Brazilian Banks Improve Profitability, Led by Digital Players

<!DOCTYPE html> <html lang="en-US"> <head> <title>Brazilian Banks Improve Profitability, Led by Digital Players</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <meta http-equiv="X-UA-Compatible" content="ie=edge" /> <meta name="google-site-verification" content="ywo6cX-b4noB6WSEkiQRbhTNBsV3oDtuR2vuG7rh8Xs" /> <meta name="msapplication-TileImage" content="https://www.pymnts.com/wp-content/uploads/2022/08/favicon-270.jpg" /> <link rel="shortcut icon" href="https://www.pymnts.com/wp-content/uploads/2022/08/favicon-32x32-1.png" sizes="32x32" /> <link rel="shortcut icon" href="https://www.pymnts.com/wp-content/uploads/2022/08/android-chrome-192x192-1.png" sizes="192x192" /> <link rel="apple-touch-icon-precomposed" href="https://www.pymnts.com/wp-content/uploads/2022/08/favicon-180.jpg" /> <script src="https://www.google.com/recaptcha/api.js?render=6Le36I4kAAAAAMCdrtj4Jb9rq43eln5c4Zt33TLI"></script> <link rel="alternate" type="application/rss+xml" title="RSS 2.0" href="https://www.pymnts.com/feed/" /> <link rel="alternate" type="text/xml" title="RSS .92" href="https://www.pymnts.com/feed/rss/" /> <link rel="alternate" type="application/atom+xml" title="Atom 0.3" href="https://www.pymnts.com/feed/atom/" /> <link rel="pingback" href="https://www.pymnts.com/xmlrpc.php" /> <link rel="dns-prefetch" href="https://www.google.com"> <link rel="dns-prefetch" href="https://stats.g.doubleclick.net"> <link rel="dns-prefetch" href="https://googleads.g.doubleclick.net"> <link rel="dns-prefetch" href="https://fonts.gstatic.com"> <link rel="dns-prefetch" href="https://www.google-analytics.com"> <link rel="preload" as="script" href="/wp-content/themes/flex-mag-sixspoke/2022/js/bootstrap.bundle.min.js" /> <link rel="preload" href="/wp-content/themes/flex-mag-sixspoke/2020/bootstrap-icons.css" as="style" onload="this.onload=null;this.rel='stylesheet'"> </script> <link rel="preload" as="script" href="https://ak.sail-horizon.com/spm/spm.v1.min.js?ver=5.5.10" /> <script src='https://ak.sail-horizon.com/spm/spm.v1.min.js?ver=5.5.10' type='text/javascript' async></script> <script type="text/javascript" src="https://www.pymnts.com/wp-content/themes/flex-mag-sixspoke/2022/js/bootstrap.bundle.min.js"></script> <link rel="stylesheet" href="/wp-content/themes/flex-mag-sixspoke/2022/2022-style.css?92"> <link rel="stylesheet" href="/wp-content/themes/flex-mag-sixspoke/2020/bootstrap-icons.css"> <link rel="preconnect" href="https://fonts.googleapis.com"> <link rel="preconnect" href="https://fonts.gstatic.com" crossorigin> <link href="https://fonts.googleapis.com/css2?family=Roboto:wght@300;400;500;700&display=swap" rel="stylesheet">  <script> if ('serviceWorker' in navigator) { navigator.serviceWorker.getRegistrations().then(function(registrations) { for (let registration of registrations) { registration.unregister() } }).catch(function(err) { console.log('Service Worker registration failed: ', err); }); } </script> </script> <noscript>  <style> .lazyload { display: none; } </style> </noscript> <script> // ST vendor var tag = { "options": { "customerId": "067919d33ae6486b1e5a249a7b40663c" } }; window.addEventListener("load", function() { console.info("ST loaded"); if (tag.isCustom) { jQuery(function($) { Sailthru.init({ customerId: tag.options.customerId, isCustom: true, autoTrackPageview: tag.options.autoTrackPageview, useStoredTags: tag.options.useStoredTags, excludeContent: tag.options.excludeContent, }); }); } else { Sailthru.init({ customerId: tag.options.customerId }); } }); var deferredLoadImages = () => {} /*! 