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Banco ABC Brasil
Banco ABC Brasil (ABCB4) investor relations material
Banco ABC Brasil Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary9 Feb, 2026
Executive summary
Net income reached R$1.0 billion in 2025, up 3.2% year-over-year, with ROAE at 15.2% and 16.3% in Q4, maintaining above 15% for the fourth consecutive year.
Expanded credit portfolio grew 3.0% year-over-year to R$54.7 billion, in line with revised guidance, with disciplined credit granting amid high interest rates.
Net interest income rose 6.8% year-over-year to R$2.54 billion, with NIM stable at 4.3% for the year and a recovery trend in the second half.
All 2025 guidance targets were met, with strong credit quality and disciplined expense control.
Financial highlights
Efficiency ratio closed at 39.2% for 2025, within or below guidance, and improved to 37.9% in Q4.
Service revenues declined 4.6% year-over-year to R$452.1 million, but Q4 service revenues rose 13.8% quarter-over-quarter.
Personnel and administrative expenses increased 5.6% year-over-year.
Dividend yield annualized at 11.6% in 2025.
Market capitalization at year-end was R$5.7 billion, up 23.2% year-over-year.
Outlook and guidance
2026 guidance: total credit portfolio growth of 6–10%, middle segment 12–18%, expenses growth 4–8%, efficiency ratio 37.5–39.5%.
NIM expected to expand gradually, driven by a higher share of middle segment and product mix.
Asset quality expected to remain healthy, with default rates around 0.7% barring significant macro changes.
Guidance for 2026 is subject to market risks and management assumptions.
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Next Banco ABC Brasil earnings date
Q1 20267 May, 2026
Banco ABC Brasil
Next Banco ABC Brasil earnings date
Q1 20267 May, 2026
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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.
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