{"id":2119,"date":"2020-08-12T14:21:49","date_gmt":"2020-08-12T17:21:49","guid":{"rendered":"https:\/\/ir-agiinc.mz-sites.com\/?post_type=press_releases&#038;p=2119"},"modified":"2026-01-23T15:55:48","modified_gmt":"2026-01-23T18:55:48","slug":"resultados-1o-semestre-de-2020","status":"publish","type":"press_releases","link":"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-1o-semestre-de-2020\/","title":{"rendered":"Resultados | 1\u00ba Semestre de 2020"},"content":{"rendered":"<p><main class=\"main\"><\/p>\n<div class=\"wpContent\">\n<div class=\"container\">\n<div class=\"wpContent\">\n<div class=\"container\">\n<h4>Highlights:<\/h4>\n<ul>\n<li>Em linha com a estrat\u00e9gia de<strong>\u00a0banco de relacionamento,<\/strong>\u00a0o Agibank executou um movimento importante no per\u00edodo ao reduzir em\u00a0<strong>22,7% a taxa m\u00e9dia de juros do cr\u00e9dito pessoal n\u00e3o consignado,<\/strong>\u00a0conforme \u00e9 poss\u00edvel consultar no site do Banco Central;<\/li>\n<li>O Banco atingiu\u00a0<strong>805,1 mil contas\u00a0<\/strong>em junho de 2020, um avan\u00e7o de 25,1% em rela\u00e7\u00e3o ao mesmo per\u00edodo do ano anterior;<\/li>\n<li><strong>Volume de transa\u00e7\u00f5es digitais<\/strong>\u00a0aumentou\u00a0<strong>86,8%\u00a0<\/strong>no\u00a0<strong>1S20,\u00a0<\/strong>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>42,0%<\/strong>\u00a0no\u00a0<strong>custo por transa\u00e7\u00e3o,<\/strong>\u00a0indicando a captura de ganhos de escala;<\/li>\n<li>Carteira de Cr\u00e9dito atingiu R$\u00a0<strong>1.642,4 milh\u00f5es<\/strong>\u00a0no per\u00edodo, redu\u00e7\u00e3o de\u00a0<strong>1,4%<\/strong>\u00a0em rela\u00e7\u00e3o ao saldo de dez\/19, com destaque para a parcela da carteira de cr\u00e9dito sob risco federal que atingiu<strong>\u00a092,0%\u00a0<\/strong>do portf\u00f3lio total em jun\/20;<\/li>\n<li><strong>A inadimpl\u00eancia diminuiu no per\u00edodo<\/strong>, medida por dois indicadores: o\u00a0<strong>NPL<\/strong>\u00a0(E-H) passou de 34,6% da carteira de cr\u00e9dito bruta em jun\/19 para 16,7% em jun\/20, ou seja, menos da metade do patamar do ano anterior, e a\u00a0<strong>PCLD<\/strong>\u00a0que, em jun\/19, representava 32,6% da carteira de cr\u00e9dito bruta, atingiu 14,0% em jun\/20, o que representa uma redu\u00e7\u00e3o expressiva de 18,6 p.p.;<\/li>\n<li><strong>\u00cdndice de Basileia<\/strong>\u00a0de\u00a0<strong>13,9%<\/strong>\u00a0e\u00a0<strong>LCR<\/strong>\u00a0de\u00a0<strong>7.040,1%\u00a0<\/strong>ilustram as satisfat\u00f3rias posi\u00e7\u00f5es de capital e liquidez da institui\u00e7\u00e3o, respectivamente;<\/li>\n<li>A posi\u00e7\u00e3o de Caixa do Banco atingiu<strong>\u00a0R$ 1.115,4 milh\u00f5es\u00a0<\/strong>em jun\/20, um aumento de\u00a0<strong>12,8%\u00a0<\/strong>em rela\u00e7\u00e3o ao saldo de jun\/19;<\/li>\n<li><strong>Lucro L\u00edquido<\/strong>\u00a0totalizou\u00a0<strong>R$ 38,7 milh\u00f5es<\/strong>\u00a0no\u00a0<strong>1S20 (+178,4% y\/y)<\/strong>, 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\u00a0<strong>ROAE<\/strong>\u00a0<strong>de 21,9%<\/strong>\u00a0e um<strong>\u00a0ROAA de 4,3%;<\/strong><\/li>\n<li><strong>Patrim\u00f4nio L\u00edquido<\/strong>\u00a0atingiu\u00a0<strong>R$ 550,2 milh\u00f5es<\/strong>\u00a0no per\u00edodo (+14,3% y\/y).<\/li>\n<\/ul>\n<p><a href=\"https:\/\/api.mziq.com\/mzfilemanager\/v2\/d\/80ccf8c0-9d6f-4172-bdb5-6e7a88962d6a\/0a4e61d6-fc9f-9ac7-e1ae-f2e5ff75c731?origin=2\" target=\"_blank\" rel=\"noopener\">Para acessar o Relat\u00f3rio da Administra\u00e7\u00e3o, clique aqui.<\/a><\/p>\n<\/div>\n<div class=\"container\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><\/main><\/p>\n<footer class=\"c-footer\">\n<div class=\"container\">\n<div class=\"row\">\n<div class=\"col-12 c-footer__navigation\">\n<div class=\"c-footer__navigation__sitemap d-flex flex-column\">\n<nav class=\"\">\n<ul id=\"menu-menu-primario-1\" class=\"primary-menu\">\n<li class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-860\"><\/li>\n<\/ul>\n<\/nav>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/footer>\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-2119","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 | 1\u00ba Semestre 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-1o-semestre-de-2020\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Resultados | 1\u00ba Semestre de 2020 - Agi Inc.