{"id":2116,"date":"2020-10-11T14:21:43","date_gmt":"2020-10-11T17:21:43","guid":{"rendered":"https:\/\/ir-agiinc.mz-sites.com\/?post_type=press_releases&#038;p=2116"},"modified":"2026-01-23T14:23:00","modified_gmt":"2026-01-23T17:23:00","slug":"resultados-3o-trimestre-de-2020","status":"publish","type":"press_releases","link":"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-3o-trimestre-de-2020\/","title":{"rendered":"Resultados | 3\u00ba Trimestre de 2020"},"content":{"rendered":"<p><strong>Porto Alegre, 11 de novembro de 2020\u00a0<\/strong>\u2013 O\u00a0<strong>Banco Agibank S.A<\/strong>. (\u201cBanco\u201d ou \u201cAgibank\u201d), banco digital omnichannel que oferece solu\u00e7\u00f5es para melhorar o dia a dia e facilitar a vida financeira das pessoas, anuncia seus\u00a0<strong>resultados do terceiro trimestre de 2020 (3T20)<\/strong>\u00a0e do\u00a0<strong>acumulado dos nove meses de 2020 (9M20).\u00a0<\/strong>As demonstra\u00e7\u00f5es financeiras foram elaboradas com base nas pr\u00e1ticas cont\u00e1beis emanadas pela legisla\u00e7\u00e3o societ\u00e1ria brasileira, associadas \u00e0s normas e instru\u00e7\u00f5es do Conselho Monet\u00e1rio Nacional (CMN) e do Banco Central do Brasil (BACEN).<\/p>\n<h4>Highlights:<\/h4>\n<ul>\n<li style=\"list-style-type: none\">\n<ul>\n<li>Em linha com a estrat\u00e9gia de\u00a0<strong>banco de relacionamento,<\/strong>\u00a0mais de\u00a0<strong>230 mil clientes j\u00e1 recebem seu benef\u00edcio ou sal\u00e1rio pelo Agibank\u00a0<\/strong>em set\/20, um crescimento de 250% em rela\u00e7\u00e3o ao mesmo per\u00edodo do ano anterior, conferindo principalidade e oportunidades de cross-selling;<\/li>\n<li>Volume de\u00a0<strong>transa\u00e7\u00f5es digitais<\/strong>\u00a0aumentou\u00a0<strong>113,3%<\/strong>\u00a0no 3T20 comparado ao 3T19, indicando um avan\u00e7o significativo na utiliza\u00e7\u00e3o dos produtos e servi\u00e7os do Banco pelos clientes, acompanhado de uma redu\u00e7\u00e3o de\u00a0<strong>35,5%<\/strong>\u00a0no custo por transa\u00e7\u00e3o, indicando a captura de ganhos de escala;<\/li>\n<li>O nosso NPS (Net Promoter Score) atingiu 75 pontos no m\u00eas de setembro, o que \u00e9 substancialmente acima da m\u00e9dia do setor banc\u00e1rio;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Carteira de\u00a0<\/strong>Cr\u00e9dito atingiu R$ 1.868,1 milh\u00f5es no per\u00edodo, avan\u00e7o d<strong>e 14,6%\u00a0<\/strong>em rela\u00e7\u00e3o ao saldo de set\/19, com destaque para as carteiras de cr\u00e9dito pessoal para correntistas<strong>\u00a0(+125,7%)<\/strong>, cr\u00e9dito consignado\u00a0<strong>(+168,7%)<\/strong>\u00a0e cart\u00e3o de cr\u00e9dito consignado\u00a0<strong>(+56,7%)<\/strong>;<\/li>\n<li>A parcela da carteira de cr\u00e9dito cuja renda dos clientes \u00e9 proveniente do governo federal atingiu 93,2% do portf\u00f3lio total em set\/20;<\/li>\n<li>Redu\u00e7\u00e3o de\u00a0<strong>24,3%<\/strong>\u00a0da taxa m\u00e9dia de juros do cr\u00e9dito pessoal n\u00e3o consignado em set\/20, comparada ao mesmo per\u00edodo do ano anterior;<\/li>\n<li>A inadimpl\u00eancia diminuiu no per\u00edodo, medida tanto pelo o NPL (E-H) que passou de\u00a0<strong>34,6%<\/strong>\u00a0da carteira de cr\u00e9dito bruta em set\/19 para 15,0% em set\/20, ou seja, menos da metade do patamar do ano anterior, tanto pela PCLD que, em set\/19, representava 30,2% da carteira de cr\u00e9dito bruta, e que atingiu 13,5% em set\/20, o que representa uma redu\u00e7\u00e3o expressiva de\u00a0<strong>16,7<\/strong>\u00a0p.p.;<\/li>\n<li>Resultado de Intermedia\u00e7\u00e3o Financeira atingiu R$ 233,4 milh\u00f5es, o que representa um aumento de 15,4% em rela\u00e7\u00e3o ao 3T19;<\/li>\n<li>Receita de Servi\u00e7os cresceu\u00a0<strong>50,0%<\/strong>\u00a0no 3T20, principalmente em raz\u00e3o do aumento das comiss\u00f5es oriundas da distribui\u00e7\u00e3o de produtos de seguros, com mais de 300 mil vidas seguradas em