The National Bank for Economic and Social Development (BNDES) recorded, in the first half of this year, a profit of R $ 13.3 billion. The result is similar to that of the first half of 2024. Credit injection in the economy increased by 56% of the same period last year, reaching R $ 129.6 billion in the first half of 2025.
The results were released by BNDES on Thursday (21). The data also show that There was an increase of R $ 204.2 billion in the bank’s total assets, in the current management, since the beginning of 2023, reaching R $ 888 billiona 30% growth compared to 2022. There was also an increase throughout the semester, of 5.6%. At the end of 2024, the bank’s assets totaled R $ 840.9 billion.
Regarding default, ie 90 days or more of late payments, the rate registered in the second quarter was 0.03% that, according to the bank, remains “significantly lower” to that of the national financial system, whose overall rate is 3.55% and the rate for large companies in June 2025 is 0.43%. The second quarter rate of this year is, however, higher than the first quarter, 0.001%.
The president of BNDES, Aloizio Mercadante, stressed that BNDES currently presents the second best result of the financial system.
“I want to register this to preserve the institutions of excellence of the Brazilian State. They bring return to growth, employment, innovation, decarbonization, reindustrialization of the country and to confront the climate crisis. It is an indispensable role and even a leverage of the private sector, capital market,” said the president.
BNDES is a federal public bank, aimed at long -term financing and investment in all segments of the Brazilian economy.
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Credit by sector
The highest growth in credit approvals went to the industry, reaching R $ 18.1 billion, a 24% increase over 2024 and 220% over 2022, and for agriculture, with R $ 17 billion20% advance compared to 2024 and 262% over 2022.
The credit approved for the Trade and Services Sector totaled R $ 13.5 billionwhich represents a 18% increase over 2024 and 124% over 2022; And, forNrastructure was R $ 24.2 billionan 8% drop on 2024, but a 53% increase over 2022.
The balance also showed that support for micro, small and medium enterprises (MPMES) increased in the first half of this year compared to last year. The guarantees provided by guaranteeing funds in operations carried out by financial agents reached R $ 56.8 billion, while credit approvals totaled R $ 32 billion, totaling the volume of R $ 88.8 billion support to these companies, an increase of 92% compared to the first half of 2024.
According to Mercadante, despite the national scenario adverse credit, with high rates, the Bank presented a good performance.
“Clearly monetary policy is a contractionist policy, to slow down credit offer. Our role as a public bank is to seek better results,” he says. “We are showing a very significant growth in credit volume. Very significant, in a diverse conjuncture.”
The PBank’s liquid atmium ended the first half of 2025 with the balance of R $ 165.3 billionaccording to the data presented, with an increase of R $ 6.9 billion compared to the balance of December 2024.
