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Banco do Estado do Rio Grande do Sul (BRSR6) investor relations material
Banco do Estado do Rio Grande do Sul Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Net income for the first nine months of 2025 reached BRL 948 million, up 50% year-over-year, with Q3 net income up 66.7% compared to Q3 2024, driven by higher financial margin, service income, and digital expansion.
Opened 215,000 new digital accounts, nearing 300,000 by end of November, reflecting strong digitalization efforts.
Integrated Vero Network and launched Conta Única, expanding retail presence and product mix.
Focused on productivity gains, digital transformation, and cost containment.
Equity rose 6.0% to BRL 10.88 billion, reflecting retained earnings, dividend payments, and actuarial adjustments.
Financial highlights
Q3 2025 net income: BRL 377 million, up from BRL 328.8 million in Q3 2024.
Net interest income for Q3: BRL 1.6 billion, up 11% year-over-year, but down 2.1% sequentially.
Loan portfolio as of September 2025 stood at BRL 64.1 billion, up 11.1% year-over-year and 0.1% quarter-over-quarter.
Funding reached BRL 107.2 billion as of September 2025, up 14.6% year-over-year and 3.0% quarter-over-quarter.
Administrative expenses increased 3.4% in nine months, with Q3 at BRL 1.2 billion, up 1.0% year-over-year.
Outlook and guidance
Strategy remains focused on receivables, cash flow, and small business lending, with plans to grow payroll portfolio as market stabilizes.
Expects to benefit from potential SELIC rate decreases, improving spreads.
Conservative approach to unsecured lending, prioritizing collateralized operations.
2025 guidance: loan portfolio growth of 6–10%, financial margin up 7–12%, credit cost at 1.2–2.2%, and administrative expenses up 7–11%.
Emphasis on cost control and efficiency improvements in administrative expenses.
What factors explain the credit risk increase?
Impact of Banripontos partnership on services
Future impact of new tax laws on credit losses
Payroll loan profitability given market changes?
Corporate loan growth strategy for SMEs?
NII benefit from Selic rate drop, given balance?
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Next Banco do Estado do Rio Grande do Sul earnings date
Q4 202512 Feb, 2026
Next Banco do Estado do Rio Grande do Sul earnings date
Q4 202512 Feb, 2026
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