)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
Banco ABC Brasil (ABCB4) investor relations material
Banco ABC Brasil Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net income for 3Q25 reached R$257 million, with ROE/ROAE at 15.5% and NIM at 4.4%, reflecting stable profitability and a 5.2% sequential increase, supported by higher client and market margins.
Recognized as the best Latin American bank by Excel and in Extel's 2025 Latin America Executive Team ranking, and received the APIMEC Acidity Seal for transparency and governance.
Introduced new verticals for agribusiness and real estate, with specialized teams and updated client segmentation to deepen sector expertise and client service.
Emphasized ESG leadership, with ESG assets reaching R$21.7 billion, up 11.6% year-over-year, and innovative decarbonization solutions.
Focused on talent development, with award-winning internship and training programs, and a culture of continuous learning.
Financial highlights
Net profit for Q3 2025 was R$257 million, up from R$244 million in the previous quarter, with recurring net income at R$256.8 million, a 0.7% year-over-year increase.
Net Interest Income (NII) hit a record R$652 million, up 7.9% sequentially and 4.9% year-over-year.
Efficiency ratio increased to 38.8% in 3Q25, up 99 bps year-over-year, with expenditures growing 3% year-over-year.
Service revenues declined 5.6% year-over-year to R$110.7 million.
Provision expenses increased 31.2% year-over-year to R$89.4 million.
Outlook and guidance
2025 guidance for expanded credit portfolio growth was revised down to 1–4% (from 7–12%) due to macroeconomic and corporate credit market dynamics.
Expense growth guidance for 2025 was lowered to 4–7% (from 6–11%).
Efficiency ratio guidance was raised to 39–40% (from 36–38%).
Expectation for a stronger Q4, but uncertainty remains about reaching the symbolic R$1 billion annual earnings target.
How will ABC Brasil balance growth vs risk in 2026?
How will new verticals mitigate sector-specific risks?
How does talent strategy enhance competitive pricing?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Banco ABC Brasil earnings date
Q4 202511 Feb, 2026
Next Banco ABC Brasil earnings date
Q4 202511 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Banco ABC Brasil S.A. is a commercial bank that primarily caters to middle and large companies across Brazil. It provides a comprehensive suite of financial products and services, including current and time accounts, loans (e.g., working capital, rotary, receivables, transfer in foreign currency, and foreign currency loans), sureties (payment guarantee, performance bond, court bail, stand-by letter of credit, bid bond, and letter of credit), derivatives (currency term, merchandise term, swap, and options), and foreign exchange services. Additionally, Banco ABC Brasil offers internet banking services, financial and strategic advisory services in mergers and acquisitions, capital market services, insurance products (life and guarantee), and operates as an energy trader. The company is headquartered in São Paulo, Brazil, and its shares are listed on the São Paulo Stock Exchange.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage