Banco do Brasil SA BB Brasil (BSP:BBAS13)

Q2 2025 Banco do Brasil SA Earnings Call (English, Portuguese) Transcript

Aug 15, 2025 / 12:00 PM GMT

Release Date Price: R$53.73

Transcript

Key Points

Positve

Banco do Brasil SA BB Brasil (BDORY) reported a strong adjusted net income of BRL11.2 million in the first quarter, indicating robust financial performance.
The bank's fee income increased by 4.7% compared to the first quarter, showcasing diverse revenue streams supported by its conglomerate companies.
The expanded loan portfolio grew significantly, reflecting strong growth in secure lines, particularly for individuals and worker loans.
Banco do Brasil SA BB Brasil (BDORY) maintains a strong and robust balance sheet with a CET1 ratio of 10.97%, indicating adequate capital levels.
The bank is actively leveraging innovation and artificial intelligence to enhance credit journeys and improve customer experience, preparing for sustainable growth in the coming years.

Negative

The cost of credit increased by 56% compared to the first quarter, driven by agro delinquency and pressure from micro and SMEs.
The bank experienced a significant increase in delinquency rates, particularly in the agribusiness sector, reaching unprecedented levels in its history.
The need for increased provisions due to Resolution 4,966 has put pressure on the bank's results, impacting profitability.
The bank's guidance for 2025 reflects a challenging year of adjustments, with expectations of lower profitability compared to previous years.
The agribusiness portfolio faces challenges due to adverse weather events and high leverage, leading to increased delinquency and provisions.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BBAS3.SA - Banco do Brasil SA
Q2 2025 Banco do Brasil SA Earnings Call (English, Portuguese)
Aug 15, 2025 / 12:00PM GMT

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Presentation
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Mongiados, everyone, and thank you for joining us in another live streaming session on the results of Branco do Brazil. Our event will be in Portuguese with simultaneous translation into English. You can choose three audio options original English or Portuguese. And to talk about the members of this 2nd quarter, we have here with us our CEO Taciana Medeiros, our CFO Jovannito BDS, and our Cyril Philippe Prince. Now to start the presentation, I would like to turn the floor to our Theo Tarciena.

Good morning. Good morning, everyone.

Good morning to everyone who is joining us today for this live streaming on could do Brazil's results. This is the 10th 1 that we have together, but this one is quite

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