Financial Ratios Banco ABC Brasil S.A.

Equities

ABCB4

BRABCBACNPR4

Banks

Delayed Sao Paulo Other stock markets 10:46:00 2025-06-23 am EDT			5-day change	1st Jan Change
21.39 ^BRL	+0.14%		0.00%	+10.82%

Jun. 12	Banco ABC Brasil S.A., Q1 2025 Earnings Call, May 09, 2025
May. 08	Banco ABC Brasil S.A. Reports Earnings Results for the First Quarter Ended March 31, 2025	CI

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Published financial data: BANCO ABC BRASIL S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	3.06B	2.25B	2.45B	2.68B	5.03B
Interest Income On Investments	2.11B	1.31B	1.63B	2.82B	3.17B
Interest Income, Total	5.17B	3.56B	4.08B	5.49B	8.2B
Interest On Deposits	842M	1.15B	2.98B	3.7B	4.28B
Total Interest On Borrowings	4.69B	1.8B	-602M	57.96M	4.08B
Interest Expense, Total	5.53B	2.95B	2.38B	3.76B	8.36B
Net Interest Income	-358M	605M	1.7B	1.73B	-162M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	-	-	-	-	-204K
Total Other Non Interest Income	1.03B	931M	501M	519M	2.6B
Non Interest Income, Total	1.03B	931M	501M	519M	2.6B
Revenues Before Provison For Loan Losses	674M	1.54B	2.21B	2.25B	2.44B
Provision For Loan Losses	255M	159M	230M	325M	193M
Total Revenues	420M	1.38B	1.98B	1.92B	2.25B
Salaries And Other Employee Benefits	312M	386M	562M	737M	781M
Selling General & Admin Expenses, Total	222M	243M	357M	303M	353M
Total Other Non Interest Expense	96.59M	111M	138M	83.17M	121M
Non Operating (Income) Expenses	10.95M	23.5M	-688K	-4.03M	-8.59M
Non Interest Expense, Total	641M	764M	1.06B	1.12B	1.25B
EBT, Excl. Unusual Items	-222M	613M	920M	805M	1B
Legal Settlements	-6.66M	-2.19M	-1.48M	252K	899K
EBT, Incl. Unusual Items	-229M	611M	918M	805M	1B
Income Tax Expense	-551M	38.26M	116M	-59.71M	12.23M
Earnings From Continuing Operations	322M	573M	803M	865M	992M
Net Income to Company	322M	573M	803M	865M	992M
Minority Interest	-	-695K	-2.46M	-13.54M	-20.58M
Net Income - (IS)	322M	572M	800M	852M	971M
Net Income to Common Incl Extra Items	322M	572M	800M	852M	971M
Net Income to Common Excl. Extra Items	322M	572M	800M	852M	971M
Per Share Items
Net EPS - Basic	1.5	2.61	3.63	3.85	4.17
Basic EPS - Continuing Operations	1.5	2.61	3.63	3.85	4.17
Basic Weighted Average Shares Outstanding	215M	219M	220M	221M	233M
Net EPS - Diluted	1.48	2.59	3.59	3.8	4.11
Diluted EPS - Continuing Operations	1.48	2.59	3.59	3.8	4.11
Diluted Weighted Average Shares Outstanding	218M	221M	223M	224M	236M
Normalized Basic EPS	-0.65	1.75	2.6	2.21	2.61
Normalized Diluted EPS	-0.64	1.73	2.57	2.18	2.57
Dividend Per Share	0.5	0.92	1.4	1.58	1.64
Payout Ratio	33.34	35.07	0.2	0.34	-
Supplemental Items
Effective Tax Rate - (Ratio)	240.93	6.26	12.58	-7.41	1.22
Total Current Taxes	-51.76M	40.47M	47.5M	-25.67M	-57.05M
Total Deferred Taxes	-499M	-2.21M	68.01M	-34.04M	69.28M
Normalized Net Income	-139M	383M	572M	490M	606M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	61.67M	60.99M	93.8M	-	-
