CAIXA, Brazil's largest bank by number of clients, credit portfolio, and savings deposits, announces its consolidated results for the year 2025.
HIGHLIGHTS: I. Recurring Net Income of R$15.5 billion in 2025, up 10.4% YoY; II. Accounting Net Income of R$16.1 billion in 2025, up 18.7% YoY; III. Recurring ROE reached 10.7% as of Dec25, an increase of 0.3 p.p. over 12 months; IV. Financial Margin reached R$66.8 billion in 2025, up 8.4% YoY; V. CAIXA Assets totaled R$2.2 trillion as of Dec25, up 9.5% YoY; VI. Total Loan portfolio reached a balance of R$1.378 trillion as of Dec25, up 11.5% YoY; VII. Sustainable Finance Portfolio totaled R$867.5 billion as of Dec25, the largest in the market; VIII. Total Loan Origination of R$690.2 billion in 2025, up 12.2% YoY; IX. Mortgage Loan Portfolio balance of R$938.0 billion as of Dec25, up 13.0% YoY; X. CAIXA holds a market share of 67.7% in the mortgage loan segment as of Dec25; XI. Mortgage loan origination totaled R$246.4 billion in 2025, up 10.2% YoY; XII. The Infrastructure and Sanitation loan portfolio reached a balance of R$110.2 billion as of Dec25, up 1.0% YoY; XIII. Balance of R$111.7 billion in Payroll-deductible Loans as of Dec25, up 10.0% YoY and accounting for 73.5% of the individual commercial loan portfolio. CAIXA's market share in this product totaled 15.2%; XIV. Balance of R$62.9 billion in Agribusiness Loans as of Dec25, up 0.6% YoY; XV. Balance of R$1.902 trillion in Total Funding as of Dec25, up 10.0% YoY; XVI. Balance of R$396.2 billion in savings deposits as of Dec25, up 2.8% compared to Dec24, reaching a 38.8% market share; XVII. Delinquency Rate of 3.07% as of Dec25, up 1.09 p.p. YoY; XVIII. Basel Ratio of 16.4% and Tier I Capital of 15.0% as of Dec25, remaining 4.9 p.p. and 5.5 p.p. above the minimum regulatory requirements, respectively.
WEBCAST 4Q25: 03/05/2026, 10h00 am (Brasília): https://ri.caixa.gov.br/en/earningrelease/ 4Q25 EARNINGS RELEASE DOCUMENTS: https://ri.caixa.gov.br/ Contact: Investor Relations, relacoes.investidores@caixa.gov.br
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SOURCE CAIXA
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