Loading organizations...
Key people at Banco Pine.
Banco Pine is a São Paulo, Brazil-based wholesale bank that specializes in providing corporate credit, secured structured financing, and financial consulting services to medium and large enterprises across the agribusiness, real estate, and infrastructure sectors. The publicly traded institution operates on the B3 exchange under the ticker PINE4, generating revenue through interest margins on corporate loans, capital markets advisory fees, and treasury operations. As of late 2023, the bank reported total assets exceeding R$ 18 billion, an expanded credit portfolio of over R$ 9 billion, and an annual net income of approximately R$ 180 million. The firm facilitates BNDES onlending lines and recently received corporate credit rating upgrades from major financial agencies including Standard & Poor's and Fitch Ratings. Banco Pine was founded in 1997 by Norberto Nogueira Pinheiro and Nelson Nogueira Pinheiro.
Key people at Banco Pine.
Banco Pine S.A. is a Brazilian wholesale bank established in 1997, specializing in financing for medium-sized companies through secured structured operations, alongside financial consulting, treasury products, and investment solutions.[1][5] It focuses on niche markets like agribusiness, corporate credit, payroll-backed loans, foreign exchange, risk management, and digital fixed-income investments via its free Pine Online platform, serving large corporate clients and investors with customized products for business growth.[2][3][4]
The bank demonstrates strong financial momentum, with its loan portfolio reaching R$15.6 billion ($2.7 billion) in Q2 2025—a 24% year-on-year increase—and net income of R$83 million ($15 million) for the quarter, up 13% from the prior period, alongside half-year net income of BRL 156.47 million.[2]
Banco Pine was founded in 1997 by Norberto N. Pinheiro, building on his family's financial market presence dating back to 1939 in Brazil.[5] This heritage instilled an ethical, entrepreneurial, and resilient approach, evolving the bank into a specialist in wholesale and collateralized retail banking for medium-sized and large corporate clients.[1][3]
Early focus centered on structured financing and BNDES onlending lines, expanding over 25+ years to include digital investments and agribusiness solutions amid Brazil's dynamic financial landscape.[1][4]
Banco Pine rides Brazil's digital banking wave and fintech integration, providing wholesale solutions like digital fixed-income platforms and payroll tech amid rising demand for efficient corporate financing in a market facing macroeconomic volatility since 2021.[2][4] Timing aligns with post-stabilization growth in Brazil's northwest region (20% fund allocation per IDB project) and agribusiness expansion, leveraging family-rooted expertise for structured operations in a sector dominated by larger players.[1][5]
It influences the ecosystem by enabling medium enterprises' sustainable growth through collateralized credit and risk tools, supporting exports/imports, and bridging traditional banking with digital access, thus bolstering financial inclusion for corporates in Latin America's largest economy.[1][3][4]
Banco Pine's trajectory points to continued portfolio expansion and profitability gains, fueled by digital platforms and niche lending amid Brazil's stabilizing economy, potentially targeting more agribusiness and international trade amid global commodity shifts.[2][4] Evolving regulations and fintech competition will shape its path, with its resilient model likely amplifying influence in mid-market financing.
This positions Banco Pine as a steady builder in Brazil's financial evolution, echoing its 1939 family roots into a digitally agile future.[5]
