| 2025 Forecast | Consolidated | Reviewed | | --- | --- | --- | | Total credit portfolio¹ | Growth between 4.5% and 8.5% | Maintained | | Financial margin with clients | Growth between | Growth between | | | 7.5% and 11.5% | 11.0% and 14.0% | | Financial margin with the market | Between | Maintained | | | R$1.0 bn and R$3.0 bn | | | Cost of credit² | Between R$34.5 bn and R$38.5 bn | Maintained | | Commissions and fees and results | Growth between | | | from insurance operations³ | 4.0% and 7.0% | Maintaine ...