BVMF:BGIP4 Income Statement

Financials in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	933.57	816.09	742.04	624.92	558.53
Interest Income on Investments	942.95	496.61	468.52	436.67	161.06
Total Interest Income	1,877	1,313	1,211	1,062	719.59
Interest Paid on Deposits	1,101	620.25	621.62	539.22	197.39
Interest Paid on Borrowings	23.37	17.49	16.02	10.65	11.94
Total Interest Expense	1,125	637.74	637.64	549.87	209.34
Net Interest Income	751.67	674.96	572.92	511.72	510.25
Net Interest Income Growth (YoY)	11.37%	17.81%	11.96%	0.29%	-3.00%
Gain (Loss) on Sale of Assets	-5.66	-10.86	-9.4	-6.18	-5.92
Gain (Loss) on Sale of Investments	-	-0.12	0.5	-0.7	-0.04
Other Non-Interest Income	241.42	239.74	215.12	227.9	230.62
Total Non-Interest Income	235.76	228.76	206.22	221.01	224.66
Non-Interest Income Growth (YoY)	3.06%	10.93%	-6.69%	-1.63%	7.03%
Revenues Before Loan Losses	987.44	903.72	779.14	732.73	734.91
Provision for Loan Losses	260.05	235.21	229.85	232.27	122
Revenue	727.39	668.51	549.3	500.46	612.91
Revenue Growth (YoY)	8.81%	21.70%	9.76%	-18.35%	-5.75%
Salaries and Employee Benefits	301.41	291.07	256.25	244.02	228.37
Selling, General & Administrative	287.06	276.07	281.71	286.24	267.79
Other Non-Interest Expense	-92.93	-152.09	-104.7	-123.62	-73.49
Total Non-Interest Expense	495.53	415.06	433.25	406.64	422.66
EBT Excluding Unusual Items	231.86	253.45	116.05	93.82	190.25
Legal Settlements	-30.46	-63.64	-98.27	-40.73	-50.33
Pretax Income	201.39	189.82	17.78	53.09	139.92
Income Tax Expense	57.09	40.67	-19.61	-15.75	52.6
Earnings From Continuing Operations	144.3	149.15	37.38	68.84	87.32
Minority Interest in Earnings	7.17	-2.44	10.09	6.68	-3.59
Net Income	151.47	146.7	47.47	75.51	83.74
Net Income to Common	151.47	146.7	47.47	75.51	83.74
Net Income Growth	3.25%	209.04%	-37.14%	-9.83%	71.23%
Basic Shares Outstanding	22	20	18	15	15
Diluted Shares Outstanding	22	20	18	15	15
Shares Change (YoY)	10.38%	9.72%	16.41%	-	-
EPS (Basic)	7.03	7.51	2.67	4.94	5.48
EPS (Diluted)	7.03	7.51	2.67	4.94	5.48
EPS Growth	-6.46%	181.67%	-46.00%	-9.83%	71.23%
Effective Tax Rate	28.35%	21.43%	-	-	37.59%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.