Stock-Based Comp., Other (Total)	-	-	-	113M	101M
Total Stock-Based Compensation	61.67M	60.99M	93.8M	113M	101M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	6.24B	1.52B	5.23B	4.65B	5.67B
Investment Securities, Total	8.45B	8.97B	10.36B	17.06B	27.43B
Trading Asset Securities, Total	2.02B	6.57B	4.6B	6.91B	6.56B
Total investments	10.47B	15.54B	14.96B	23.97B	33.99B
Gross Loans	20.94B	23.04B	25.43B	23.92B	22.76B
Allowance For Loan Losses	-586M	-720M	-694M	-860M	-534M
Net Loans	20.36B	22.32B	24.74B	23.06B	22.23B
Gross Property Plant And Equipment	66.18M	71.64M	78.09M	95.29M	113M
Accumulated Depreciation	-42.56M	-48.94M	-55.45M	-63.47M	-71.1M
Net Property Plant And Equipment	23.61M	22.69M	22.64M	31.82M	42.27M
Other Intangibles, Total	70.34M	93.88M	147M	211M	234M
Deferred Tax Assets Current	960M	-	-	-	-
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	496M	627M	732M	726M	1.3B
Restricted Cash	16.26M	-	-	-	-
Other Current Assets, Total	3.49B	6.81B	7.92B	6.73B	7.85B
Deferred Tax Assets Long-Term (Collected)	136M	1.12B	1.04B	1.24B	2.22B
Other Long-Term Assets, Total	1.07B	1.51B	2.62B	20.18M	44.52M
Total Assets	43.33B	49.57B	57.41B	60.63B	73.59B
Liabilities
Accrued Expenses, Total	158M	125M	200M	312M	304M
Interest Bearing Deposits	9.77B	7.67B	10.01B	9.78B	10.7B
Non-Interest Bearing Deposits	383M	284M	343M	693M	632M
Total Deposits	10.16B	7.96B	10.35B	10.47B	11.33B
Short-Term Borrowings	1.35B	1.33B	1.45B	1.68B	1.96B
Current Portion of Long-Term Debt	9.73B	11.71B	10.16B	11.1B	11.67B
Long-Term Debt	3.12B	4.2B	4.53B	4.41B	9.89B
Current Income Taxes Payable	31.05M	113M	107M	87.75M	79.62M
Unearned Revenue, Current	-	12.9M	-	-	-
Deferred Tax Liability Current	-	-	-	-	-
Other Current Liabilities - (Bank / Utility Template)	14.02B	19.05B	24.89B	26.12B	29.22B
Unearned Revenue Non Current	22.34M	5.24M	-	-	-
Deferred Tax Liability Non-Current	263M	281M	283M	435M	1.33B
Other Non Current Liabilities	179M	108M	242M	132M	1.38B
Total Liabilities	39.04B	44.9B	52.2B	54.75B	67.17B
Common Stock, Total	2.59B	4.32B	4.32B	4.47B	5.7B
Retained Earnings	1.71B	427M	919M	1.41B	909M
Treasury Stock	-56.86M	-94.11M	-82.16M	-69.33M	-77.86M
Comprehensive Income and Other	37.58M	22.03M	53.94M	55.91M	-143M
Total Common Equity	4.29B	4.67B	5.21B	5.87B	6.39B
Minority Interest	-	1.2M	2.02M	13.64M	23.77M
Total Equity	4.29B	4.67B	5.21B	5.89B	6.41B
Total Liabilities And Equity	43.33B	49.57B	57.41B	60.63B	73.59B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	217M	220M	221M	233M	240M
ECS Total Common Shares Outstanding	217M	220M	221M	233M	240M
Book Value / Share	19.73	21.22	23.57	25.25	26.58
Tangible Book Value	4.22B	4.58B	5.06B	5.66B	6.15B
Tangible Book Value Per Share	19.41	20.79	22.9	24.34	25.61
Total Debt	14.21B	17.25B	16.13B	17.19B	23.52B
Deposits at Interest - Cash	5.73B	788M	4.9B	4B	5.13B
Net Debt	5.85B	9.05B	6.3B	5.63B	11.29B
Equity Method Investments, Total	391K	391K	-	-	-