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display-6"> Brazilian Banks Improve Profitability, Led by Digital Players </h1> <div class="post-info-right left relative article-author-box mb-2"> <div class="post-info-name"> <div class="row"> <div class="col-6 my-auto"> <span class="post-info-text small muted text-uppercase">By</span> <span class="author-name vcard fn small muted text-uppercase fw-bold" itemprop="author"> <a href="https://www.pymnts.com/author/pymnts/" title="Posts by PYMNTS" rel="author">PYMNTS</a> </span> <span class="small muted d-none d-md-inline"> | </span> <span class="small muted text-uppercase d-block d-md-inline">November 21, 2024</span> </div> <div class="col-6 text-end my-auto">  <a href="https://www.facebook.com/sharer.php?u=https://www.pymnts.com/digital-first-banking/2024/brazilian-banks-improve-profitability-led-by-digital-players/&t=Brazilian+Banks+Improve+Profitability%2C+Led+by+Digital+Players" title="Share on Facebook"><i class="bi bi-facebook me-1 text-dark"></i></a><a href="https://twitter.com/share?text=Brazilian+Banks+Improve+Profitability%2C+Led+by+Digital+Players -&url=https://www.pymnts.com/digital-first-banking/2024/brazilian-banks-improve-profitability-led-by-digital-players/" title="Tweet This Post"><i class="bi bi-twitter-x mx-1 mx-1 text-dark"></i></a><a href="https://www.linkedin.com/shareArticle?mini=true&url=https://www.pymnts.com/digital-first-banking/2024/brazilian-banks-improve-profitability-led-by-digital-players/&title=Brazilian+Banks+Improve+Profitability%2C+Led+by+Digital+Players&summary=&source=" title="Share on LinkedIn"><i class="bi bi-linkedin mx-1 mx-1 text-dark"></i></a><a href="mailto:?subject=Brazilian Banks Improve Profitability, Led by Digital Players&BODY=I found this article interesting and want to share it with you. Check it out: https://www.pymnts.com/digital-first-banking/2024/brazilian-banks-improve-profitability-led-by-digital-players/"><i class="bi bi-envelope-fill ms-1 me-0 ms-1 me-md-1 text-dark"></i></a> <span class="d-none d-md-inline"> | </span> <span class="d-block d-md-inline"> <button class="d-none d-lg-inline-block noHover audioPlay border-0 px-0 article-play-button fw-normal py-1 my-0" type="button" value="Play"> <i class="bi bi-play-circle-fill mx-1 text-dark"></i></button> <button class="d-lg-none noHover audioPlay border-0 px-0 article-play-button fw-normal py-1 my-0" type="button" value="Play"><span class="listenToArticle small text-uppercase"></span><i class="bi bi-play-circle-fill text-dark mx-1"></i></button> <button class="noHover audioPause border-0 px-0 article-pause-button py-1 my-0"><i class="bi bi-pause-circle-fill text-dark mx-0"></i></button> </span> </div></div> </div> </div> <div id="post-feat-img" class="left relative mb-3"> <img class="py-desktop w-100 h-auto pymnts-featured-sm-image " width="1000" height="600" alt="Brazil, digital banking" src="https://www.pymnts.com/wp-content/uploads/2024/11/Brazil-digital-banking.jpg?w=768" /> </div> <div class="post-feat-text"> </div>  <div id="pymnts-content2296523" class="single lh-article mt-1 lnk-article"> <p>Digital banks reportedly led Brazilian banks’ profitability improvements during the first half of the year.</p> <p>The country’s digital banks saw their annual return on equity (ROE) rise from 11.45% at the end of December to 19.1% at the end of June, outpacing the banking system as a whole, which saw its ROE rise from 14.23% to 15.11%, Reuters <a class="editor-rtfLink" href="https://www.reuters.com/business/finance/digital-banks-lead-profitability-gains-among-brazilian-lenders-says-central-bank-2024-11-21/" target="_blank" rel="noopener">reported</a> Thursday (Nov. 21), citing data from the central bank’s Financial Stability Report.</p> <p>The central bank said the increase among the digital banks was due to “positive effects of operational leverage through the monetization of customer bases by some institutions and lower pressure from provisioning expenses.”