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Banco ABC Brasil
Banco ABC Brasil (ABCB4) investor relations material
Banco ABC Brasil Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Net income reached R$257 million in 3Q25, with ROE/ROAE at 15.5% and NIM at 4.4%, reflecting stable profitability year-over-year.
Recurring net income for 3Q25 was R$256.8 million, up 5.2% from 2Q25 and 0.7% year-over-year, driven by higher margins and increased equity remuneration, partially offset by higher provisions.
Recognized as the best Latin American bank by Excel/Extel and received the APIMEC Acidity Seal for transparency and governance.
Introduced new verticals for Agro and Real Estate to deepen industry expertise and client service.
Strong focus on ESG, talent development, and culture, with award-winning internship and training programs.
Financial highlights
Net profit for Q3 2025 was R$257 million, with net interest income at a record R$652 million, up 4.9% year-over-year.
ROE/ROAE reached 15.5%, and NIM was 4.4% p.a., both up sequentially.
Efficiency ratio increased to 38.8% in 3Q25, up 99 bps from 3Q24, with expenditures growing 3% year-over-year.
Service revenues declined 5.6% year-over-year to R$110.7 million.
Provision expenses increased 31.2% year-over-year to R$89.4 million.
Outlook and guidance
Portfolio growth guidance for 2025 revised down to 1–4% (from 7–12%), reflecting a focus on margin and quality.
Expense growth guidance lowered to 4–7% (from 6–11%).
Efficiency ratio guidance raised to 39–40% (from 36–38%).
Cautious approach to credit growth due to macroeconomic uncertainty and risk-return considerations.
How do new verticals enhance non-credit revenue?
How will high real interest rates impact default?
What is the rationale for revised portfolio growth?
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Record growth and profitability in Q4 and 2025, driven by RODA and strong order intake.
Next Banco ABC Brasil earnings date
Q4 20259 Feb, 2026
Banco ABC Brasil
Next Banco ABC Brasil earnings date
Q4 20259 Feb, 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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