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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Banco BTG Pactual
Banco BTG Pactual (BPAC11) investor relations material
Banco BTG Pactual Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary11 Aug, 2026
Executive summary
Achieved record quarterly revenues of R$10.4bn and net income of R$5.1bn in 2Q26, with ROAE at 26.7% and robust efficiency gains, supported by diversified business lines and major acquisitions including Meu Tudo and HSBC Uruguay.
Strong performance across corporate lending, business banking, asset and wealth management, and consumer finance, with significant net new money inflows and credit portfolio expansion.
Efficiency gains from Banco PAN integration and disciplined capital allocation supported results.
Completed key partnerships and acquisitions, expanding presence in consumer finance and Latin America.
Financial highlights
Total revenues reached R$10.4bn in 2Q26, up 16% year-over-year and 4% quarter-over-quarter; adjusted net income was R$5.1bn, up 23% year-over-year.
Net new money of R$59bn in 2Q26; AuM/WuM reached R$2.7tn, up 25% year-over-year.
Credit portfolio expanded 24% year-over-year to R$367bn; unsecured funding grew 32% year-over-year to R$405bn.
Cost-to-income ratio improved to 37.1%; compensation ratio at 19.5%.
Liquidity Coverage Ratio at 160.3%; Basel capital ratio at 16.0%.
Outlook and guidance
Management expects continued growth in consumer finance and wealth management, with further expansion from recent acquisitions and digital initiatives.
Corporate lending portfolio projected to grow 15–20% for the year, supported by international expansion.
Ongoing focus on sustainability, ESG, and disciplined cost management.
Debt issuance activity began to improve in June, indicating a stronger pipeline for Q3.
Conservative underwriting standards maintained due to anticipated macroeconomic headwinds.
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Latest events from Banco BTG Pactual
- Net income rose 42% in 1Q26, with ROAE at 26.6% and strong segment growth.BPAC11
Q1 2026 - Record 2025 results with 26.9% ROAE, double-digit growth, and strong capital ratios.BPAC11Q4 2025
- Record revenues and net income, with robust growth and efficiency across all business lines.BPAC11Q3 2025
- Record Q2 with 38% revenue growth, 27.1% ROE, and broad-based business outperformance.BPAC11Q2 2025
- Record Q3 2024 results with 23.5% ROAE, strong growth, and robust capital position.BPAC11Q3 2024
- Record net income, 22.5% ROE, and robust growth in lending, asset, and wealth management in 2Q24.BPAC11Q2 2024
- Record net income and 23.2% ROAE, with strong growth in lending and wealth management.BPAC11Q1 2025
- Record 2024 revenues, 23.1% ROAE, and robust growth driven by diversification and acquisitions.BPAC11Q4 2024
Next Banco BTG Pactual earnings date
Q3 202612 Nov, 2026
Banco BTG Pactual
Next Banco BTG Pactual earnings date
Q3 202612 Nov, 2026
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Frequently asked questions
Banco BTG Pactual S.A. (BPAC11) is a financial services firm based in Rio de Janeiro, Brazil. The company provides a range of services including wealth management, investment banking, corporate loans, brokerage, and other financial solutions. Its offerings encompass capital markets services, credit and loan guarantees, clearing and derivatives, equities, financial planning and advisory, investment products, foreign exchange, and energy and commodities transactions. Additionally, BTG Pactual offers services such as succession planning, pension plans, corporate consulting, family office services, investment and hedge funds, fiduciary administration, and project financing.