B

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Price: 12.75 BRL 0.31% Market Closed

Market Cap: R$7.8B

Income Statement

Net Interest Income

Non Interest Income

Currency: BRL

		Sep-2007	Dec-2007	Mar-2008	Jun-2008	Sep-2008	Dec-2008	Mar-2009	Jun-2009	Sep-2009	Dec-2009	Mar-2010	Jun-2010	Sep-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023
Revenue
Net Interest Income		1 618	1 764	1 895	1 891	1 972	1 777	1 850	1 906	1 818	2 237	2 331	2 476	2 572	2 066	1 825	1 705	2 176	1 788	1 777	1 768	2 026	2 497	2 720	3 056	2 952	2 729	2 885	2 507	2 652	2 372	2 873	3 019	2 983	3 753	3 700	4 296	4 918	5 293	5 529	5 854	5 662	5 497	5 089	4 875	5 066	4 891	5 434	5 608	6 062	5 880	6 465	6 804	7 216	7 637	7 651	7 946	7 714	8 339	8 386	8 945	9 191	9 649
Interest Income		2 163	2 371	2 475	2 516	2 759	2 748	2 941	3 056	2 915	3 190	3 294	3 483	3 520	2 734	2 318	2 656	5 210	3 077	3 369	3 058	5 052	3 822	4 134	4 498	4 471	4 443	4 515	4 503	4 947	5 449	6 055	6 724	6 782	6 955	6 829	6 992	7 389	7 876	8 361	8 359	8 068	7 630	7 134	6 967	7 085	7 038	7 513	7 824	8 287	8 576	9 052	9 022	9 445	9 097	9 187	9 662	9 822	11 142	12 058	13 329	13 989	15 028
Interest Expense		545	606	580	625	787	971	1 090	1 150	1 097	953	964	1 007	949	667	494	951	3 035	1 289	1 592	1 290	3 026	1 326	1 415	1 441	1 519	1 715	1 630	1 996	2 294	3 076	3 182	3 704	3 799	3 203	3 130	2 695	2 471	2 583	2 832	2 504	2 405	2 133	2 045	2 093	2 019	2 148	2 079	2 216	2 225	2 696	2 587	2 218	2 230	1 459	1 536	1 715	2 108	2 802	3 672	4 383	4 798	5 379
Non Interest Income		74	63	61	77	72	128	35	37	52	153	54	(58)	(100)	(65)	(25)	58	821	3	18	190	854	400	792	815	957	1 054	862	991	1 335	1 961	1 953	2 269	1 666	1 437	1 447	966	735	717	769	702	885	935	1 112	1 217	739	1 155	946	874	471	990	909	880	708	883	978	1 313	1 469	1 263	1 569	1 372	1 380	1 715
Revenue		1 692 N/A	1 827 +8%	1 956 +7%	1 968 +1%	2 045 +4%	1 905 -7%	1 886 -1%	1 943 +3%	1 871 -4%	2 390 +28%	2 384 0%	2 418 +1%	2 472 +2%	2 002 -19%	1 800 -10%	1 763 -2%	2 997 +70%	1 791 -40%	1 795 +0%	1 958 +9%	2 880 +47%	2 896 +1%	3 512 +21%	3 871 +10%	3 909 +1%	3 783 -3%	3 747 -1%	3 498 -7%	3 987 +14%	4 334 +9%	4 826 +11%	5 288 +10%	4 649 -12%	5 189 +12%	5 147 -1%	5 263 +2%	5 652 +7%	6 010 +6%	6 298 +5%	6 557 +4%	6 547 0%	6 433 -2%	6 201 -4%	6 091 -2%	5 805 -5%	6 046 +4%	6 380 +6%	6 481 +2%	6 533 +1%	6 870 +5%	7 374 +7%	7 684 +4%	7 924 +3%	8 520 +8%	8 629 +1%	9 260 +7%	9 183 -1%	9 602 +5%	9 955 +4%	10 317 +4%	10 571 +2%	11 364 +8%
Pre-Tax Income
Loan Loss Provision		(384)	(405)	(437)	(452)	(512)	(542)	(653)	(743)	(665)	(730)	(659)	(702)	(870)	(756)	(733)	(961)	(1 169)	(1 325)	(1 539)	(1 505)	(1 451)	(1 515)	(1 300)	(1 098)	(1 005)	(933)	(959)	(963)	(954)	(970)	(992)	(1 085)	(1 025)	(1 069)	(1 066)	(990)	(1 118)	(1 151)	(1 126)	(1 156)	(1 120)	(1 086)	(1 149)	(1 133)	(1 140)	(1 122)	(1 154)	(1 200)	(1 563)	(1 609)	(1 682)	(1 742)	(1 432)	(1 424)	(1 397)	(1 586)	(1 789)	(2 070)	(2 247)	(2 244)	(2 358)	(2 300)
