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Banco do Brasil
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, with a positive outlook for 2025 and structured solutions for credit risk, especially in agribusiness.
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 over R$1.29 trillion 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 due to higher provisions, especially in agribusiness.
Net interest income for 9M25 was R$75.3 billion, a 2.4% decrease year-over-year.
Administrative expenses increased 5.4% year-over-year to R$29.0 billion for 9M25.
Cost of credit rose sharply, up 66.4% year-over-year to R$44.0 billion for 9M25.
Principal capital ratio (CET1) stands at 11.16% as of Sep/25.
Outlook and guidance
Management expects an inflection in agribusiness delinquencies by Q1 2026, with lower provisions anticipated for 2026.
Loan portfolio growth guidance for 2025 is 3.0%–10%, with individuals at 7.9%, companies at 11.6%, and agribusiness at 3.2%.
Net interest income guidance for 2025 is R$102–105 billion.
Adjusted net income guidance for 2025 is R$18–21 billion.
Lower tax rates are expected to persist due to high provisions and deferred tax assets.
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 202512 Feb, 2026
Banco do Brasil
Next Banco do Brasil earnings date
Q4 202512 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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