Banco Do Brasil S.a. · BMFBOVESPA:BBAS3
Banco Do Brasil — Q4 2025 Earnings Presentation
28 slides from Banco Do Brasil's earnings presentation, Feb 12, 2026
Slide 1: Earnings 4Q25
#interna Earnings For further info Scan the QR Code for MD&A 4Q25
Slide 2: Our history of delivery and resilience
Our history of delivery and resilience R$ 33.4 billion Dividends and IOC Distributed from 2023 to 2025 21.3 21.3 22.5 21.7 21.6 ROE 21.0 21.1 20.8 % 16.7 12.4 9.4 9.3 9.5 9.5 9.6 8.5 8.8 8.8 8,4 8,4 7.4 Adjusted Net Income 5.7 R$ billion 3.8 3.8 1Q23 2Q23 3Q23 4Q23 1Q23 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25
Slide 3: A year of resilience and courage
A year of resilience and courage May November Combination of factors Final adjustment of Guidance Cost of Credit, NII and Adjusted Net September Responsible solution for agribusiness Transparency and refinement of Income Guidance placed "Under evolving projections Review“ MP 1,314 (i) Worse-than-exp
Slide 4: Discipline in strategic execution
Discipline in strategic execution “The addition of new risk mitigators for credit operations brings... the origination of crops with safer, more profitable lines and better risks“ +63% of SME Operations Bonding real estate guarantees Tarciana Medeiros, 2Q25 With guarantee funds ~75%ofthe25/26CropPla
Slide 5: All this by investing in our people and ensuring customer satisfaction
All this by investing in our people and ensuring customer satisfaction With experience metrics on the rise NPS Historical record in 2025 +10 points Area of Excellence in Private, Public Sector, 2025/2022 and “Relationship and Customer Service” Central Bank Complaints Ranking 14 consecutive quarters
Slide 6: 2025 Earnings
2025 Earnings CET 1 Adjusted net income Net Interest Income 12.23% Guidance Observed R$ billion R$ billion 2025 2025 +51.7% between 4Q25/3Q25 +5.4% 7.4 4Q25/3Q25 Loan Portfolio1 3% and 6% 3.1% 5.7 26.4 27.8 7% and 10% Individuals 7.6% 25.1 23.9 Companies 0% and 3% 0.2% 3.8 3.8 Agribusiness 3% and 6%
Slide 7: BB MP 1314 Regulariza Agro
BBMP Slide com dados da Regulariza Agro 1314 (TBC) Lines to readjust the cash flow of producers – MP 1314 R$ 35.5 billion in volume R$ 32.2 billion Free Resources R$ 3.3 billion Supervised Resources 21 k customersbenefited| 29k operations QualifiedOrigination Operations guarantees Balance by region
Slide 8: Strategic 2026
2026 We will continue to make consistent progress in resuming growth in results, supported, once again, by the disciplined execution of our strategic agenda A bank for eachcustomer Digital capillarity with human proximity Strategic Creditmanagement Innovationand agility as drivers of culture Sustain
Slide 9: A bank for each customer
Consistent evolution of the service ecosystem Modernization of ambience and optimization of spaces Better allocation New concepts: of teams in Retail Ponto BB and Hub BB A bank Efficiency gains Cost reduction and Wholesale Structure adjusted to each for each Accessibility and Energy region and custo
Slide 10: Strategic Credit management
Grow with quality, with rebalancing of the Strategic portfolio mix, a robust framework of guarantees, and application of the Credit management resilience matrix, boosting the net margin Payroll Loan Ambition: 20% Non-payroll loans Credit card marketshare in Individuals Reinforcement of leadership in
Slide 11: Innovation and agility as drivers of culture
Innovation and agility Consistent strategy with people as drivers of culture at the center Artificialand Increased analytical Analytics maturity : +20% Intelligence Solutions that capture Upskilling e Digital Acceleration efficiencies and connect people Reskilling Movement More than 1,800 models Mor
Slide 12: Sustainability and Diversity as value drivers
Sustainability and Diversity Cross-cutting business model as value drivers in our strategy New Sustainable Environmental Diversity businesses Funding goals Reference in Driving diversity, Bioeconomy partnerships and We made progress equity, and inclusion Hub international on our BB 2030 fundraising
Slide 13: Macro scenario 2026
Macro scenario 2026 Preparedfor opportunities Selic Rate Unemployment Income tax exemption - law 12% 6.0% 15,570/25 At the end of 2026, with Historically the beginning of the Increased disposable income favorable level downward cycle in March and millions of customers benefiting Inflation Exchange r