Non Interest Expense		(1 157)	(1 245)	(1 253)	(1 234)	(1 269)	(1 264)	(1 117)	(1 107)	(1 123)	(1 403)	(1 464)	(1 492)	(1 525)	(1 217)	(1 155)	(1 101)	(2 150)	(1 217)	(1 305)	(1 554)	(2 078)	(2 090)	(2 476)	(2 733)	(3 021)	(3 158)	(3 218)	(3 060)	(3 074)	(3 392)	(3 736)	(4 174)	(3 823)	(4 368)	(4 563)	(4 619)	(4 984)	(5 118)	(5 127)	(5 275)	(5 174)	(4 998)	(4 683)	(4 509)	(4 208)	(4 457)	(4 696)	(4 666)	(4 614)	(4 823)	(5 211)	(5 389)	(5 555)	(6 088)	(6 158)	(6 579)	(6 285)	(6 455)	(6 695)	(7 136)	(7 345)	(8 241)
Pre-Tax Income		151 N/A	178 +18%	266 +50%	282 +6%	264 -7%	99 -63%	116 +18%	93 -20%	83 -11%	257 +211%	261 +2%	224 -14%	77 -66%	29 -63%	(88) N/A	(299) -241%	(322) -8%	(751) -133%	(1 050) -40%	(1 101) -5%	(649) +41%	(709) -9%	(264) +63%	40 N/A	(117) N/A	(308) -164%	(430) -40%	(525) -22%	(40) +92%	(28) +30%	99 N/A	30 -70%	(199) N/A	(248) -25%	(482) -95%	(346) +28%	(450) -30%	(258) +43%	46 N/A	126 +176%	253 +102%	349 +38%	369 +6%	449 +22%	457 +2%	467 +2%	530 +14%	615 +16%	356 -42%	439 +23%	482 +10%	553 +15%	938 +70%	1 008 +8%	1 074 +7%	1 095 +2%	1 110 +1%	1 078 -3%	1 013 -6%	937 -8%	869 -7%	823 -5%
Net Income
Tax Provision		(39)	(47)	(79)	(72)	(66)	(3)	(18)	(20)	(24)	(82)	(84)	(73)	(16)	(8)	95	352	553	744	807	657	284	317	147	21	(35)	39	78	123	48	41	(12)	171	207	233	336	143	213	121	(12)	32	(41)	(83)	(104)	(247)	(235)	(206)	(194)	(194)	160	151	135	99	(282)	(333)	(341)	(340)	(335)	(298)	(267)	(211)	(161)	(138)
Income from Continuing Operations		112	131	188	210	198	96	98	73	59	174	178	151	61	21	7	54	231	(6)	(243)	(444)	(365)	(392)	(117)	60	(152)	(269)	(352)	(402)	8	13	87	201	8	(15)	(147)	(204)	(237)	(138)	34	158	213	266	265	203	222	261	337	422	516	591	617	652	656	675	734	755	775	780	746	726	708	685
Income to Minority Interest		(2)	(1)	(2)	(1)	1	(0)	(0)	(0)	(0)	(0)	(0)	0	0	0	(0)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(0)	(2)	(2)
Net Income (Common)		110 N/A	130 +18%	186 +43%	209 +13%	199 -5%	96 -52%	98 +2%	72 -26%	58 -20%	174 +199%	178 +2%	151 -15%	61 -60%	21 -66%	7 -67%	54 +687%	231 +332%	(6) N/A	(243) -3 823%	(444) -83%	(365) +18%	(392) -8%	(117) +70%	60 N/A	(152) N/A	(269) -78%	(352) -31%	(402) -14%	8 N/A	13 +65%	87 +574%	201 +131%	8 -96%	(15) N/A	(147) -910%	(204) -39%	(237) -16%	(138) +42%	34 N/A	158 +369%	213 +35%	266 +25%	265 0%	203 -23%	222 +9%	261 +18%	337 +29%	422 +25%	516 +22%	591 +14%	617 +4%	652 +6%	656 +1%	675 +3%	734 +9%	755 +3%	775 +3%	780 +1%	746 -4%	726 -3%	706 -3%	683 -3%
EPS (Diluted)		0.41 N/A	0.5 +22%	0.71 +42%	0.8 +13%	0.77 -4%	0.38 -51%	0.37 -3%	0.27 -27%	0.22 -19%	0.69 +214%	0.71 +3%	0.6 -15%	0.25 -58%	0.09 -64%	0.04 -56%	0.22 +450%	0.94 +327%	-0.02 N/A	-0.45 -2 150%	-0.53 -18%	-0.68 -28%	-0.72 -6%	-0.21 +71%	0.1 N/A	-0.28 N/A	-1.1 -293%	-0.65 +41%	-0.43 +34%	0.02 N/A	0.03 +50%	0.22 +633%	0.5 +127%	0.02 -96%	-0.03 N/A	-0.37 -1 133%	-0.51 -38%	-0.26 +49%	-0.35 -35%	0.03 N/A	0.18 +500%	0.23 +28%	0.29 +26%	0.23 -21%	0.17 -26%	0.19 +12%	0.22 +16%	0.28 +27%	0.31 +11%	0.43 +39%	0.48 +12%	0.5 +4%	0.54 +8%	0.54 N/A	0.56 +4%	0.61 +9%	0.63 +3%	0.64 +2%	0.59 -8%	0.61 +3%	0.58 -5%	0.56 -3%	0.54 -4%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

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