</p> <p>Brazil’s digital banks include <a class="editor-rtfLink" href="https://nubank.com.br/en/" target="_blank" rel="noopener">Nubank</a>, <a class="editor-rtfLink" href="https://inter.co/" target="_blank" rel="noopener">Banco Inter</a> and <a class="editor-rtfLink" href="https://www.c6bank.com.br/" target="_blank" rel="noopener">C6 Bank</a>, according to the report.</p> <p>During a press conference, <a href="https://www.linkedin.com/in/ailton-aquino-9605ab18b/?originalSubdomain=br" target="_blank" rel="noopener">Ailton de Aquino</a>, director of supervision at the central bank, said that digital banks have a “robust” credit model and that their evolution reflects the central bank’s efforts to promote innovation and competition, per the report.</p> <p>Addressing reports that Brazil’s largest digital bank, Nubank, was considering relocating to the United Kingdom, Aquino said the central bank is “aware” of that, according to the report.</p> <p>It was reported Wednesday (Nov. 20) that Nubank is considering moving its <a class="editor-rtfLink" href="https://www.pymnts.com/news/digital-banking/2024/report-nubank-considers-moving-legal-base-to-uk/" target="_blank" rel="noopener">legal base</a> to the U.K., with the bank’s holding company, <a class="editor-rtfLink" href="https://www.investidores.nu/en/" target="_blank" rel="noopener">Nu Holdings</a>, working with the British government to make the move.</p> <p>A spokesperson for Nubank <a class="editor-rtfLink" href="https://www.bloomberg.com/news/articles/2024-11-20/brazilian-fintech-nubank-said-to-consider-domicile-move-to-uk?srnd=phx-industries&sref=zNmRQ0gk" target="_blank" rel="noopener">told</a> Bloomberg that the company “continuously reviews its corporate legal structure” and has not made a decision on the move.</p> <p><a class="editor-rtfLink" href="https://www.pymnts.com/news/digital-banking/2024/latam-draws-fintechs-seeking-to-transform-digital-banking/" target="_blank" rel="noopener">Latin America</a> is a key target for FinTechs seeking to transform financial services, with the trend driven by digitally savvy consumers, underbanked and even unbanked populations, and a regulatory environment conducive to digital innovation, PYMNTS reported in September.</p> <p>In May, Banco Inter said it plans to acquire the remaining 50% of <a class="editor-rtfLink" href="https://www.pymnts.com/acquisitions/2024/banco-inter-to-gain-full-ownership-of-merchant-acquirer-granito/" target="_blank" rel="noopener">merchant acquirer</a> <a class="editor-rtfLink" href="https://interpag.co/lp-granito-english/" target="_blank" rel="noopener">Granito</a>, giving it full ownership of the company.</p> <p>“By fully owning Granito, we will further enhance our value proposition to our customers, making our financial super app a full suite of solutions to business owners and entrepreneurs,” <a class="editor-rtfLink" href="https://br.linkedin.com/in/jo%C3%A3ovitormenin" target="_blank" rel="noopener">Joao Vitor Menin</a>, CEO of Banco Inter parent company <a class="editor-rtfLink" href="https://investors.inter.co/" target="_blank" rel="noopener">Inter&Co</a>, said in a press release. “It also further expands our footprint in the Brazilian market.”</p> <div class="pymnt-c897e07b0eecbf57929d5c686028ba76 pymnt-bottom-of-article" id="pymnt-c897e07b0eecbf57929d5c686028ba76"></div> <div id="bottom-ad"> </div> <div class="row row-cols-1 row-cols-lg-1 recommended-articles" style="clear:both;"> <div class="col mb-1"> <h4 class="header-border text-uppercase small mb-0"> <span class="border-layer border-secondary"> Recommended </span> </h4> <div class="row item noBorderLast remove-col-3"> <div class="col-12 col-md-3 border-bottom border-light py-2 fw-bolder recommended-1"> <a 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