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	322M	572M	800M	852M	971M
Depreciation, Depletion & Amortization	18.33M	24.56M	30.95M	41.11M	56.24M
Total Depreciation, Depletion & Amortization	18.33M	24.56M	30.95M	41.11M	56.24M
(Gain) Loss On Sale of Asset - (CF)	4.13M	-49K	11.18M	-4.1M	776K
(Gain) Loss on Sale of Investments - (CF)	-8.99M	-9.2M	6.82M	-	-
Total Asset Writedown	7.08M	24.15M	8.48M	1.34M	-8.81M
Provision for Credit Losses	248M	167M	230M	326M	191M
Change in Unearned Revenues	-382K	-4.21M	-	-	-
Change In Income Taxes	-34.42M	-50.7M	-65.7M	-97.05M	-73.67M
Change in Other Net Operating Assets (Collected)	-3B	-3.38B	-28.19M	-1.48B	-2.3B
Other Operating Activities	916M	398M	147M	-372M	151M
Cash from Operations	-1.52B	-2.26B	1.14B	-732M	-1.01B
Capital Expenditure	-84.54M	-96.82M	-134M	-129M	-89.99M
Sale of Property, Plant, and Equipment	89.89M	61.14M	41.4M	36.17M	51K
Divestitures	-	-	-	-	2.25M
Investment in Marketable and Equity Securities, Total	-1.16M	-2.21M	-5.66M	5.07M	-1.12M
Other Investing Activities, Total	-7.06M	-6.35M	25.09M	25.2M	14.71M
Cash from Investing	-2.86M	-44.25M	-73.25M	-62.34M	-74.1M
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	10.85M	-	547M	270M	1.11B
Total Debt Issued	10.85M	-	547M	270M	1.11B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-650M	-47.79M	-7.31M	-	-
Total Debt Repaid	-650M	-47.79M	-7.31M	-	-
Issuance of Common Stock	48.87M	62.48M	11.95M	170M	146M
Repurchase of Common Stock	-	-37.25M	-	-	-8.54M
Common Dividends Paid	-107M	-201M	-1.64M	-2.93M	-
Common & Preferred Stock Dividends Paid	-107M	-201M	-1.64M	-2.93M	-
Net Increase (Decrease) in Deposit Accounts - (CF)	4.46B	-2.2B	2.4B	118M	861M
Other Financing Activities, Total	-	1.2M	-306M	-343M	7.88M
Cash from Financing	3.76B	-2.42B	2.64B	213M	2.11B
Foreign Exchange Rate Adjustments	-	-	-	-	-2.27M
Net Change in Cash	2.24B	-4.73B	3.71B	-582M	1.03B
Supplemental Items
Cash Income Tax Paid (Refund)	34.42M	50.7M	65.7M	97.05M	73.67M
Net Debt Issued / Repaid	-639M	-47.79M	540M	270M	1.11B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.8	1.23	1.5	1.47	1.48
Return On Equity %	7.73	12.79	16.25	15.6	16.13
Return on Common Equity	7.73	12.77	16.21	15.38	15.85
Shareholders Value Added	-178M	34.71M	208M	187M	236M
Margin Analysis
SG&A Margin	126.81	45.51	46.39	53.94	50.26
Net Interest Income / Total Revenues %	-85.22	43.93	86.27	89.93	-7.21
EBT Excl. Non-Recurring Items Margin %	-52.88	44.54	46.56	41.84	44.6
Income From Continuing Operations Margin %	76.77	41.6	40.64	44.96	44.1
Net Income Margin %	76.77	41.55	40.51	44.25	43.18
Net Avail. For Common Margin %	76.77	41.55	40.51	44.25	43.18
Normalized Net Income Margin	-33.05	27.79	28.98	25.45	26.96
Asset quality
Nonperforming Loans / Total Loans %	0.67	1.1	0.44	2.67	1.01
Nonperforming Loans / Total Assets %	0.32	0.51	0.19	1.05	0.31
Nonperforming Assets / Total Assets %	0.32	0.51	0.19	1.05	0.31
