Agi Inc · NYSE:AGBK
Agi — Q2 2026 Earnings Presentation
14 slides from Agi's earnings presentation, Aug 5, 2026
Slide 1: Agi 1Q26 Earnings Release
agi 1Q 26 Earnings Release Agi Inc.
Slide 2: Introduction and Letter from the Founder
earnings release 1Q26 Introduction São Paulo, May 5, 2026 – Agi Inc. (“Agi”), a leading technology-powered provider of specialized financial services in Brazil, invites the investor community to its 2026 first quarter earnings release. Agi listed at the New York Stock Exchange on February 11, 2026,
Slide 3: Letter from the COO of Agi Inc. and CEO of Banco Agibank
earnings release 1Q26 ` We remain committed to transparency. We intend to continue to enhance our communication with investors, ensuring that our disclosures evolve alongside the business and provide a clear, comprehensive view of our performance and strategic direction. We pursue these opportunitie
Slide 4: Business Units structure and AI impact
earnings release 1Q26 The Business Units enable greater depth, specialization, and end-to-end accountability across each vertical, enhancing the quality of decision-making and bringing strategy closer to execution. Our current operating model has been instrumental in supporting the Company’s growth
Slide 5: Key Indicators
earnings release 1Q26 ` Key Indicators Key Figures (R$ millions) 1Q26 4Q25 Var.% 1Q25 Var.% Total Active Clients ('000) 7,069.9 6,715.4 5.3% 4,631.7 52.6% Total Revenues 2,996.6 2,958.5 1.3% 2,424.9 23.6% Net Interest Income 1,268.6 1,220.1 4.0% 1,158.9 9.5% Earnings Before Taxes 216.1 238.1 -9.3% 5
Slide 6: Monthly Performance Evolution
Monthly Performance Evolution Throughout the quarter, Agi experienced a consistent sequential improvement in its operational metrics, reflecting a clear recovery trajectory following the temporary disruptions observed in the second half of last year. As a reference point, we define “Pre-Suspension L
Slide 7: Summary of Quarterly Results
earnings release 1Q26 ` Summary of Quarterly Results Clients. Total Active Clients grew 52.6% in a yearly comparison, reaching 7.1 million clients by end of 1Q26. For the purposes of our high-touch strategy, we define “active customers” as those who hold at least one product as of the end of the qua
Slide 8: Credit Quality and Credit Origination
earnings release 1Q26 Credit Quality. Non-Performing Loans over 90 days (NPL>90) reached 3.6% by the end of March 2026, 0.1 p.p. lower than previous quarter as a result of the normalization of defaulting cohorts from the previous quarters. Nevertheless, NPLs by end of 1Q26 of the overall portfolio r
Slide 9: Deposits and funding
earnings release 1Q26 ` Deposits. Agi has a long-standing relationship with the credit market in Brazil, as a recurring issuer of Debt Securities, with the goal of diversifying funding sources to sustain the growth of the loan operations. Our ALM (Assets & Liabilities Management) strategy is conserv
Slide 10: Efficiency
earnings release 1Q26 Efficiency. With proprietary network of physical and digital channels, Agi is a highly efficient and scalable business model. Operating Efficiency Ratio for 1Q26 was 43.2%, improving 250bps versus the previous quarter, highlighting the recovery of operations in the beginning of
Slide 11: Balance Sheet
earnings release 1Q26 ` Consolidated Financial Statements 1Q26 - Agi Inc – IFRS For 4Q25 and earlier quarters, Agi Financial Holding Balance Sheet ASSETS 1Q26 4Q25 Var.% 1Q25 Var.% Cash and cash and equivalents 1,002.4 327.3 206.3% 269.0 272.7% Financial Assets Measured At Fair Value Through Profit
Slide 12: Income Statement
earnings release 1Q26 Consolidated Financial Statements 1Q26 - Agi Inc – IFRS For 4Q25 and earlier quarters, Agi Financial Holding Income Statement Reconciliation of Recurring Net Income and Recurring Earnings Before Taxes to Net Income and Earnings Before Taxes. Excludes non-recurring effects from
Slide 13: earnings release 1Q26
earnings release 1Q26 ` 13
Slide 14: Investor Relations
Investor Relations MARCELLO WINIK DUBEUX CFO & IRO [email protected] FELIPE GASPAR OLIVEIRA IR, M&A and PR Executive Manager [email protected] CASSIANO DE MATTIA TRAMONTIN Investor Relations Specialist [email protected] JOAO PEDRO CHIANTIA Investor Relations Analyst joao.chi