, and CPR).
(b) Free Cash = Cash + Short-term interbank investments + Securities - Debt securities classified under marketable securities (comprising Rural product certificates (CPRs), Agribusiness deposit certificates and warrants (CDAs/WAs), debentures and promissory notes) - Funds raised in the open market.
(c) Non Perfoming Loans/Total Loan Portfolio, NPL corresponds to the total outstanding balance of credit agreements with at least one installment overdue above 60 or 90 days.
(e) Excluding the non-recurring IPO expenses.
(f) Restructuring expenses detailed in the Earnings Release.
(g) Including credits assigned to Banco Intercap which the acquisition was concluded in November 2013.