\" \/>\n<meta property=\"og:description\" content=\"Highlights: Em linha com a estrat\u00e9gia de\u00a0banco de relacionamento,\u00a0o Agibank executou um movimento importante no per\u00edodo ao reduzir em\u00a022,7% a taxa m\u00e9dia de juros do cr\u00e9dito pessoal n\u00e3o consignado,\u00a0conforme \u00e9 poss\u00edvel consultar no site do Banco Central; O Banco atingiu\u00a0805,1 mil contas\u00a0em junho de 2020, um avan\u00e7o de 25,1% em rela\u00e7\u00e3o ao mesmo per\u00edodo do [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-1o-semestre-de-2020\/\" \/>\n<meta property=\"og:site_name\" content=\"Agi Inc.\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-23T18:55:48+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=\"2 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-1o-semestre-de-2020\\\/\",\"url\":\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/press_releases\\\/resultados-1o-semestre-de-2020\\\/\",\"name\":\"Resultados | 1\u00ba Semestre de 2020 - Agi Inc.\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/investors.agiinc.com\\\/#website\"},\"datePublished\":\"2020-08-12T17:21:49+00:00\",\"dateModified\":\"2026-01-23T18:55:48+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/press_releases\\\/resultados-1o-semestre-de-2020\\\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/press_releases\\\/resultados-1o-semestre-de-2020\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/press_releases\\\/resultados-1o-semestre-de-2020\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\\\/\\\/investors.agiinc.com\\\/pt-br\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Resultados | 1\u00ba Semestre 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 | 1\u00ba Semestre 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-1o-semestre-de-2020\/","og_locale":"pt_BR","og_type":"article","og_title":"Resultados | 1\u00ba Semestre de 2020 - Agi Inc.","og_description":"Highlights: Em linha com a estrat\u00e9gia de\u00a0banco de relacionamento,\u00a0o Agibank executou um movimento importante no per\u00edodo ao reduzir em\u00a022,7% a taxa m\u00e9dia de juros do cr\u00e9dito pessoal n\u00e3o consignado,\u00a0conforme \u00e9 poss\u00edvel consultar no site do Banco Central; O Banco atingiu\u00a0805,1 mil contas\u00a0em junho de 2020, um avan\u00e7o de 25,1% em rela\u00e7\u00e3o ao mesmo per\u00edodo do [&hellip;]","og_url":"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-1o-semestre-de-2020\/","og_site_name":"Agi Inc.","article_modified_time":"2026-01-23T18:55:48+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. tempo de leitura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-1o-semestre-de-2020\/","url":"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-1o-semestre-de-2020\/","name":"Resultados | 1\u00ba Semestre de 2020 - Agi Inc.","isPartOf":{"@id":"https:\/\/investors.agiinc.com\/#website"},"datePublished":"2020-08-12T17:21:49+00:00","dateModified":"2026-01-23T18:55:48+00:00","breadcrumb":{"@id":"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-1o-semestre-de-2020\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-1o-semestre-de-2020\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/investors.agiinc.com\/pt-br\/press_releases\/resultados-1o-semestre-de-2020\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/investors.agiinc.com\/pt-br\/"},{"@type":"ListItem","position":2,"name":"Resultados | 1\u00ba Semestre 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"}]}},"acf":[],"_links":{"self":[{"href":"https:\/\/investors.agiinc.com\/pt-br\/wp-json\/wp\/v2\/press_releases\/2119","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/investors.agiinc.com\/pt-br\/wp-json\/wp\/v2\/press_releases"}],"about":[{"href":"https:\/\/investors.agiinc.com\/pt-br\/wp-json\/wp\/v2\/types\/press_releases"}],"wp:attachment":[{"href":"https:\/\/investors.agiinc.com\/pt-br\/wp-json\/wp\/v2\/media?parent=2119"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}