Cash flow Banco ABC Brasil S.A.

Equities

ABCB4

BRABCBACNPR4

Banks

Market Closed - Sao Paulo Other stock markets 04:07:55 2026-05-08 pm EDT			5-day change	1st Jan Change
24.31 ^BRL	+0.87%		-2.99%	+2.57%

May. 08	Banco ABC Brasil S.A., Q1 2026 Earnings Call, May 08, 2026
May. 07	Banco ABC Brasil S.A. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

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Published financial data: BANCO ABC BRASIL S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	2.25B	2.45B	2.68B	5.03B	3.31B
Interest Income On Investments	1.31B	1.63B	2.82B	3.17B	4.05B
Interest Income, Total	3.56B	4.08B	5.49B	8.2B	7.35B
Interest On Deposits	1.15B	2.98B	3.7B	4.28B	4.86B
Total Interest On Borrowings	1.8B	-602M	57.96M	4.08B	641M
Interest Expense, Total	2.95B	2.38B	3.76B	8.36B	5.5B
Net Interest Income	605M	1.7B	1.73B	-162M	1.85B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-204K	-
Total Other Non Interest Income	931M	501M	519M	2.6B	920M
Non Interest Income, Total	931M	501M	519M	2.6B	920M
Revenues Before Provison For Loan Losses	1.54B	2.21B	2.25B	2.44B	2.77B
Provision For Loan Losses	159M	230M	325M	193M	414M
Total Revenues	1.38B	1.98B	1.92B	2.25B	2.36B
Salaries And Other Employee Benefits	386M	562M	737M	781M	802M
Selling General & Admin Expenses, Total	243M	357M	303M	353M	378M
Total Other Non Interest Expense	111M	138M	83.17M	121M	157M
Non Operating (Income) Expenses	23.5M	-688K	-4.03M	-8.59M	-5.44M
Non Interest Expense, Total	764M	1.06B	1.12B	1.25B	1.33B
EBT, Excl. Unusual Items	613M	920M	805M	1B	1.03B
Legal Settlements	-2.19M	-1.48M	252K	899K	8.36M
EBT, Incl. Unusual Items	611M	918M	805M	1B	1.04B
Income Tax Expense	38.26M	116M	-59.71M	12.23M	15.96M
Earnings From Continuing Operations	573M	803M	865M	992M	1.02B
Net Income to Company	573M	803M	865M	992M	1.02B
Minority Interest	-695K	-2.46M	-13.54M	-20.58M	-17.58M
Net Income - (IS)	572M	800M	852M	971M	1B
Net Income to Common Incl Extra Items	572M	800M	852M	971M	1B
Net Income to Common Excl. Extra Items	572M	800M	852M	971M	1B
Per Share Items
Net EPS - Basic	2.61	3.63	3.85	4.17	4.3
Basic EPS - Continuing Operations	2.61	3.63	3.85	4.17	4.3
Basic Weighted Average Shares Outstanding	219M	220M	221M	233M	233M
Net EPS - Diluted	2.59	3.59	3.8	4.11	4.25
Diluted EPS - Continuing Operations	2.59	3.59	3.8	4.11	4.25
Diluted Weighted Average Shares Outstanding	221M	223M	224M	236M	236M
Normalized Basic EPS	1.75	2.6	2.21	2.61	2.68
Normalized Diluted EPS	1.73	2.57	2.18	2.57	2.65
Dividend Per Share	0.92	1.4	1.58	1.64	2.62
Payout Ratio	35.07	0.2	0.34	-	62.95
Supplemental Items
Effective Tax Rate - (Ratio)	6.26	12.58	-7.41	1.22	1.54
Total Current Taxes	40.47M	47.5M	-25.67M	-57.05M	116M
Total Deferred Taxes	-2.21M	68.01M	-34.04M	69.28M	-99.93M
Normalized Net Income	383M	572M	490M	606M	624M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	60.99M	93.8M	-	-	-
