BVMF:BNBR3 Income Statement

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

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	4,098	4,024	2,838	3,118	3,037	2,693
Interest Income on Investments	6,452	6,276	4,988	5,583	5,215	2,193
Total Interest Income	10,550	10,299	7,826	8,701	8,252	4,886
Interest Paid on Deposits	2,599	2,421	1,730	1,890	1,561	656.27
Interest Paid on Borrowings	167.93	171.06	805.78	304.98	422.42	336.85
Total Interest Expense	2,767	2,592	2,536	2,195	1,984	993.12
Net Interest Income	7,783	7,707	5,290	6,506	6,268	3,893
Net Interest Income Growth (YoY)	37.23%	45.70%	-18.69%	3.79%	61.02%	125.50%
Other Non-Interest Income	6,447	6,300	6,783	4,421	4,078	4,486
Total Non-Interest Income	6,447	6,300	6,783	4,421	4,078	4,486
Non-Interest Income Growth (YoY)	13.59%	-7.12%	53.43%	8.40%	-9.10%	-20.09%
Revenues Before Loan Losses	14,231	14,008	12,073	10,927	10,346	8,379
Provision for Loan Losses	799.71	878.08	437.16	554.11	595.95	257.94
Revenue	13,431	13,129	11,636	10,373	9,750	8,121
Revenue Growth (YoY)	26.17%	12.84%	12.18%	6.38%	20.06%	17.42%
Salaries and Employee Benefits	3,530	3,468	3,168	2,815	2,613	2,389
Selling, General & Administrative	2,731	2,679	2,369	1,997	1,904	1,540
Other Non-Interest Expense	2,044	2,034	1,818	1,766	1,671	1,316
Total Non-Interest Expense	8,298	8,173	7,325	6,565	6,173	5,226
EBT Excluding Unusual Items	5,133	4,957	4,311	3,808	3,577	2,896
Legal Settlements	-355.9	-351.06	-299.17	-511.38	-374.85	-160.95
Pretax Income	4,777	4,606	4,012	3,297	3,176	2,735
Income Tax Expense	1,547	1,522	1,669	1,198	1,160	1,116
Net Income	3,230	3,084	2,343	2,098	2,015	1,618
Net Income to Common	3,230	3,084	2,343	2,098	2,015	1,618
Net Income Growth	47.97%	31.63%	11.64%	4.12%	24.52%	58.80%
Basic Shares Outstanding	99	99	99	86	86	86
Diluted Shares Outstanding	99	99	99	86	86	86
Shares Change (YoY)	-2.97%	-	14.27%	-	-	-
EPS (Basic)	32.71	31.24	23.73	24.29	23.33	18.74
EPS (Diluted)	32.71	31.24	23.73	24.29	23.33	18.74
EPS Growth	52.50%	31.63%	-2.30%	4.12%	24.52%	58.80%
Dividend Per Share	6.873	6.873	6.066	5.788	5.559	4.578
Dividend Growth	13.30%	13.30%	4.80%	4.12%	21.44%	62.35%
Effective Tax Rate	32.38%	33.05%	41.61%	36.35%	36.54%	40.82%