Investor Presentaiton
FGTS
FGTS Flowchart
Main Inflows and Outflows
~80% of the FGTS budget is earmarked for Housing, constituting the
main source of resources for low-income housing in Brazil
Net Collection
R$ billion - According to FGTS Budget
Public
Policies
8% of wage
Workers
FGTS
Marketable
Securities
120.8
116.8
113.2
105.7
TR + 3% +
62.4
100% payout
55.1
43.0
Withdrawals
33.0
Net Collection
(+) Workers' Deposits
(-) Withdrawals
Net Income
(+) Revenues from Loans (Public Policies)
(+) Revenues from Marketable Securities
(-) Deposits Remuneration Expenses
(-) Administration Fee
FGTS Budget Execution - Full
R$ billion
79.6
2021
2022
2023
2024
2025
Plurianual 2022 2025
FGTS Budget Execution - Housing
R$ billion
Plurianual 2021 2024
FGTS
FUNDO DE GARANTIA DO TEMPO DE SERVICO
81.5
62.9
79.3
73.3
76.5
73.6
56.2
68.9
68.9
53.9
53.3
53.5
50.7
47.8
46.8
65.9
62.8
55.8
57.9
57.5
53.5
53.2
51.1
2015
2016
2017
2018
Budget
2019
Actual
2020
2021
2022
58.7
42.1
42.6
47.1
50.0
50.0
50.2
49.2
2015
2016
2017
2018
2019
2020
2021
2022
Budget
Actual
Source: FGTS. Diário Oficial da União (955/2020).
Note: (1) Net Collection and Net Profit according to Itaú BBA projections, and Cash in accordance with the FGTS Budget (Resolution 903/2018)
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