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Banco do Brasil
Banco do Brasil (BBAS3) investor relations material
Banco do Brasil Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary12 Feb, 2026
Executive summary
Adjusted net income for 2025 was R$20.7 billion, down 45.4% year-over-year, but 4Q25 saw a 51.7% sequential increase to R$5.7 billion.
Distributed R$33.4 billion in dividends and IOC from 2023 to 2025, reflecting a strong commitment to shareholder returns.
Achieved a 30% expansion in both the loan portfolio and margin with clients from 2023 to 2025.
Maintained high customer satisfaction, with a historical record NPS in 2025 and 14 consecutive quarters as a top performer in BACEN's complaint ranking.
Financial highlights
Net interest income for 2025 was R$103.1 billion, up 5.4% quarter-over-quarter in 4Q25, with a 0.8% decrease year-over-year.
Administrative expenses grew 5.1% year-over-year, closing at the lower end of guidance.
CET1 ratio stood at 12.23% at year-end 2025; Basel Index at 15.13%.
Payout ratio revised to 30% in 2025; dividends and IOC for 2025 totaled R$5.2 billion.
Earnings per share for 2025 were R$3.18, down 48.5% year-over-year.
Outlook and guidance
2026 guidance: loan portfolio growth between 0.5% and 4.5%, net interest income up 4%-8%, cost of credit between R$53 and R$58 billion, and adjusted net income between R$22 and R$26 billion.
Individual loans expected to grow 6%-10%, companies -3% to 1%, agribusiness -2% to 2%, and sustainable portfolio 2%-6% in 2026.
Administrative expenses projected to grow 5%-9% in 2026.
Focus on disciplined execution, digital transformation, and sustainability as value drivers.
Agribusiness NPL: What is the 2026 outlook?
How will the loan portfolio mix evolve in 2026?
What factors will drive 2026 NII growth?
Agribusiness renegotiated credit: 2027 risk?
Net capital impact from regulatory changes?
Digital strategy: quantify efficiency gains?
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Next Banco do Brasil earnings date
Q1 202614 May, 2026
Banco do Brasil
Next Banco do Brasil earnings date
Q1 202614 May, 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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