NPAs / Loans and OREO	0.67	1.1	0.44	2.67	1.01
NPAs / Equity	3.27	5.44	2.13	10.84	3.58
Allowance for Credit Losses / Net Charge-offs %	712.42	4.17K	283.62	628.42	178.92
Allowance for Credit Losses / Nonperforming Loans %	418.43	283.75	625.16	134.79	232.62
Allowance for Credit Losses / Total Loans %	2.8	3.13	2.73	3.6	2.34
Provision for Loan Losses / Net Charge-offs %	309.75	920.31	94.06	237.47	64.81
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.36	9.64	9.23	9.38	9.13
Total Average Equity / Total Average Assets %	10.36	9.64	9.23	9.4	9.16
Total Equity + Allowance for Loan Losses / Total Loans %	23.28	23.39	23.19	28.14	30.41
Gross Loans / Total Deposits %	206.21	289.62	245.63	228.43	200.82
Net Loans / Total Deposits %	200.44	280.56	238.93	220.22	196.11
Total Capital Ratio %	16.85	15.09	15.23	14.94	16.48
Interbank Ratio	514.57	196.31	309.89	200.82	296.58
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	0.95	1.34	-0.52	14.9	1.25
EBT + Interest Expense / Interest Expense	0.96	1.21	1.39	1.21	1.12
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-148.76	-269.19	181.7	1.56	-109.36
Non Interest Income, 1 Yr. Growth %	139.86	-9.78	-46.15	3.51	401.99
Provision For Loan Losses, 1 Yr. Growth %	215.72	-37.63	44.77	41.31	-40.53
Total Revenues, 1 Yr. Growth %	-61.25	228.2	43.45	-2.58	16.88
Earnings From Cont. Operations, 1 Yr. Growth %	-39.05	77.87	40.12	7.78	14.65
Net Income, 1 Yr. Growth %	-39.05	77.65	39.86	6.42	14.06
Normalized Net Income, 1 Yr. Growth %	-145.99	-375.92	49.58	-14.44	23.84
Diluted EPS Before Extra, 1 Yr. Growth %	-39.34	75	38.7	5.85	8.16
Dividend Per Share, 1 Yr. Growth %	-52.66	84.27	52.51	12.88	4.31
Gross Loans, 1 Yr. Growth %	21.3	10.77	10.38	-5.94	-4.86
Allowance For Loan Losses, 1 Yr. Growth %	36.88	22.94	-3.72	24.02	-37.97
Net Loans, 1 Yr. Growth %	20.9	10.42	10.84	-6.78	-3.62
Non Performing Loans, 1 Yr. Growth %	-31.68	81.28	-56.3	475.19	-64.06
Non Performing Assets, 1 Yr. Growth %	-31.68	81.28	-56.3	475.19	-64.06
Total Assets, 1 Yr. Growth %	16.95	14.39	15.82	5.62	21.36
Total Deposits, 1 Yr Growth %	78.36	-21.66	30.15	1.14	8.23
Tangible Book Value, 1 Yr. Growth %	5.52	8.48	10.55	11.9	8.7
Common Equity, 1 Yr. Growth %	6.13	8.89	11.48	12.8	8.78
Total Equity, 1 Yr. Growth %	6.13	8.92	11.49	13.02	8.93
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-8.74	-9.17	118.31	69.14	-69.16
Non Interest Income, 2 Yr. CAGR %	35.82	47.1	-30.3	-25.34	127.94
Provision For Loan Losses, 2 Yr. CAGR %	46.81	40.32	-4.98	43.03	-8.33
Total Revenues, 2 Yr. CAGR %	-30.57	12.77	116.98	18.22	6.71
Earnings From Cont. Operations, 2 Yr. CAGR %	-12.23	4.12	57.87	22.89	11.16
Net Income, 2 Yr. CAGR %	-12.23	4.06	57.63	22	10.17
Normalized Net Income, 2 Yr. CAGR %	-16.29	12.65	103.15	13.13	2.93
Diluted EPS Before Extra, 2 Yr. CAGR %	-14.06	3.03	55.76	21.15	7
Dividend Per Share, 2 Yr. CAGR %	-32.12	-6.6	67.64	31.21	8.51
