Agibank Concludes Third FIDC Issuance, Totaling R$ 2.1 Billion

The transaction supports Agibank’s funding diversification strategy and expands its credit origination capacity.

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The transaction supports Agi’s funding diversification strategy and expands credit origination capacity

SÃO PAULO--(BUSINESS WIRE)-- Agibank (the “Bank”), a bank that operates a hybrid platform combining the efficiency and scalability of digital with the proximity and service of a physical presence, announces the closing of the issuance of Class A shares (quotas) of the Fundo de Investimentos em Direitos Creditórios Agibank III Responsabilidade Limitada (“FIDC Agibank III”), totaling R$ 2.1 billion. Agibank is a subsidiary of Agi Inc. (NYSE: AGBK) (“Agi”).

The issuance, carried out in two series, features a 132-month maturity and an interest rate equal to the CDI rate + 1.05% per annum. The fund, structured as a Brazilian limited liability closed-end investment fund, is backed by credit rights originating from INSS (Brazilian National Social Security Institute) payroll-deductible loans. The structure is administered by Oliveira Trust DTVM, with management by Oliveira Trust Servicer S.A. and co-management by Agibank Asset Management LTDA. The offering was conducted for public distribution under the automatic registration procedure and private placement in Brazil.

“The completion of this issuance confirms our ability to access different funding sources efficiently and on a recurring basis. The consistency in executing these operations enhances our financial flexibility and strengthens our expansion in a segment where we possess deep expertise, payroll-deductible loans,” highlights Marcello Dubeux, Chief Financial Officer and Investor Relations Officer at Agi.

The transaction, aimed at professional investors, reflects the market’s confidence in the quality of the company’s assets and the resilience of its business model. The FIDC Agibank III quotas were assigned an ‘AAA.br’ rating by Moody’s Local.

“This transaction is a fundamental strategic step in our liability management. Ensuring diversified, long-term funding sources is essential to guarantee predictability and sustainable growth capacity, while maintaining our non-negotiable focus on credit origination with discipline and profitability,” states Glauber Correa, CEO of Agibank.

About Agi

Agi stands for a banking experience that welcomes and empowers all Brazilians through a business model that is unique in Brazil. Designed to serve a customer base that represents the majority of the Brazilian population, our model addresses needs that remain outside the priorities of traditional large banks and purely digital banks. We fill a gap in the market by serving, with quality and dignity, customers who are often overlooked.

Our hybrid model combines the best of both worlds: a fully digital bank that is light, fast, and easy to use, complemented by physical branches that offer a welcoming, agile, and accessible in-person experience for all Brazilians. We develop tailored solutions and provide a simple, inclusive customer journey for non-digital-native clients, creating a meaningful competitive advantage. This approach enables us to attract more customers, build long-lasting relationships, and strengthen our growth trajectory.

No Offer

This press release does not constitute an offer to sell or the solicitation of an offer to buy any securities.

Forward Looking Statements

This press release contains "forward-looking statements" within the meaning of the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995. These forward-looking statements are made as of the date they were first issued and were based on current expectations, estimates, forecasts and projections as well as the beliefs and assumptions of management. Words such as "expect," "anticipate," "should," "believe," "hope," "target," "project," "goals," "estimate," "potential," "predict," "may," "will," "might," "could," "intend," variations of these terms or the negative of these terms and similar expressions are intended to identify these statements. Forward-looking statements are subject to a number of risks and uncertainties, many of which involve factors or circumstances that are beyond Agi Inc’s control. Agi Inc’s actual results could differ materially from those stated or implied in forward-looking statements due to several factors, including but not limited to: competition, regulatory or tax developments, changes in its business, industry, or local or global economic and other developments.

View source version on businesswire.com: https://www.businesswire.com/news/home/20261001688487/en/

Press & Investor Contact
Media: agibank@icrinc.com
Investors: investors.agiinc.com

Source: Agi Inc.

Key Terms

fidc financial

A FIDC (Fundo de Investimento em Direitos Creditórios) is an investment fund that pools and sells rights to receive payments—like a basket of IOUs from loans, invoices or other receivables—so investors earn income from the cash flows those receivables generate. It matters to investors because it offers a way to earn yield tied to lending and payment performance, while exposing them to credit risk, collection risk and differences in liquidity compared with stocks or bonds.

cdi rate financial

The CDI rate is the short-term interest rate at which banks lend money to each other overnight in Brazil, and it serves as a common benchmark for interest earned on many local savings and investment products. Think of it as the economy’s reference price for borrowing and lending cash: when the CDI moves, it directly affects returns on fixed-income investments and the cost of loans, so investors watch it to gauge likely yields and risk-adjusted comparisons.

closed-end investment fund financial

A closed-end investment fund is a pool of money managed by professionals that issues a fixed number of shares which trade on an exchange like a stock; the manager uses the pooled cash to buy assets according to a stated strategy and the fund’s market price can differ from the underlying value of its holdings. It matters to investors because you gain ready market access to a diversified portfolio, potential income and professional management, and the chance to buy or sell shares at a discount or premium to the fund’s asset value — like buying a limited-edition item whose street price can move independently of its contents.

private placement financial

A private placement is a sale of securities directly to a selected group of investors, typically institutions or accredited investors, instead of through a public offering. It lets a company raise money faster and with fewer regulatory steps; for existing shareholders it matters because the newly issued shares, often sold at a discount, increase the share count and can dilute their ownership.