Agibank posts net income of BRL 651.7 million in 1H25, with ROAE of 43.9% and 57.5% growth in loan portfolio

SÃO PAULO, Aug. 27, 2025 /PRNewswire/ -- Agibank, a digital bank that operates a unique business model through a hybrid platform that combines the efficiency and scalability of digital channels with the reach and personal touch of a physical presence, closed the first half of 2025 with solid growth and consistent financial and operating indicators.

Net income reached BRL 651.7 million, up 47.9% compared to the same period in 2024, driven by a 57.5% increase in the loan portfolio, which totaled BRL 30.1 billion.

Return on average equity (ROAE) was 43.9% over the last twelve months, supported by quality growth and efficiency gains.

The active customer base reached 5.6 million, an increase of 74.0% over twelve months, with an NPS of 73 points.

All loan origination was carried out through proprietary channels, a strategy that strengthens primacy and keeps delinquency under control — loans past due over 90 days ended June at 2.8%, with a coverage ratio at a comfortable level.

The bank increased its share in the payroll loan market, reaching 7.9% of outstanding operations, an increase of 260 basis points compared to the same period last year.

On the funding side, the bank completed strategic transactions: BRL 2 billion raised through its first FIDC, which had demand three times higher than supply and received an AAA.br rating, and BRL 4 billion in securitized debentures distributed to the market and through private placement.

The efficiency ratio stood at 40.9%, an improvement of 5.0 p.p. compared to 1H24, reflecting scale gains and disciplined cost control.

The Basel ratio closed the half at 15.0%, with CET1 at 13.4%, both above regulatory requirements, after prudential adjustments and regulatory changes provided for in CMN Resolution No. 4,966.

"The half-year results reinforce that our hybrid model, supported by proprietary data and technology, can deliver rapid and profitable growth while maintaining close relationships with customers and portfolio quality," said Glauber Corrêa, CEO of Agibank.

"We are positioned to capture even more value in the secured lending market, which remains underserved by both traditional banks and digital-only players," he added.

According to Marcello Dubeux, CFO and Head of Investor Relations, "Agibank combined proprietary origination, conservative risk management, and competitive funding to deliver consistent results, even in a still challenging macroeconomic environment."

"We continue to enhance efficiency and diversify revenues, which gives us confidence to sustain this pace and create long-term value for our shareholders," he concluded.

With solid fundamentals and a well-defined growth strategy, Agibank begins the second half of 2025 prepared to move forward consistently, expanding its presence in the segments where it operates and maintaining its focus on sustainable results.

About Agibank

Agibank strives to deliver a banking experience that welcomes and empowers all Brazilians through a unique business model designed to serve a population that represents the majority of the country, whose needs remain largely ignored by both large banks and digital-only players. We filled this market gap by serving with quality and dignity customers who often feel invisible. Our hybrid model combines the best of both worlds: a complete, agile, and easy-to-use digital bank with physical locations that provide an accessible and welcoming in-person experience. We develop tailored solutions and a simple, inclusive journey for customers who are not digital natives, ensuring a significant competitive advantage. This approach allows us to attract more customers, build long-term relationships, and strengthen our path of sustainable growth.

SOURCE Agibank