Q3 2025 Banco do Brasil SA Earnings Call (English, Portuguese) Transcript

Nov 13, 2025 / 12:00 PM GMT

Release Date Price: R$22.5 (-1.32%)

Transcript

Key Points

Positve

Banco do Brasil SA BB Brasil (BDORY) is leveraging artificial intelligence and modeling to assess the needs of farmers, aiming for sustainable long-term solutions.
The company has a strong focus on risk management and credit management, ensuring a conservative approach to financial operations.
There is significant growth potential in the natural personal portfolio, driven by minimum wage adjustments and increased availability.
Banco do Brasil SA BB Brasil (BDORY) is investing in new technologies to identify risks in agribusiness proactively, enhancing productivity management.
The company plans to continue engaging with international markets, particularly in the senior bond segment, to maintain its global presence.

Negative

The agribusiness sector is experiencing high default rates, with a historical high of 5.3%, indicating significant challenges.
There is a need for structural changes in the agribusiness segment to ensure predictability and sustainability in future cycles.
The company's tax rate was significantly low due to increased provision charges, impacting profitability.
Banco do Brasil SA BB Brasil (BDORY) faces challenges in renegotiating problematic loans, particularly those in judicial recovery.
The company anticipates continued high provision charges related to economic plans, affecting financial stability.

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

BBAS3.SA - Banco do Brasil SA
Q3 2025 Banco do Brasil SA Earnings Call (English, Portuguese)
Nov 13, 2025 / 12:00PM GMT

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Conference Call Participants
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* JanaÃna Storti
* Marco Geovanne da Silva
* Pedro Leduc
* Carlos Gomez-Lopez
* Gustavo Schroden
* Gilson Bittencourt
* Editor

=====================
Presentation
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Unidentified Participant [1]
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(interpreted) Thank you for the partnership. I would like to understand 13, 14 and the first quarter. I would like to know about the average payment term considering that because that has to be adequated and negotiation is key, but what is the measurement considering that because we need to increase this to 25 or 10 years. I would like to understand to what extent is this going to be taken? If you could please just talk me through this.

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