Stock-Based Comp., Other (Total)	-	-	113M	101M	-
Total Stock-Based Compensation	60.99M	93.8M	113M	101M	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.52B	5.23B	4.65B	5.67B	4.42B
Investment Securities, Total	8.97B	10.36B	17.06B	27.43B	26.32B
Trading Asset Securities, Total	6.57B	4.6B	6.91B	6.56B	9.57B
Total investments	15.54B	14.96B	23.97B	33.99B	35.89B
Gross Loans	23.04B	25.43B	23.92B	22.76B	23.53B
Allowance For Loan Losses	-720M	-694M	-860M	-534M	-749M
Net Loans	22.32B	24.74B	23.06B	22.23B	22.78B
Gross Property Plant And Equipment	71.64M	78.09M	95.29M	113M	-
Accumulated Depreciation	-48.94M	-55.45M	-63.47M	-71.1M	-
Net Property Plant And Equipment	22.69M	22.64M	31.82M	42.27M	304M
Other Intangibles, Total	93.88M	147M	211M	234M	-
Deferred Tax Assets Current	-	-	-	-	-
Accrued Interest Receivable	-	-	-	-	23.47M
Other Receivables	627M	732M	726M	1.3B	182M
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	6.81B	7.92B	6.73B	7.85B	441M
Deferred Tax Assets Long-Term (Collected)	1.12B	1.04B	1.24B	2.22B	1.92B
Other Long-Term Assets, Total	1.51B	2.62B	20.18M	44.52M	358M
Total Assets	49.57B	57.41B	60.63B	73.59B	66.32B
Liabilities
Accrued Expenses, Total	125M	200M	312M	180M	322M
Interest Bearing Deposits	7.67B	10.01B	9.78B	10.7B	8.73B
Non-Interest Bearing Deposits	284M	343M	693M	632M	618M
Total Deposits	7.96B	10.35B	10.47B	11.33B	9.35B
Short-Term Borrowings	1.33B	1.45B	1.68B	1.96B	1.83B
Current Portion of Long-Term Debt	11.71B	10.16B	11.1B	11.67B	10.9B
Long-Term Debt	4.2B	4.53B	4.41B	9.89B	3.63B
Current Income Taxes Payable	113M	107M	87.75M	204M	316M
Unearned Revenue, Current	12.9M	-	-	-	-
Deferred Tax Liability Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	19.05B	24.89B	26.12B	29.22B	26.95B
Unearned Revenue Non Current	5.24M	-	-	-	-
Deferred Tax Liability Non-Current	281M	283M	435M	1.33B	916M
Other Non Current Liabilities	108M	242M	132M	1.38B	5.32B
Total Liabilities	44.9B	52.2B	54.75B	67.17B	59.54B
Common Stock, Total	4.32B	4.32B	4.47B	5.7B	5.7B
Retained Earnings	427M	919M	1.41B	909M	1.03B
Treasury Stock	-94.11M	-82.16M	-69.33M	-77.86M	-63.92M
Comprehensive Income and Other	22.03M	53.94M	55.91M	-143M	94.41M
Total Common Equity	4.67B	5.21B	5.87B	6.39B	6.76B
Minority Interest	1.2M	2.02M	13.64M	23.77M	17.18M
Total Equity	4.67B	5.21B	5.89B	6.41B	6.78B
Total Liabilities And Equity	49.57B	57.41B	60.63B	73.59B	66.32B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	220M	221M	233M	240M	241M
ECS Total Common Shares Outstanding	220M	221M	233M	240M	241M
Book Value / Share	21.22	23.57	25.25	26.58	28.02
Tangible Book Value	4.58B	5.06B	5.66B	6.15B	6.76B
Tangible Book Value Per Share	20.79	22.9	24.34	25.61	28.02
Total Debt	17.25B	16.13B	17.19B	23.52B	16.36B
Deposits at Interest - Cash	788M	4.9B	4B	5.13B	3.63B
Net Debt	9.05B	6.3B	5.63B	11.29B	2.37B
Equity Method Investments, Total	391K	-	-	-	-
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	572M	800M	852M	971M	1B
