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BB Seguridade Participações (BBSE3) investor relations material
BB Seguridade Participações Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Recurring managerial net income reached BRL 2.6 billion in Q3 2025, up 13.1% year-over-year, and BRL 6.8 billion year-to-date, a 13.7% increase, driven by strong financial results and higher volumes, especially in Brasilprev.
Net investment income surged 55.1% in Q3 2025 and 54.9% in 9M25 year-over-year, mainly due to higher Selic rates and reduced liability costs.
Customer-centric strategies led to a 24% reduction in complaints, a 7% improvement in churn, and a 5.1-point increase in NPS.
New credit line insurance for SMEs and private payroll loans contributed BRL 294 million and BRL 160 million in premiums, respectively.
Financial highlights
Net investment income for Q3 2025 was BRL 714 million, up 55% year-over-year; 9M25 was BRL 1,497 million, up 55%.
Operating income after taxes increased 2.4% year-over-year in Q3 2025 and 5.7% year-to-date.
Premiums written in insurance dropped 15% year-over-year in Q3 2025, mainly due to rural insurance performance.
Pension contributions fell 19% year-over-year, impacted by IOF tax changes, but reserves grew 9% in 9M25.
Brokerage revenues increased 4% year-over-year in Q3 2025, with net income up 9%.
Outlook and guidance
Non-interest operating result (ex-holding) delivered 5.9% growth year-to-date, above guidance, expected to converge in Q4.
Written premiums at Brasilseg fell 7.9% in the first nine months, below guidance due to rural insurance.
Pension plan reserves grew 9% in the nine months ended September, at the lower end of guidance.
For 2026, expect low growth in earned premiums and a reduction in investment income due to lower Selic rates and less favorable inflation indices.
No expectation of stability or profit growth in 2026; a small decline is anticipated.
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Next BB Seguridade Participações earnings date
Q4 202510 Feb, 2026
Next BB Seguridade Participações earnings date
Q4 202510 Feb, 2026
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