BSLI4: quote, dividends and indicators for Banco de Brasília - BRB

Banco de Brasília S.A. – BRB is a mixed-capital company majority controlled by the Government of the Federal District, created on December 10, 1964, by Federal Law No. 4,545 and authorized to operate by the Central Bank of Brazil in July 1966. Originally conceived as a financial agent focused on the economic development of the Federal District, the bank assumed the role of a multiple bank with Commercial, Real Estate Credit and Development portfolios starting in 1991. Over nearly six decades, it has expanded its operations from a regional focus to a national presence, preserving its role as a public development bank while at the same time consolidating activities typical of retail, wholesale, investment banking, payment methods and specialized services for the public sector. Shares of Banco de Brasília – BRB are traded on B3 under the tickers BSLI3 and BSLI4, which places the institution in the Brazilian capital markets and subjects its governance to the regulatory requirements applicable to publicly traded companies.

BRB’s core activities are centered on lending, deposit-taking and the provision of financial services to individuals, companies of all sizes and government entities. As a multiple bank, its loan portfolio is organized into two main segments: Commercial, focused on consumer and retail financial needs, and Development, aimed at financing projects with economic and social impact in the Federal District, the Center-West region and in areas of influence. In these areas, the bank offers personal loans in various modalities, working capital and investment lines, agribusiness financing, real estate transactions for the acquisition of properties and support for real estate development, as well as structured credit operations for public projects. The institution also generates fee income from services such as receivables and payment management, foreign exchange services, custody, intermediation in capital markets, investment services and securitization, forming a diversified portfolio of financial products.

The BRB conglomerate is made up of different specialized subsidiaries that complement the bank’s business scope. Financeira BRB, a credit, financing and investment company, operates mainly in retail credit, with emphasis on payroll-deductible loans and vehicle financing, including for non-account holders, which broadens the potential customer base. BRB DTVM concentrates activities related to the administration and distribution of investment funds, intermediation of public and private securities and the structuring of capital market transactions, targeting institutional clients such as pension funds, insurers and public pension schemes. Cartão BRB S.A. (BRBCARD) is responsible for issuing and managing credit, debit, multiple and prepaid cards, as well as acquiring solutions, transaction capture and loyalty programs, serving both the private market and government social programs. The structure also includes companies dedicated to insurance brokerage, distribution of protection products and the provision of contact center, BPO, information technology and logistics management services, through BRB Serviços S.A., which also acts as a banking correspondent and executor of projects related to improving public services.

Geographically, Banco de Brasília – BRB has expanded its presence beyond the Federal District, establishing itself as the only state-owned bank in the Center-West region and extending its reach to other states. Closing 2025 with 960 service points, the institution is present in the Federal District, Goiás, Mato Grosso, Mato Grosso do Sul, Tocantins, Rio de Janeiro, São Paulo, Minas Gerais, Bahia, Paraíba, Paraná and Alagoas. Its operations combine physical and digital channels in a model defined by the institution as “phygital”, integrating branches, service posts, correspondents and online platforms such as Internet Banking, the BRB Mobile app, specific apps for cards and investments and the digital bank Nação BRB FLA. The latter has become one of the main drivers of national growth, with millions of digital accounts opened, offering free accounts, cards, credit, investments, insurance and a loyalty program associated with Flamengo football club, reinforcing the strategy of brand expansion and customer acquisition in all regions of the country.

BRB maintains a strong link with the public sector, especially with the Government of the Federal District, for which it is the main financial agent. The institution operates a wide range of GDF social programs, including cash transfer initiatives and specific benefits such as Prato Cheio, DF Social and assistance programs for gas, daycare, school supplies and uniforms, among others focused on social protection and welfare. In recent years, the bank has processed billions of reais in benefits, impacting hundreds of thousands of vulnerable families in the Federal District through digital social accounts, prepaid cards, apps and dedicated channels. Additionally, the bank acts as the district tax collection agent, payroll manager for public servants and partner in solutions such as the public transport electronic ticketing system, which reinforces its relevance in the financial and operational infrastructure of the regional public sector and, increasingly, of other states and municipalities.

In urban mobility, BRB is responsible for managing the Automatic Ticketing System – BRB Mobilidade in the Federal District, which integrates transport cards, contactless payment methods and digital apps. Since operations began in 2019, the system has modernized ticketing, expanded payment options and become a national benchmark in innovation applied to public transport, recording billions of validations and billions of reais in paid rides. The service structure includes dedicated posts, ticket offices in subway stations, non-bank correspondents and mobile points for issuing and loading student cards, commuter benefits, senior and special cards, as well as managing fare exemptions. In parallel, BRB Serviços works on projects such as integrated services at Na Hora units, scheduling and logistics for high-cost medications and call centers for water and power utilities, deepening the conglomerate’s role in essential public services and in digital solutions for governments.

In terms of market and clientele, Banco de Brasília – BRB serves both retail and wholesale segments, encompassing individuals, micro, small, medium and large companies, rural producers, cooperatives, agribusinesses, as well as states, municipalities and the Judiciary. In agribusiness, it operates under the guidelines of the Rural Credit Manual, with lines for working capital, investment, marketing and industrialization, including through official programs such as Pronaf and Pronamp. In real estate, it finances the acquisition of residential and commercial properties and supports construction projects through the Plano Empresário. The institution has also gained prominence in the management of court deposits via the BRBJus platform, in partnership with state courts, handling tens of billions of reais and issuing millions of court payment orders, with wide use of Judicial Pix. There is no relevant revenue concentration in a single client exceeding 10% of net revenue, which indicates a relatively diversified base of borrowers and service users.

BRB’s operations are strongly conditioned by a robust regulatory environment, as it is a publicly traded financial institution and a mixed-capital company. The bank is subject to the rules of the National Monetary Council and to supervision by the Central Bank of Brazil, which authorizes its operation, corporate transformations, expansion of branches and foreign exchange transactions, as well as monitoring its liquidity, capitalization, risk management and internal controls. As an issuer of securities with shares listed on B3 (BSLI3, BSLI4), it is also supervised by the Brazilian Securities and Exchange Commission (CVM), which regulates public offerings, market disclosure and the bank’s activities in capital markets and custody. The group also complies with specific regulations related to foreign exchange, rural credit, real estate credit, open finance, anti–money laundering and international standards such as FATCA, through BRB DTVM, which imposes high standards of governance, transparency and compliance.

In the environmental, social and governance field, Banco de Brasília – BRB incorporates sustainable development and social responsibility into its business strategy, mainly through its development portfolio and social impact initiatives in the Federal District. The institution conditions part of its development activities on socio-environmental responsibility criteria, directing credit to entrepreneurial initiatives with this profile. Instituto BRB, the conglomerate’s social arm, promotes initiatives in education, employability, culture, health, sports and solidarity, with a track record of a large number of beneficiaries served over the years. Its sponsorship of sports, cultural and leisure activities, as well as the management and revitalization of public facilities such as the Brasília TV Tower and the Brasília International Autodrome, reinforces the bank’s role in policies to promote social well-being and enhance urban spaces, integrating its function as a regional development bank with institutional relationship practices and brand building.