Depreciation, Depletion & Amortization	24.56M	30.95M	41.11M	56.24M	60.61M
Total Depreciation, Depletion & Amortization	24.56M	30.95M	41.11M	56.24M	60.61M
(Gain) Loss On Sale of Asset - (CF)	-49K	11.18M	-4.1M	776K	17.71M
(Gain) Loss on Sale of Investments - (CF)	-9.2M	6.82M	-	-	-
Total Asset Writedown	24.15M	8.48M	1.34M	-8.81M	-22.61M
Provision for Credit Losses	167M	230M	326M	191M	414M
Change in Unearned Revenues	-4.21M	-	-	-	-
Change In Income Taxes	-50.7M	-65.7M	-97.05M	-73.67M	201M
Change in Other Net Operating Assets (Collected)	-3.38B	-28.19M	-1.48B	-2.3B	700M
Other Operating Activities	398M	147M	-372M	151M	825M
Cash from Operations	-2.26B	1.14B	-732M	-1.01B	3.2B
Capital Expenditure	-96.82M	-134M	-129M	-89.99M	-81.45M
Sale of Property, Plant, and Equipment	61.14M	41.4M	36.17M	51K	-
Cash Acquisitions	-	-	-	-	-24.17M
Divestitures	-	-	-	2.25M	-
Investment in Marketable and Equity Securities, Total	-2.21M	-5.66M	5.07M	-1.12M	-
Other Investing Activities, Total	-6.35M	25.09M	25.2M	14.71M	-2.94M
Cash from Investing	-44.25M	-73.25M	-62.34M	-74.1M	-109M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	-	547M	270M	1.11B	-
Total Debt Issued	-	547M	270M	1.11B	-
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-47.79M	-7.31M	-	-	-979M
Total Debt Repaid	-47.79M	-7.31M	-	-	-979M
Issuance of Common Stock	62.48M	11.95M	170M	146M	13.95M
Repurchase of Common Stock	-37.25M	-	-	-8.54M	-
Common Dividends Paid	-201M	-1.64M	-2.93M	-	-631M
Common & Preferred Stock Dividends Paid	-201M	-1.64M	-2.93M	-	-631M
Net Increase (Decrease) in Deposit Accounts - (CF)	-2.2B	2.4B	118M	861M	-2.76B
Other Financing Activities, Total	1.2M	-306M	-343M	7.88M	17.58M
Cash from Financing	-2.42B	2.64B	213M	2.11B	-4.34B
Foreign Exchange Rate Adjustments	-	-	-	-2.27M	-7.6M
Net Change in Cash	-4.73B	3.71B	-582M	1.03B	-1.26B
Supplemental Items
Cash Income Tax Paid (Refund)	50.7M	65.7M	97.05M	73.67M	162M
Net Debt Issued / Repaid	-47.79M	540M	270M	1.11B	-979M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.23	1.5	1.47	1.48	1.46
Return On Equity %	12.79	16.25	15.6	16.13	15.46
Return on Common Equity	12.77	16.21	15.38	15.85	15.24
Shareholders Value Added	34.71M	208M	187M	236M	213M
Margin Analysis
SG&A Margin	45.51	46.39	53.94	50.26	50.03
Net Interest Income / Total Revenues %	43.93	86.27	89.93	-7.21	78.52
EBT Excl. Non-Recurring Items Margin %	44.54	46.56	41.84	44.6	43.57
Income From Continuing Operations Margin %	41.6	40.64	44.96	44.1	43.24
Net Income Margin %	41.55	40.51	44.25	43.18	42.5
Net Avail. For Common Margin %	41.55	40.51	44.25	43.18	42.5
Normalized Net Income Margin	27.79	28.98	25.45	26.96	26.48
Asset quality
Nonperforming Loans / Total Loans %	1.1	0.44	2.67	1.01	1.15
Nonperforming Loans / Total Assets %	0.51	0.19	1.05	0.31	0.41
Nonperforming Assets / Total Assets %	0.51	0.19	1.05	0.31	0.41
NPAs / Loans and OREO	1.1	0.44	2.67	1.01	1.15
