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Reports

Brazilian bank CAIXA has recurring net profit of US$ 2.1 B in 2023

Thursday 29 de February 2024 / 12:00

2 minutos de lectura

(Sao Paulo).- CAIXA, the largest Brazilian bank in terms of number of customers, credit, digital accounts and savings deposits, announces its consolidated results for the fourth quarter of 2023 (4Q23). Its recurring net profit is R$ 10,6 B (US$ 2.1 B).

Brazilian bank CAIXA has recurring net profit of US$ 2.1 B in 2023

CAIXA, the largest Brazilian bank in terms of number of customers, credit, digital accounts and savings deposits, announces its consolidated results for the fourth quarter of 2023 (4Q23). 

– Accounting Net Profit of R$11.7 billion in 2023, 20.0% higher than 2022;

– Accounting Net Profit of R$4.0 billion in 4Q23, 82.7% higher than 4Q22;

– Recurring Net Profit of R$10.6 billion in 2023, 15.5% higher than 2022;

– Recurring Net Profit of R$2.9 billion in 4Q23, 40.5% higher than 4Q22;

– The financial margin in 4Q23 reached R$17.5 billion, an increase of 17.1% compared to 4Q22;

– Service Provision Revenue totaling R$25.8 billion in 2023, growth of 2.8% in 12 months;

– Managed Assets totaled R$3.2 trillion in Dec/23, an increase of 11.5% in 12 months;

– CAIXA assets totaled R$1.8 trillion in Dec/23, an increase of 15.2% in 12 months;

– Total credit portfolio with a balance of R$1.120 trillion, growth of 10.6% over Dec/22, being the largest credit portfolio among banks;

– Balance of R$775.1 billion in the sustainable finance portfolio in Dec/23, growth of 15.6% in 12 months, a greater variation than the total credit portfolio, which grew 10.6% in 12 months;

– R$544.3 billion in total credit origination in 2023, growth of 6.8% compared to 2022, being the largest contracting in CAIXA’s history;

– R$140.6 billion in total credit origination in 4Q23, growth of 13.5% in 12 months;

– CAIXA accelerates and increases the rate of contracting of real estate credit in 2023, accounting for 69.6% of all credit granted in the market, an increase of 5.3 p.p. in 12 months;

– R$185.4 billion in real estate credit contracts in 2023, 13.0% higher than 2022, and the largest annual contract in the history of housing at CAIXA;

– R$48.5 billion in real estate credit contracts in 4Q23, 21.2% higher than 4Q22;

– R$110.2 billion in FGTS real estate credit contracts in 2023, growth of 56.2% compared to 2022;

– R$33.2 billion in FGTS real estate credit contracts in 4Q23, growth of 52.0% compared to 4Q22;

– In 2023, CAIXA financed 694.3 thousand properties, benefiting more than 2.7 million people with access to their own housing, generating more than 1.3 million jobs;

– Balance of R$733.3 billion in the real estate loan portfolio, 14.6% higher than Dec/22;

– CAIXA expands market share in Real Estate Credit to 67.3% in 2023, an increase of 1.1 p.p. in 12 months;

– R$15.4 billion in credit contracts for Infrastructure and Sanitation in 2023, growth of 91.0% in 12 months;

– R$1.6 billion in credit contracts for Infrastructure and Sanitation in 4Q23, growth of 349.4% compared to 4Q22;

– Balance of R$98.4 billion in Infrastructure and Sanitation credit, growth of 1.2% over Dec/22;

– Balance of R$ 103.2 billion in Consigned credit, stable in relation to Dec/22;

– Balance of R$56.2 billion in credit to Agribusiness, growth of 27.3% over Dec/22;

– Balance of R$97.4 billion in commercial credit for Legal Entities, growth of 3.8% over Dec/22;

– Balance of R$1.485 trillion in total funding, growth of 21.4% over Dec/22;

– Shareholders’ equity of R$128.5 billion, an increase of 4.8% in 12 months;

– Basel Ratio of 16.7% and Tier I Capital of 14.1% in Dec/23, higher by 5.2 p.p. and 4.6 p.p., respectively, than the regulatory minimum;

– Default rate of 2.16% in 4Q23, a reduction of 0.52 p.p. over 3Q23 and in line with 4Q22, the lowest rate among large banks;

– 93.4% of credits rated between AA-C and 92% of the balance with guarantees in Dec/23, demonstrating the quality of the portfolio;

– R$369.2 billion in social benefits paid in 2023, growth of 19.5% compared to 2022;

– R$159.8 billion in Bolsa Família benefits paid in 2023, growth of 43.4% compared to 2022;

– Renegotiation of R$12.7 billion in debt through the Desenrola Brasil Program, Tudo em Dia CAIXA and FIES, providing registration regularization and financial restructuring for 459.4 thousand customers.

– Programa Desenrola Brasil and Tudo em Dia CAIXA reach R$ 7.4 billion in debts renegotiated for 342.2 thousand customers and 437.5 thousand contracts regularized, and in relation to FIES, R$ 5.3 billion were renegotiated, benefiting 117, 2 thousand people;

Categoría:Reports

Tags: Sin tags

País: Brazil

Región: South America

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