#Brazil #Financial Growth #Brasília #CAIXA Bank

CAIXA Bank's Impressive Financial Performance in 1Q25

CAIXA Econômica Federal, Brazil's largest bank by client numbers and digital accounts, has announced outstanding results for the first quarter of 2025 (1Q25). The bank reported a recurring net income of R$ 4.9 billion, showcasing an impressive 71.5% increase compared to the previous year, 1Q24.

In addition to the recurring net income, CAIXA's accounting net income surged to R$ 5.8 billion, reflecting a staggering 133.9% rise year-on-year. This performance marks a significant milestone for the bank, which continues to broaden its influence in the Brazilian financial landscape.

Key Financial Indicators

The financial indicators for CAIXA in 1Q25 were largely positive:

• - Return on Equity (ROE) reached 11.8%, up 2.8 percentage points over the last 12 months.
• - The financial margin increased to R$ 16.0 billion, representing a growth of 4.8% from 1Q24.
• - Total assets rose to R$ 2.1 trillion in March 2025, marking an 11.1% increase over the last year.
• - CAIXA's total credit portfolio reached R$ 1.266 trillion, an increase of 10.7% from March 2024.

The Sustainable Finance Portfolio also made significant contributions, with a balance of R$ 795.7 billion in March 2025, showing the bank's commitment to promoting sustainability in financing.

Growth in Loan Origination

Another highlight of CAIXA's quarterly performance was its loan origination results:

• - The bank recorded a total loan origination of R$ 151.5 billion in 1Q25, showcasing a 5.7% increase from 1Q24.
• - In the Mortgage Loan segment, CAIXA maintained its leadership with a market share of 66.8% as of March 2025, reporting R$ 49.3 billion in new mortgage loans in 1Q25.
• - The bank launched over R$ 500 million in new Worker Credit loans within just 11 days.

Infrastructure and Agriculture Financing

CAIXA also demonstrated its role in supporting vital sectors:

• - The balance for infrastructure and sanitation projects amounted to R$ 107.0 billion, growing by 6.7% year-on-year.
• - Funds allocated for agribusiness loans reached R$ 63.5 billion, up 9.9% from March 2024.

Additionally, the bank's various loan products contributed to its strength, with payroll-deductible loans totaling R$ 106.3 billion, representing a significant 75.3% of its individual commercial portfolio.

Stronger Asset Health and Stability

CAIXA's financial health remains robust, with a Basel Ratio of 15.2% and Tier I Capital standing at 13.8%, exceeding regulatory minimum requirements by 3.7 and 4.3 percentage points, respectively. The delinquency rate modestly improved to 2.49%, signifying a healthy loan portfolio.

Looking Ahead

As CAIXA prepares for the upcoming 1Q25 webcast on June 5, 2025, the bank is poised to continue its trajectory of growth and impact within the financial sector. With a solid foundation and a focus on customer-centric services, CAIXA is well-equipped to advance its mission of fostering financial inclusion and sustainability in Brazil.

For investors and stakeholders eager to learn more, further details are available through CAIXA's investor relations channels and their official website.