Banco BV

Banco BV

Brazilian bank offering retail and corporate financial services

Overview

Banco BV is a Brazilian bank founded in 1988 and headquartered in Sao Paulo, jointly owned by the Votorantim Group and Banco do Brasil, ranking among the country's largest private banks. It serves individuals through a digital account with Pix, cashback credit cards, personal, payroll, and vehicle-secured loans, vehicle and solar financing, insurance, and CDB investments, while serving companies with cash management, capital markets, foreign exchange, derivatives, and corporate banking. What sets Banco BV apart is its deep roots in auto lending, its BVx innovation unit, and its practice of offsetting the CO2 tied to the vehicles it finances. The goal is to turn credit into lasting relationships that help customers and businesses reach their financial goals.

About Banco BV

Simplify's Rating
Why Banco BV is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial Services

Company Size

5,001-10,000

Company Stage

N/A

Total Funding

N/A

Headquarters

Piracicaba, Brazil

Founded

1991

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Simplify's Take

What believers are saying

  • 1Q26 recurring profit reached R$481 million and ROE hit 15.5%, sustaining momentum.
  • 2Q26 recurring profit rose to R$491 million with R$102.3 billion credit portfolio.
  • BV gained momentum in collateralized lending and national dealer promotions, expanding distribution quickly.

What critics are saying

  • January 2026 layoffs of about 200 workers exposed cost pressure and internal restructuring.
  • 4Q25 credit costs jumped 32.6%, cutting recurring profit 14.2% despite record vehicle originations.
  • Persistent Selic-driven spread compression and rising delinquencies can crush auto-loan economics within 2026.

What makes Banco BV unique

  • Banco BV led Brazilian used-car finance for 13 straight years through 2025.
  • Its 2025 digital credit origination reached R$3.9 billion, up 45% year over year.
  • BV also structured over R$60 billion in capital markets operations during 2025.

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Benefits

Hybrid Work Options

Company News

Exame
Jan 17th, 2024
Cibra, de fertilizantes, capta R$ 300 milhões após multiplicar receita por 10 desde 2012 | Exame

O aporte servirá para dar seguimento ao plano de expansão da companhia. Na lista estão a construção de fábricas em Sinop, no Mato Grosso, e em São Luís, no Maranhão, além da aquisição de unidades de produção e armazenamento de fertilizantes

Isto É Dinheiro
Dec 14th, 2023
Totvs, Vibra, Banco BV e fundos aportam R$ 22 mi em startup de ESG

Portal de notícias e análises de economia, negócios, finanças, tecnologia e investimentos

Globo
Dec 14th, 2023
Startup ESG recebe aporte de R$ 22 milhões de Totvs, Vibra, Banco BV e fundos

A DEEP faz monitoramento de indicadores ESG, em especial, de emissões poluentes. Dinheiro será usado para investir em pesquisa e expandir funcionalidades para atender a novas demandas regulatórias

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