Transaction consolidates the bank's position as a recurring issuer in the Brazilian capital markets

SÃO PAULO, Aug. 4, 2025 /PRNewswire/ -- Agibank, a digital bank operating a unique business model through a hybrid platform that combines the efficiency and scalability of digital with the reach and personalized service of physical presence, has announced the conclusion of another strategic issuance in the corporate debt market, raising BRL 4 billion through a debenture offering. The proceeds will be used to optimize the bank's capital structure, diversify its liabilities and sustain the expansion of its credit portfolio under competitive and efficient terms.

The transaction was executed in thirty-seven tranches, with a final maturity of 74 months, and bears interest of CDI + 1.00% per annum, with principal and interest due at the end of each respective tranche. The issuance was placed in the market through a public offering with automatic registration, combined with a private placement, both exclusively targeted at professional investors. The debentures are backed by credit operations originated by the bank, in accordance with pre-established eligibility criteria.

Proceeds will be fully allocated toward credit portfolio growth, liability profile extension and further diversification of funding sources.

"We remain committed to capital discipline, sustainable growth and returns above our cost of capital, while staying true to our purpose of building a banking experience that embraces and empowers all Brazilians," said Marcello Dubeux, Chief Financial Officer and Head of Investor Relations at Agibank.

The issuance comes at a time when the bank is reporting solid operational performance. In Q1 2025, Agibank posted net income of BRL 350.5 million, with a return on average equity (ROAE) of 45.2%, year-over-year loan book growth of 52.4% (reaching BRL 27 billion), and a 90-day NPL ratio of 2.9%, with a coverage ratio of 226%.

In April, Moody's Local upgraded Agibank's rating from A+.br to AA-.br, citing the bank's strong profitability and sustained asset quality during a period of accelerated expansion.

Agibank currently serves more than 5 million active clients and operates a network of over 1,000 proprietary Smart Hubs across Brazil.

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SOURCE Agibank