Slide 14: 2026 Guidance
2026 Guidance Intervalo entre Loan Portfolio1 0.5% and 4.5% Individuals 6% and 10% Companies -3% and 1% Agribusiness -2% and 2% Sustainable Portfolio 2% and 6% Clear strategy Net Interest Income 4% and 8% Disciplined execution Cost of Credit2 R$ billion 53 and 58 Generating sustainable value Fee Inc
Slide 15: Slide 15
Slide 16: Guidance 2025
Released Observed between 2025 Guidance Loan Portfolio1 3% and 6% 3.1% 2025 Individuals 7% and 10% 7.6% Companies 0% and 3% 0.2% Agribusiness 3% and 6% 2.1% Sustainable Portfolio 7% and 10% 7.3% R$ billion R$ billion Net Interest Income 102 and 105 103.1 R$ billion R$ billion Cost of Credit2 59 and
Slide 17: Adjusted Net Income
Adjusted Net Income R$ billion ROE ROE % % 21.6 21.4 11.4 21.0 21.3 21.3 22.5 21.7 21.6 21.1 20.8 16.7 12.4 8.4 8.4 -45.4% -40.1% 37.9 35.6 9.4 9.3 9.5 9.5 9.6 8.5 8.8 8.8 +51.7% 7.4 20.7 5.7 3.8 3.8 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 4Q25 2023 2024 2025 17 | 28
Slide 18: Cost of Credit
Cost of Credit R$ billion Expenses/Loan Portfolio1 4.74% 5.35% (%) 3.86% +93.9% +73.5% +0.2% (61.9) Expected Loss Flow by Segment (Internal Loan) (17.9) (18.0) (35.7) 21% 23% (65.4) (9.3) Companies Individuals (17.9) (19.0) (41.4) Agribusiness ALLL Expenses 2024 Expected Loss 2025 (10.2) 56% Discoun
Slide 19: Loan Portfolio By Stage
CMN Resolution 4,966/21 Loan Portfolio Stage 2 Stage 3 By Stage Individuals Loan portfolio1 % 4.3 4.4 3.4 11.3 11.4 10.8 Provision/ Loan Portfolio2 % 21.3 22.3 28.8 64.6 63.6 66.0 Loan portfolio Jun/25 Sep/25 Dec/25 Jun/25 Sep/25 Dec/25 Stage 2 Stage 3 Companies Loan 3.4 3.4 2.9 8.3 8.4 8.3 2.0 2.0
Slide 20: Expanded Loan Portfolio
Expanded Loan Portfolio¹ R$ billion NPL and Coverage Ratio2 (%) 5.52 6.47 6.84 NPL +30d 5.14 4.36 +2.5% 4.51 5.17 3.16 3.63 3.96 NPL +90d +1.4% 4.88 Ex-Specific case Coverage +90d 209.5 187.5 183.2 174.3 155.4 1,264.5 1,278.6 1,296.5 Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 NPL Formation2 New NPL Coverage
Slide 21: Individuals
Individuals¹ Loan Portfolio R$ billion 7.33 7.76 8.13 8.41 Individuals 6.43 NPL +30d2 (%) +7.6% Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 +1.8% 350.5 357.0 331.8 6.56 Individuals 4.66 5.10 5.59 6.01 NPL +90d2 (%) Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 Individuals 163.4 176.8 162.5 152.1 Coverage +90d2 140.1 (%
Slide 22: Companies
Companies¹ Loan Portfolio R$ billion 5.29 4.82 5.20 4.96 Companies 4.15 Inad +30d2 (%) Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 +0.6% +0.5% Companies 3.30 3.71 3.85 3.40 3.75 Inad +90d2 452.6 453.0 455.2 (%) 2.86 Ex-Specific case Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 Corporate 249.7 258.9 260.4 194.4 183.7 2
Slide 23: Agribusiness
Agribusiness¹ Loan Portfolio R$ billion 7.06 8.28 Agribusiness 3.73 5.00 3.42 NPL +30d2 (%) +2.1% 4.84 6.09 Agribusiness 2.76 3.16 +1.8% NPL +90d2 2.23 (%) 397.7 398.8 406.1 187.4 210.3 173.5 158.2 Agribusiness 133.0 Coverage +90d2 (%) Dec/24 Mar/25 Jun/25 Sep/25 Dec/25 Judicial 980 928 Reorganizati
Slide 24: Net Interest Income
Net Interest Income TMS (%) TR (%) NIM 2.68% 3.70% 3.59% 0.52% 0.51% 5.0% 4.7% 5.0% 0.24% (%) 4Q24 3Q25 4Q25 4Q24 3Q25 4Q25 4Q24 3Q25 4Q25 R$ million Accounting +3.8% -0.8% NII 4Q24 3Q25 4Q25 Δ% Y/Y Δ% Q/Q 2024 2025 Δ% YTD R$ billion +5.4% 103.9 103.1 Net Interest Income 26,791 26,365 27,801 3.8 5.4
Slide 25: Fee Income and Administrative Expenses
Fee Income and Administrative Expenses Cost-to-income R$ billion Ratio 12 months 27.7% Fee Income Administrative Expenses -3.9% -1.9% +4.1% +5.1% -0.3% +0.8% (38.9) (37.0) 35.5 34.8 9.2 8.9 8.8 (9.5) (9.8) (9.9) (24.3) (25.8) Personnel (6.3) (6.6) (6.5) Expenses Other (12.7) (13.1) Administrative (3
Slide 26: Capital
Capital BIS Ratio (%) 13.75 14.81 15.13 0.89 0.87 Tier II 1.10 13.92 14.26 12.66 Tier I Payout 0 0 30% CET1 10.89 11.16 12.23 Dec/24 Sep/25 Dec/25 Earnings 0.26 0.04 1.44 per share (0.39) (0.28) R$3.18 CET1 (%) 11.16 12.23 Dividends and IOC Distributed R$5.2 bn Net Income Actuarial Provisional Prude
Slide 27: Guidance 2026
Range between Guidance Loan Portfolio1 0.5% and 4.5% 2026 Individuals 6% and 10% Companies -3% and 1% Agribusiness -2% and 2% Sustainable Portfolio 2% and 6% Net Interest Income 4% and 8% R$ billion Cost of Credit2 53 and 58 Fee Income 2% and 6% Administrative Expenses 5% and 9% R$ billion Adjusted
Slide 28: bb.com.br/ri
bb.com.br/ri