NPAs / Equity	5.44	2.13	10.84	3.58	4
Allowance for Credit Losses / Net Charge-offs %	4.17K	283.62	628.42	178.92	1.45K
Allowance for Credit Losses / Nonperforming Loans %	283.75	625.16	134.79	232.62	276.3
Allowance for Credit Losses / Total Loans %	3.13	2.73	3.6	2.34	3.18
Provision for Loan Losses / Net Charge-offs %	920.31	94.06	237.47	64.81	802.28
Capital And Funding
Total Average Common Equity / Total Average Assets %	9.64	9.23	9.38	9.13	9.4
Total Average Equity / Total Average Assets %	9.64	9.23	9.4	9.16	9.43
Total Equity + Allowance for Loan Losses / Total Loans %	23.39	23.19	28.14	30.41	31.91
Gross Loans / Total Deposits %	289.62	245.63	228.43	200.82	251.62
Net Loans / Total Deposits %	280.56	238.93	220.22	196.11	243.61
Total Capital Ratio %	15.09	15.23	14.94	16.48	16.29
Coverage Ratio	-	-	-	-	79.03
Interbank Ratio	196.31	309.89	200.82	296.58	802.64
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	1.34	-0.52	14.9	1.25	2.61
EBT + Interest Expense / Interest Expense	1.21	1.39	1.21	1.12	1.19
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-269.19	181.7	1.56	-109.36	-1.24K
Non Interest Income, 1 Yr. Growth %	-9.78	-46.15	3.51	401.99	-64.68
Provision For Loan Losses, 1 Yr. Growth %	-37.63	44.77	41.31	-40.53	113.99
Total Revenues, 1 Yr. Growth %	228.2	43.45	-2.58	16.88	4.82
Earnings From Cont. Operations, 1 Yr. Growth %	77.87	40.12	7.78	14.65	2.8
Net Income, 1 Yr. Growth %	77.65	39.86	6.42	14.06	3.16
Normalized Net Income, 1 Yr. Growth %	-375.92	49.58	-14.44	23.84	2.97
Diluted EPS Before Extra, 1 Yr. Growth %	75	38.7	5.85	8.16	3.41
Dividend Per Share, 1 Yr. Growth %	84.27	52.51	12.88	4.31	59.03
Gross Loans, 1 Yr. Growth %	10.77	10.38	-5.94	-4.86	3.39
Allowance For Loan Losses, 1 Yr. Growth %	22.94	-3.72	24.02	-37.97	40.4
Net Loans, 1 Yr. Growth %	10.42	10.84	-6.78	-3.62	2.5
Non Performing Loans, 1 Yr. Growth %	81.28	-56.3	475.19	-64.06	18.21
Non Performing Assets, 1 Yr. Growth %	81.28	-56.3	475.19	-64.06	18.21
Total Assets, 1 Yr. Growth %	14.39	15.82	5.62	21.36	-9.88
Total Deposits, 1 Yr Growth %	-21.66	30.15	1.14	8.23	-17.48
Tangible Book Value, 1 Yr. Growth %	8.48	10.55	11.9	8.7	9.85
Common Equity, 1 Yr. Growth %	8.89	11.48	12.8	8.78	5.82
Total Equity, 1 Yr. Growth %	8.92	11.49	13.02	8.93	5.69
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-9.17	118.31	69.14	-69.16	3.43
Non Interest Income, 2 Yr. CAGR %	47.1	-30.3	-25.34	127.94	33.16
Provision For Loan Losses, 2 Yr. CAGR %	40.32	-4.98	43.03	-8.33	12.81
Total Revenues, 2 Yr. CAGR %	12.77	116.98	18.22	6.71	10.69
Earnings From Cont. Operations, 2 Yr. CAGR %	4.12	57.87	22.89	11.16	8.56
Net Income, 2 Yr. CAGR %	4.06	57.63	22	10.17	8.47
Normalized Net Income, 2 Yr. CAGR %	12.65	103.15	13.13	2.93	12.92
Diluted EPS Before Extra, 2 Yr. CAGR %	3.03	55.76	21.15	7	5.76
Dividend Per Share, 2 Yr. CAGR %	-6.6	67.64	31.21	8.51	28.8
Gross Loans, 2 Yr. CAGR %	15.52	10.58	1.89	-5.4	-0.82
