RECURRING NET INCOME OF R$8.9 BILLION IN 1H25 AND R$3.7 BILLION IN 2Q25, REPRESENTING YEAR-OVER-YEAR GROWTH OF 44.9% AND 12.0%, RESPECTIVELY

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RECURRING NET INCOME OF R$8.9 BILLION IN 1H25 AND R$3.7 BILLION IN 2Q25, REPRESENTING YEAR-OVER-YEAR GROWTH OF 44.9% AND 12.0%, RESPECTIVELY

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BRASÍLIA, Brazil, Sept. 17, 2025

BRASÍLIA, Brazil, Sept. 17, 2025 /PRNewswire/ -- CAIXA ECONÔMICA FEDERAL ("CAIXA"), Brazil's largest bank by number of clients, credit portfolio, and savings deposits, announces its consolidated results for the second quarter of 2025 (2Q25).

HIGHLIGHTS:

  1. Recurring Net Income of R$8.9 billion in 1H25, up 44.9% YoY;
  2. Accounting Net Income of R$9.8 billion in 1H25, up 70.2% YoY;
  3. Recurring ROE reached 11.9% as of Jun25, an increase of 2.4 p.p. over 12 months;
  4. Financial Margin reached R$32.7 billion in 1H25, up 6.3% YoY;
  5. CAIXA Assets totaled R$2.1 trillion as of Jun25, up 11.0% YoY;
  6. Total Loan portfolio reached a balance of R$1.294 trillion as of Jun25, up 10.1% YoY;
  7. Sustainable Finance Portfolio balance of R$817.3 billion as of Jun25;
  8. Total Loan Origination of R$159.7 billion in 2Q25, up 0.4% YoY;
  9. Mortgage Loan Portfolio balance of R$875.5 billion as of Jun25, up 11.7% YoY;
  10. CAIXA holds a market share of 66.8% in the mortgage loan segment as of Jun25;
  11. Mortgage loan origination totaled R$106.7 billion in 1H25, down 5.6% YoY;
  12. The Infrastructure and Sanitation loan portfolio reached a balance of R$107.3 billion as of Jun25, up 5.4% YoY;
  13. Balance of R$107.7 billion in Payroll-deductible Loans as of Jun25, up 6.4% YoY and representing 74.5% of the individual commercial portfolio;
  14. Balance of R$60.5 billion in Agribusiness Loans in 1H25, up 2.6% YoY;
  15. Balance of R$1.634 trillion in Total Funding as of Jun25, up 6.8% YoY;
  16. Balance of R$390.4 billion in savings deposits as of Jun25, up 4.2% compared to Jun24, reaching a 38.3% market share;
  17. Delinquency Rate of 2.66% as of Jun25, up 0.46 p.p. YoY;
  18. Basel Ratio of 16.0% and Tier I Capital of 14.5% as of Jun25, remaining 4.5 p.p. and 5.0 p.p. above the minimum regulatory requirements, respectively.

WEBCAST 2Q25: 09/18/2025, 10h00 am (Brasília): https://ri.caixa.gov.br/en/earningrelease/ 

2Q25 EARNINGS RELEASE DOCUMENTS: https://ri.caixa.gov.br/

Contact: Investor Relations, relacoes.investidores@caixa.gov.br

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SOURCE Caixa Econômica Federal