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Banco do Brasil (BBAS3) investor relations material
Banco do Brasil Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Nov, 2025
Executive summary
Management emphasized resilience amid regulatory changes and turbulence, focusing on responsible decisions, structured credit risk, and agribusiness challenges.
Adjusted net income for 9M25 was R$14.9 billion, down 47.2% year-over-year, with 3Q25 at R$3.8 billion, flat sequentially.
Expanded loan portfolio grew 7.5% year-over-year to R$1,294.3 billion as of Sep/25.
The bank is leveraging technology and specialized relationships to prepare for a new growth cycle and generate shareholder value.
Financial highlights
Net profit guidance for 2024 was revised to BRL 18–21 billion, reflecting higher provisions, especially in agribusiness.
Cost of credit guidance for 2025 is R$38.5–40.0 billion, but 9M25 already reached R$44.0 billion.
Main capital ratio (CET1) stands at 11.16%, considered robust for current conditions.
Fee income for 9M25 was R$26.0 billion, with administrative expenses up 5.4% to R$29.0 billion.
Tax rate for the year is expected to be in the low single digits due to high provisions and deferred tax assets.
Outlook and guidance
Management expects an inflection in agribusiness delinquency in early 2026, with lower provisions anticipated for that year.
Loan portfolio growth guidance for 2025 is 3.0%–6.0%, with 9M25 achieving 7.3%.
Net interest income guidance for 2025 is R$102–105 billion.
The bank aims to maintain a 30% payout ratio in 2024, with future increases dependent on capital reinforcement and renegotiation success.
MP 1314: expected impact on agro NPLs
Capital outlook & 30% payout sustainability
Tax rate outlook & economic plan provisions
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Next Banco do Brasil earnings date
Q4 202519 Feb, 2026
Next Banco do Brasil earnings date
Q4 202519 Feb, 2026
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Frequently asked questions
Banco do Brasil S.A. is a Brazil-based financial institution offering banking, insurance, asset management, and investment services. The company serves individuals, businesses, and government entities through a network of branches and digital platforms. It is majority-owned by the Brazilian federal government. Banco do Brasil S.A. is headquartered in Brasília, Brazil, and its shares are listed on the B3.
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