Allowance For Loan Losses, 2 Yr. CAGR %	29.72	8.8	9.27	-12.29	-6.67
Net Loans, 2 Yr. CAGR %	15.14	10.63	1.65	-5.21	-0.61
Non Performing Loans, 2 Yr. CAGR %	11.29	-10.99	58.55	43.79	-34.82
Non Performing Assets, 2 Yr. CAGR %	11.29	-10.99	58.55	43.79	-34.82
Total Assets, 2 Yr. CAGR %	15.67	15.11	10.6	13.22	4.58
Total Deposits, 2 Yr CAGR %	18.21	0.97	14.73	4.62	-5.5
Tangible Book Value, 2 Yr. CAGR %	6.99	9.51	11.23	10.29	9.27
Common Equity, 2 Yr. CAGR %	7.5	10.18	12.14	10.77	7.29
Total Equity, 2 Yr. CAGR %	7.51	10.2	12.25	10.96	7.3
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	12.11	32.46	69.16	-35.53	2.8
Non Interest Income, 3 Yr. CAGR %	18.51	5.23	-20.48	40.91	22.43
Provision For Loan Losses, 3 Yr. CAGR %	10.36	41.79	8.46	6.75	21.6
Total Revenues, 3 Yr. CAGR %	16.52	22.19	66.15	17.77	6.08
Earnings From Cont. Operations, 3 Yr. CAGR %	11.07	14.96	39.01	20.08	8.3
Net Income, 3 Yr. CAGR %	11.02	14.84	38.28	19.29	7.78
Normalized Net Income, 3 Yr. CAGR %	24.58	23.82	52.28	16.59	2.95
Diluted EPS Before Extra, 3 Yr. CAGR %	8.93	13.74	36.93	16.66	5.79
Dividend Per Share, 3 Yr. CAGR %	-5.31	9.99	46.94	21.55	23.26
Gross Loans, 3 Yr. CAGR %	26.05	13.78	4.77	-0.41	-2.56
Allowance For Loan Losses, 3 Yr. CAGR %	46.82	17.45	13.65	-9.52	2.6
Net Loans, 3 Yr. CAGR %	25.56	13.69	4.49	-0.14	-2.71
Non Performing Loans, 3 Yr. CAGR %	25.11	-18.51	65.79	-3.32	34.7
Non Performing Assets, 3 Yr. CAGR %	25.11	-18.51	65.79	-3.32	34.7
Total Assets, 3 Yr. CAGR %	14.84	15.72	11.85	14.08	4.93
Total Deposits, 3 Yr CAGR %	8.72	22.06	1.03	12.52	-3.34
Tangible Book Value, 3 Yr. CAGR %	7.92	8.16	10.3	10.38	10.14
Common Equity, 3 Yr. CAGR %	8.4	8.81	11.04	11.01	9.1
Total Equity, 3 Yr. CAGR %	8.41	8.82	11.13	11.14	9.17
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-20.45	13.58	32.15	-26.06	38.94
Non Interest Income, 5 Yr. CAGR %	18.17	16.94	-1.49	43.36	-2.27
Provision For Loan Losses, 5 Yr. CAGR %	-5.3	6.99	22.42	19.09	10.18
Total Revenues, 5 Yr. CAGR %	1.38	15.36	17.2	15.75	41.24
Earnings From Cont. Operations, 5 Yr. CAGR %	7.1	13.9	15.65	13.42	25.92
Net Income, 5 Yr. CAGR %	7.07	13.83	15.29	12.95	25.48
Normalized Net Income, 5 Yr. CAGR %	0.18	15.87	19.87	15	35.11
Diluted EPS Before Extra, 5 Yr. CAGR %	2.53	9.85	13.65	10.99	23.49
Dividend Per Share, 5 Yr. CAGR %	-3.37	5.17	7.89	9.39	39.39
Gross Loans, 5 Yr. CAGR %	17.03	18.73	15.77	5.68	2.5
Allowance For Loan Losses, 5 Yr. CAGR %	17.96	17.62	30.46	4.5	5.04
Net Loans, 5 Yr. CAGR %	17	18.76	15.38	5.71	2.42
Non Performing Loans, 5 Yr. CAGR %	-	-	37.54	2.27	14.13
Non Performing Assets, 5 Yr. CAGR %	-	-	37.54	2.27	14.13
Total Assets, 5 Yr. CAGR %	14.06	14.82	13.12	14.71	8.89
Total Deposits, 5 Yr CAGR %	8.3	11.34	11.08	14.76	-1.63
Tangible Book Value, 5 Yr. CAGR %	9.72	9.17	9.23	9.01	9.89
Common Equity, 5 Yr. CAGR %	10.05	9.65	9.88	9.59	9.53
Total Equity, 5 Yr. CAGR %	10.05	9.66	9.93	9.67	9.58