Banco do Estado do Rio Grande do Sul SA
BOVESPA:BRSR6
Banco do Estado do Rio Grande do Sul SA
Banco do Estado do Rio Grande do Sul SA engages in the provision of financial and banking services. The company is headquartered in Porto Alegre, Rio Grande Do Sul and currently employs 8,658 full-time employees. Banrisul offers a range of financial products and services, such as personal and real estate loans, debit and credit cards, securities brokerage, portfolio management, car and equipment leasing, investment services, international trade support, life and property insurances, among others.
Banco do Estado do Rio Grande do Sul SA engages in the provision of financial and banking services. The company is headquartered in Porto Alegre, Rio Grande Do Sul and currently employs 8,658 full-time employees. Banrisul offers a range of financial products and services, such as personal and real estate loans, debit and credit cards, securities brokerage, portfolio management, car and equipment leasing, investment services, international trade support, life and property insurances, among others.
Net Income: Banrisul reported net income of BRL 1.6 billion for 2025, a substantial rise from BRL 916 million in 2024.
ROE Performance: Return on equity (ROE) reached 14.9% for the year, up from 9.1% in 2024, consolidating well above double digits.
Loan Portfolio: The total loan portfolio grew 4.8% year-on-year to BRL 65.1 billion, slightly below guidance but with a more profitable mix.
Funding Growth: Total funding climbed 15.4% year-on-year to BRL 112.4 billion.
Delinquency & Risk: Delinquency rate finished at 4.2% due to regulatory changes but is expected to stabilize; cost of risk increased to 1.6%.
Guidance 2026: Banrisul guides for 3–8% loan growth, 8–13% net interest income growth, and cost of risk between 1.2% and 2.2% for 2026.
Branch Strategy: The bank will keep branches open but shift focus toward business and digital models, aiming for improved efficiency.
Rural & Real Estate Lending: These portfolios are set to stay flat due to funding and risk considerations, with emphasis shifting to more profitable lines.
