Banco ABC Brasil SA
BOVESPA:ABCB4
Banco ABC Brasil SA
Banco ABC Brasil SA engages in the provision of commercial banking specializes in lending and services for midsized to large companies. The company is headquartered in Sao Paulo, Sao Paulo. The company went IPO on 2007-07-25. Its commercial activities focuses on managing loans and other credit operations, deposit services and checking accounts to large and medium-sized corporate and institutional customers. In addition, the Bank is responsible for promoting capital market operations and other banking services. The Bank's financial products and services portfolio includes foreign and local currency loans, various types of guarantees, international trade financing, derivative operations, investments financing, as well as mergers and acquisitions (M&A) advisory, among others. The Bank operates through a network of branches in Brazil and abroad through an overseas branch located in Cayman Islands. Its subsidiaries include ABC Brasil Administracao e Participacoes Ltda and ABC Brasil Distribuidora de Titulos e Valores Mobiliarios SA. The Bank is indirectly controlled by Arab Banking Corporation BSC.
Banco ABC Brasil SA engages in the provision of commercial banking specializes in lending and services for midsized to large companies. The company is headquartered in Sao Paulo, Sao Paulo. The company went IPO on 2007-07-25. Its commercial activities focuses on managing loans and other credit operations, deposit services and checking accounts to large and medium-sized corporate and institutional customers. In addition, the Bank is responsible for promoting capital market operations and other banking services. The Bank's financial products and services portfolio includes foreign and local currency loans, various types of guarantees, international trade financing, derivative operations, investments financing, as well as mergers and acquisitions (M&A) advisory, among others. The Bank operates through a network of branches in Brazil and abroad through an overseas branch located in Cayman Islands. Its subsidiaries include ABC Brasil Administracao e Participacoes Ltda and ABC Brasil Distribuidora de Titulos e Valores Mobiliarios SA. The Bank is indirectly controlled by Arab Banking Corporation BSC.
Record Net Income: Banco ABC Brasil reported net income of BRL 1 billion for 2025, entering a select group of Brazilian companies with this result.
ROAE Performance: Return on average equity (ROAE) remained above 15% for the fourth consecutive year, ending 2025 at 15.2% and 16.3% in the fourth quarter.
NIM Recovery: Net interest margin (NIM) finished at 4.3% for the year, recovering quarter by quarter and reaching 4.7% in Q4.
Conservative Credit Growth: The credit portfolio grew 3% to BRL 54.7 billion, below internal expectations due to a disciplined approach to credit granting amid a challenging environment.
Expense Control: Operating expenses grew 5.6%, in line with guidance, contributing to an efficiency ratio of 39.2%, also within guidance.
Strong Coverage & Asset Quality: Coverage ratios remained high, with provisions at 0.9% and past due over 90 days at a low 0.5%.
2026 Guidance: The bank projects expanded credit portfolio growth of 6% to 10%, with Middle segment growth targeted at 12% to 18%. Efficiency ratio is guided to improve to 37.5%–39.5%.
