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Banco do Estado do Rio Grande do Sul
Banco do Estado do Rio Grande do Sul (BRSR6) investor relations material
Banco do Estado do Rio Grande do Sul 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
Net income for 2025 reached BRL 1.6 billion, a 75.2% increase year-over-year, with ROE at 14.9%, reflecting robust profitability and successful portfolio restructuring.
Loan portfolio grew 4.8% year-over-year, mainly from company accounts, commercial, foreign exchange, and long-term financing.
Administrative expenses remained below inflation, aided by a collective bargaining agreement that shifted over 3,000 employees to six-hour shifts, improving cost structure.
Total assets grew 10.9% to BRL 163.5 billion, and equity rose 7.3% to BRL 11,178.4 million.
Significant digital transformation and new service models expanded the corporate and foreign exchange segments.
Financial highlights
Fourth quarter 2025 net income was BRL 656.9 million, up 131% year-over-year and 98% sequentially.
Net interest income grew 8.6% year-over-year to BRL 6.4 billion in 2025.
Total funding reached BRL 133.5 billion, a 15% year-over-year increase.
Efficiency ratio improved to 57.9% from 65.5% in 2024.
Earnings per share for 2025 were BRL 3.92, up 75.2% year-over-year.
Outlook and guidance
2026 guidance: loan portfolio growth of 3%-8%, net interest income growth of 8%-13%, cost of risk between 1.2%-2.2%, and administrative expenses 5%-9%.
Focus remains on expanding company and individual accounts, with limited growth in rural and real estate loans.
Emphasis on corporate segment expansion, risk management, and digital transformation.
ROE is expected to remain strong, though not necessarily at the 2025 level of 14.9%.
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Next Banco do Estado do Rio Grande do Sul earnings date
Q1 202614 May, 2026
Banco do Estado do Rio Grande do Sul
Next Banco do Estado do Rio Grande do Sul earnings date
Q1 202614 May, 2026
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