BVMF:BNBR3 Income Statement

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

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	3,808	2,838	3,118	3,037	2,693	2,342
Interest Income on Investments	5,932	4,988	5,583	5,215	2,193	1,059
Total Interest Income	9,740	7,826	8,701	8,252	4,886	3,400
Interest Paid on Deposits	2,244	1,730	1,890	1,561	656.27	423.66
Interest Paid on Borrowings	470.97	805.78	304.98	422.42	336.85	1,251
Total Interest Expense	2,715	2,536	2,195	1,984	993.12	1,674
Net Interest Income	7,025	5,290	6,506	6,268	3,893	1,726
Net Interest Income Growth (YoY)	29.05%	-18.69%	3.79%	61.02%	125.50%	-35.86%
Other Non-Interest Income	2,944	6,783	4,421	4,078	4,486	5,614
Total Non-Interest Income	2,944	6,783	4,421	4,078	4,486	5,614
Non-Interest Income Growth (YoY)	-52.17%	53.43%	8.40%	-9.10%	-20.09%	12.59%
Revenues Before Loan Losses	9,969	12,073	10,927	10,346	8,379	7,340
Provision for Loan Losses	561.42	437.16	554.11	595.95	257.94	423.79
Revenue	9,408	11,636	10,373	9,750	8,121	6,917
Revenue Growth (YoY)	-15.67%	12.18%	6.38%	20.06%	17.42%	-4.99%
Salaries and Employee Benefits	3,408	3,168	2,815	2,613	2,389	2,238
Selling, General & Administrative	2,589	2,369	1,997	1,904	1,540	1,357
Other Non-Interest Expense	-1,530	1,818	1,766	1,671	1,316	1,616
Total Non-Interest Expense	4,463	7,325	6,565	6,173	5,226	5,179
EBT Excluding Unusual Items	4,945	4,311	3,808	3,577	2,896	1,738
Legal Settlements	-301.5	-299.17	-511.38	-374.85	-160.95	-216.35
Pretax Income	4,643	4,012	3,297	3,176	2,735	1,521
Income Tax Expense	1,821	1,669	1,198	1,160	1,116	502.18
Net Income	2,823	2,343	2,098	2,015	1,618	1,019
Net Income to Common	2,823	2,343	2,098	2,015	1,618	1,019
Net Income Growth	31.92%	11.64%	4.12%	24.52%	58.80%	-41.31%
Basic Shares Outstanding	99	99	86	86	86	86
Diluted Shares Outstanding	99	99	86	86	86	86
Shares Change (YoY)	3.24%	14.27%	-	-	-	-
EPS (Basic)	28.59	23.73	24.29	23.33	18.74	11.80
EPS (Diluted)	28.59	23.73	24.29	23.33	18.74	11.80
EPS Growth	27.78%	-2.30%	4.12%	24.52%	58.80%	-41.31%
Dividend Per Share	3.252	6.066	5.788	5.559	4.578	2.820
Dividend Growth	-62.19%	4.80%	4.12%	21.44%	62.35%	-41.58%
Effective Tax Rate	39.21%	41.61%	36.35%	36.54%	40.82%	33.01%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.