BB net profit drops 60% and reaches $ 3.8 billion in the 2nd quarter

(Banco do Brasil), the main financial institution of Brazil, registered adjusted net income R $ 3.8 billion in the 2nd quarter of 2025. The number represents a It remains 60% compared to the same period of 2024, when it was R $ 9.5 billion.

Adjusted net profit reflects the company’s net gain, without considering the profit reserves of the period. The BB released the financial balance this Thursday (14.ago.2025). Read A (PDF – 240 KB).

In the 2nd quarter of 2025, the MFB (gross financial margin) totaled R $ 25.1 billion, with a 4.9% growth over the 1st quarter, but a 1.9% retraction compared to the previous year.

BB’s credit portfolio reached R $ 1.3 trillion at the end of June – a 11.2% increase over last year. Total default rose to 4.21%, compared to 3% in the same month of 2024, one of the factors that most affected performance.

The increase in credit loss provision was one of the main reasons for the negative result, totaling R $ 15.9 billion in the 2nd quarter of 2025, with a 104% increase in 2024.

The result reflects the highest default and the application of the BC (Central Bank), which requires banks to reserve values corresponding to what they expect not to receive back – and not just what is already in delay.

The expected loss flow included R $ 7.9 billion in agribusiness, R $ 4.8 billion in individuals and R $ 4.3 billion in legal entities. At Agro, which represents 33.8% of the expanded credit portfolio, default over 90 days reached 3.49%. Among individuals, it is 5.59%.

News for customers

Adding to financial education solutions, in May 2025, the bank launched Cofrinho BB, a tool focused on the formation of financial reserve for individuals.

Through the BB app, it is possible to create goals, track financial evolution and customize each goal simply, intuitively and safely.

Coffee BB has over 90,000 customers, with 65% of them young investors. The invested volume is about R $ 145 million.