C6 Bank reports net profit of R$ 2.5 billion in 2025

C6 Bank, a Brazilian bank that has JPMorganChase as a partner, recorded net income of R$ 2.5 billion in 2025, an increase of 8.5% compared to 2024. In the second half of last year, net income was R$ 1.41 billion, which represents an increase of 35% compared to the previous half. Return on equity (ROE) stood at 45% in the year.   

“The 2025 balance sheet highlights the strength and consistency of our business model and makes clear the bank's ability to deliver ROE above 40%”, and, marcelo Kalim, CEO of C6 Bank.  

The efficiency index, the ratio of operating expenses to net revenue fell from 57% in 2024 to 45% last year, reflecting the operating leverage the bank structure provides.  

A net revenue it grew 15% between 2024 and 2025, ending last year in R$ 9.2 billion. In the same period, operating expenses decreased from 9% to R$ 4.2 billion. Expenditure on provisions for doubtful debtors (PDD) closed the year in R$ 2.5 billion, up from 32% before 2024, due to the growth of the credit portfolio and the effects of CMN Resolution 4.966.  

A expanded credit portfolio the bank closed the year 2025 at R$ 89.3 billion, an expansion of 49% compared to 2024. The bank also recorded an increase in fundraising. The fundraising base of C6 Bank grew 36% between December 2024 and December 2025, from R$ 79.4 billion to R$ 108.3 billion.   

A default it stood at 2.9% in 2025, compared to the 2.6% recorded in 2024. Excluding the impact of CMN Resolution no. 4.966, the rate of late loans of 90 days or more would be 2.0% in December 2025. Low default results from the quality of the credit portfolio built by the bank over time, in which 80% correspond to secured credit, mainly payroll and vehicle financing.   

“Congratulations to C6 Bank for achieving solid results for the second year in a row. Its consistent growth reflects the commitment and innovative spirit of the” team, mark O’ovan, CEO of International Consumer Banking at JPMorganChase.   

With 40 million customers, C6 Bank DO, which operates in the areas of individuals, legal entities, wholesale, vehicles, home equity and payroll & HAS a portfolio of more than 100 products, services and features. In addition to checking account, card and points program, the bank offers a global account with dollar and euro balance and a platform that allows you to invest in assets in Brazil and abroad, all in the same application.