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    Marcelo Mizrahi

    Research Analyst at Bradesco BBI

    Marcelo Mizrahi is an Equity Research Analyst of LATAM Banks & Financials at Bradesco BBI, specializing in the coverage of leading Latin American financial institutions such as PagBank, XP Inc, Porto Seguro, and Caixa Seguridade. He regularly contributes insights on these companies’ earnings, asset quality, and efficiency trends and has been quoted in major earnings calls for his detailed, performance-oriented questions. While concrete performance rankings and quantitative success metrics are not publicly listed, his ongoing presence in key analyst coverage lists for high-profile financial firms underscores his role as a primary sector specialist within the firm. Mizrahi's prior career history and professional credential details are not fully disclosed, but he is recognized as an expert contact within Bradesco BBI’s research division and is actively engaged in analyst coverage throughout 2025.

    Marcelo Mizrahi's questions to XP (XP) leadership

    Marcelo Mizrahi's questions to XP (XP) leadership • Q2 2025

    Question

    Marcelo Mizrahi from Bradesco BBI inquired about the nature of the growth in the corporate credit portfolio and the strategy to address the negative net new money from corporate clients.

    Answer

    Chief Financial Officer Victor Mansur explained that the credit portfolio growth is from assets originated to be securitized and sold to XP's client base, consistent with past quarters. Regarding negative corporate net new money, he attributed it to a market dynamic where traditional banks are demanding investment reciprocity in exchange for credit lines. Since XP does not focus on this type of lending, it is seeing some corporate cash flow to competitors.

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    Marcelo Mizrahi's questions to StoneCo (STNE) leadership

    Marcelo Mizrahi's questions to StoneCo (STNE) leadership • Q2 2025

    Question

    Marcelo Mizrahi questioned why credit disbursements were at a record high in the quarter despite a conservative provisioning stance and asked for guidance on the future cost of risk.

    Answer

    CFO & IRO Mateus Scherer Schwening explained that the high disbursement follows a non-linear growth pattern and came after a flatter Q1. He stated the increased provision was a proactive, cautious decision based on macro signals, not current portfolio health, as NPLs are stable. He reiterated that the cost of risk should normalize to the mid-teens, not the 20% seen in the quarter.

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    Marcelo Mizrahi's questions to StoneCo (STNE) leadership • Q1 2025

    Question

    Marcelo Mizrahi asked about the impact of the Easter holiday on Stone's TPV and sales volumes during the first quarter, referencing comments made by other companies in the payments ecosystem.

    Answer

    Executive Lia de Matos responded that there were no specific trends to highlight regarding an Easter impact on Stone's volumes. She suggested this is likely due to the company's client profile, which has minimal exposure to the large retail sector where such holiday effects are typically more pronounced.

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    Marcelo Mizrahi's questions to Itau Unibanco Holding (ITUB) leadership

    Marcelo Mizrahi's questions to Itau Unibanco Holding (ITUB) leadership • Q1 2025

    Question

    Marcelo Mizrahi of BBI asked about the opportunity for Itaú's investment platform, particularly with the influx of clients from the 'One Itaú' initiative, and the strategy for this segment now that the bank is no longer a shareholder in XP.

    Answer

    CEO Milton Maluhy Filho explained that 'One Itaú' creates a significant cross-sell opportunity for investments. While the existing 'íon' platform with human specialists serves the affluent segment well, the bank is piloting an AI-powered wealth specialist to provide scalable investment advice to the broader client base. He emphasized that combining Itaú's deep investment expertise with AI technology creates a powerful competitive advantage.

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