MSMB Total Payment Volume Growth
Total payment volume for MSMB grew by 20% year-over-year to reach BRL 114 billion, serving 4 million clients.
Significant Increase in Demand Deposits
Demand deposits in the banking segment amounted to BRL 6.7 billion, a 50% increase compared to the previous year.
Credit Portfolio Expansion
The credit portfolio grew nearly 30% quarter-over-quarter to BRL 923 million, surpassing annual guidance with better-than-expected NPL levels.
Record MSMB Take Rate
The MSMB take rate reached a record of 2.58% in the quarter, surpassing the annual guidance of 2.49%.
EBITDA Margin Improvement
EBITDA margin increased by 1.6 percentage points sequentially, surpassing 18%.
Adjusted Net Income Growth
Adjusted net income grew by 35% year-over-year, with a significant 43% year-over-year increase in adjusted basic earnings per share.