set\/20;<\/li>\n<li>Lucro L\u00edquido totalizou\u00a0<strong>R$ 32,0 milh\u00f5es no 3T20\u00a0<\/strong>(+72,2% y\/y), e\u00a0<strong>R$ 70,7 milh\u00f5es\u00a0<\/strong>no acumulado dos nove meses (+117,7% y\/y), fruto, principalmente, de um maior resultado de intermedia\u00e7\u00e3o, gerado por uma altera\u00e7\u00e3o paulatina no perfil da carteira de cr\u00e9dito, favorecendo linhas com menor risco e que geraram menores despesas de PDD, o que resultou em um ROAE de\u00a0<strong>23,3%<\/strong>\u00a0e um ROAA de\u00a0<strong>4,8%;<\/strong><\/li>\n<li>\u00cdndice de Basileia de\u00a0<strong>13,1%\u00a0<\/strong>e LCR de<strong>\u00a03.247,0%\u00a0<\/strong>ilustram as satisfat\u00f3rias posi\u00e7\u00f5es de capital e liquidez da institui\u00e7\u00e3o, respectivamente;<\/li>\n<li>Patrim\u00f4nio L\u00edquido atingiu\u00a0<strong>R$ 591,2 milh\u00f5es<\/strong>\u00a0no per\u00edodo (+19,8% y\/y) e a posi\u00e7\u00e3o de Caixa do Banco atingiu R$ 913,3 milh\u00f5es em set\/20.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/api.mziq.com\/mzfilemanager\/v2\/d\/80ccf8c0-9d6f-4172-bdb5-6e7a88962d6a\/fff7085a-b25f-5a9d-e002-4ce583067009?origin=2\" target=\"_blank\" rel=\"noopener\">Para acessar o Relat\u00f3rio da Administra\u00e7\u00e3o, clique aqui.<\/a><\/p>\n","protected":false},"featured_media":0,"template":"","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"class_list":["post-2116","press_releases","type-press_releases","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Resultados | 3\u00ba Trimestre de 2020 - Agi Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-3o-trimestre-de-2020\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Resultados | 3\u00ba Trimestre de 2020 - Agi Inc.\" \/>\n<meta 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(\u201cBanco\u201d ou \u201cAgibank\u201d), banco digital omnichannel que oferece solu\u00e7\u00f5es para melhorar o dia a dia e facilitar a vida financeira das pessoas, anuncia seus\u00a0resultados do terceiro trimestre de 2020 (3T20)\u00a0e do\u00a0acumulado dos nove meses de 2020 (9M20).\u00a0As demonstra\u00e7\u00f5es financeiras foram elaboradas com base nas pr\u00e1ticas [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-3o-trimestre-de-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Agi Inc.\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-23T17:23:00+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/press_releases\\\/resultados-3o-trimestre-de-2020\\\/\",\"url\":\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/press_releases\\\/resultados-3o-trimestre-de-2020\\\/\",\"name\":\"Resultados | 3\u00ba Trimestre de 2020 - Agi Inc.\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/investors.agiinc.com\\\/#website\"},\"datePublished\":\"2020-10-11T17:21:43+00:00\",\"dateModified\":\"2026-01-23T17:23:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/press_releases\\\/resultados-3o-trimestre-de-2020\\\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/press_releases\\\/resultados-3o-trimestre-de-2020\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/press_releases\\\/resultados-3o-trimestre-de-2020\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Resultados | 3\u00ba Trimestre de 2020\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/investors.agiinc.com\\\/#website\",\"url\":\"https:\\\/\\\/investors.agiinc.com\\\/\",\"name\":\"Agi Inc.\",\"description\":\"Investor Relations\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/investors.agiinc.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Resultados | 3\u00ba Trimestre de 2020 - Agi Inc.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-3o-trimestre-de-2020\/","og_locale":"pt_BR","og_type":"article","og_title":"Resultados | 3\u00ba Trimestre de 2020 - Agi Inc.","og_description":"Porto Alegre, 11 de novembro de 2020\u00a0\u2013 O\u00a0Banco Agibank S.A. 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