Gross Loans, 2 Yr. CAGR %	34.92	15.52	10.58	1.89	-5.4
Allowance For Loan Losses, 2 Yr. CAGR %	60.45	29.72	8.8	9.27	-12.29
Net Loans, 2 Yr. CAGR %	34.35	15.14	10.63	1.65	-5.21
Non Performing Loans, 2 Yr. CAGR %	3.94	11.29	-10.99	58.55	43.79
Non Performing Assets, 2 Yr. CAGR %	3.94	11.29	-10.99	58.55	43.79
Total Assets, 2 Yr. CAGR %	15.06	15.67	15.11	10.6	13.22
Total Deposits, 2 Yr CAGR %	28.07	18.21	0.97	14.73	4.62
Tangible Book Value, 2 Yr. CAGR %	7.64	6.99	9.51	11.23	10.29
Common Equity, 2 Yr. CAGR %	8.16	7.5	10.18	12.14	10.77
Total Equity, 2 Yr. CAGR %	8.16	7.51	10.2	12.25	10.96
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-26.53	12.11	32.46	69.16	-35.53
Non Interest Income, 3 Yr. CAGR %	65.11	18.51	5.23	-20.48	40.91
Provision For Loan Losses, 3 Yr. CAGR %	15.8	10.36	41.79	8.46	6.75
Total Revenues, 3 Yr. CAGR %	-24.29	16.52	22.19	66.15	17.77
Earnings From Cont. Operations, 3 Yr. CAGR %	-8.38	11.07	14.96	39.01	20.08
Net Income, 3 Yr. CAGR %	-8.38	11.02	14.84	38.28	19.29
Normalized Net Income, 3 Yr. CAGR %	-20.31	24.58	23.82	52.28	16.59
Diluted EPS Before Extra, 3 Yr. CAGR %	-12.97	8.93	13.74	36.93	16.66
Dividend Per Share, 3 Yr. CAGR %	-22.93	-5.31	9.99	46.94	21.55
Gross Loans, 3 Yr. CAGR %	24.78	26.05	13.78	4.77	-0.41
Allowance For Loan Losses, 3 Yr. CAGR %	23.9	46.82	17.45	13.65	-9.52
Net Loans, 3 Yr. CAGR %	24.8	25.56	13.69	4.49	-0.14
Non Performing Loans, 3 Yr. CAGR %	-	25.11	-18.51	65.79	-3.32
Non Performing Assets, 3 Yr. CAGR %	-	25.11	-18.51	65.79	-3.32
Total Assets, 3 Yr. CAGR %	14.63	14.84	15.72	11.85	14.08
Total Deposits, 3 Yr CAGR %	18.84	8.72	22.06	1.03	12.52
Tangible Book Value, 3 Yr. CAGR %	8.94	7.92	8.16	10.3	10.38
Common Equity, 3 Yr. CAGR %	9.3	8.4	8.81	11.04	11.01
Total Equity, 3 Yr. CAGR %	9.3	8.41	8.82	11.13	11.14
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-15.19	-20.45	13.58	32.15	-26.06
Non Interest Income, 5 Yr. CAGR %	-4.83	18.17	16.94	-1.49	43.36
Provision For Loan Losses, 5 Yr. CAGR %	3.1	-5.3	6.99	22.42	19.09
Total Revenues, 5 Yr. CAGR %	7.83	1.38	15.36	17.2	15.75
Earnings From Cont. Operations, 5 Yr. CAGR %	-2.78	7.1	13.9	15.65	13.42
Net Income, 5 Yr. CAGR %	-2.78	7.07	13.83	15.29	12.95
Normalized Net Income, 5 Yr. CAGR %	1.38	0.18	15.87	19.87	15
Diluted EPS Before Extra, 5 Yr. CAGR %	-8.61	2.53	9.85	13.65	10.99
Dividend Per Share, 5 Yr. CAGR %	-10.42	-3.37	5.17	7.89	9.39
Gross Loans, 5 Yr. CAGR %	13.96	17.03	18.73	15.77	5.68
Allowance For Loan Losses, 5 Yr. CAGR %	18.1	17.96	17.62	30.46	4.5
Net Loans, 5 Yr. CAGR %	13.85	17	18.76	15.38	5.71
Non Performing Loans, 5 Yr. CAGR %	-	-	-	37.54	2.27
Non Performing Assets, 5 Yr. CAGR %	-	-	-	37.54	2.27
Total Assets, 5 Yr. CAGR %	12.34	14.06	14.82	13.12	14.71
Total Deposits, 5 Yr CAGR %	17.19	8.3	11.34	11.08	14.76
Tangible Book Value, 5 Yr. CAGR %	11.07	9.72	9.17	9.23	9.01
Common Equity, 5 Yr. CAGR %	11.31	10.05	9.65	9.88	9.59
Total Equity, 5 Yr. CAGR %	11.31	10.05	9.66	9.93	9.67