Slide 1: Earnings Presentation
Código QR O conteúdo gerado por IA pode estar incorreto. Click or read the Earnings QR Code to MD&A 1Q25 Presentation
Slide 2: Execution of the corporate strategy and value creation
Adjusted Net Income Value added to Society (DVA) Execution of 2023 and 2024 2023 and 2024 the corporate strategy and value creation R$ 73.5 R$ 171.5 billion billion 2 | 25
Slide 3: The new line of private payroll loan
Leading player in The new line of private payroll loan R$ 3 billion In disbursements 68 k companies 4,7 k cities served 3 | 25
Slide 4: Earnings 1Q25
Adjusted Net 7.4 Income R$ billion Loan Portfolio 1,277.8 Expanded View R$ billion Net Interest 23.9 Earnings Income R$ billion 1Q25 Cost of 10,2 Credit R$ billion Fee 8.4 Income R$ billion Administrative 9.5 Expenses R$ billion CET 1 10,97% mar/25 4 | 25
Slide 5: Proximity and Connection
Proximity and Interactions Platform and CRM 360 Connection integration Average +417% number of interactions 86.7 Best of physical and digital Reframing the bank branch million far beyond bank customers Ponto BB Constant search for the best experience Technology Investment +30% 1Q25/1Q24 +1,000 new e
Slide 6: Largest financial conglomerate
BB Asset Resources Managed R$ 1.7 trillion + R$ 29 bn in net funding in the 1Q25 One of the BB Consórcios Record revenues in 1Q25 world’s R$ 818 million largest + 120k quotes financial Mercado de Capitais conglomerate R$ 121 billion In 36 operarations in the 1Q25 Cielo in the SME flow Integration of
Slide 7: Support to Brazilian companies
Support to brazilian companies Pronampe e PEAC - FGI R$ 30 billion in balance Corporate Loan Portfolio R$ 261.5 billion in balance in Mar/25 Acting at Value Chain 77| |22 7 |22 25
Slide 8: Acting in Agro
Acting in Agro Agribusiness Ciricuit Side by side with producers at agri-fairs R$ 12.5 billion in business prospects by May 2025 Carreta Agro 2025: More than 250,000 km NPL +90 days : 3.04% Collection and recovery actions 8 | 25
Slide 9: Sustainability
The Sustainability bank World's most sustainable bank for the 6th time The Brazilian bank and company that generates the most sustainable revenue 13th year on the Dow Jones Sustainability Index 9 | 25
Slide 10: Commitment to the continuous generation of value
Commitment to the continuous generation of 10 | 25
Slide 11: Click or read the QR Code and watch the videocast
Código QR O conteúdo gerado por IA pode estar incorreto. Click or read the QR Code and watch the videocast from the earnings presentation with our CFO and the IR TeamI 11 | 25
Slide 12: Earnings 1Q25 and 2025 Guidance
Earnings 1Q25 2025 Guidance¹ Adjusted Net Income 7.4 Em revisão 37 41 R$ billion Net Interest 23.9 Em revisão 111 115 Income R$ billion Cost of 10.2 Em revisão 38 42 Credit¹ R$ billion Fee Income 8.4 34.5 36.5 R$ billion Administrative 9.5 38.5 40 Expenses R$ billion (1) According to material fact p
Slide 13: Adjusted Net Income
Adjusted Net Income R$ billion ROE 21.7 20.8 % 16.7 -20.7% -23.0% 9.3 9.6 7.4 1Q24 4Q24 1Q25 13 | 25
Slide 14: Net Interest Income
Net Interest Income R$ billion Global TMS (%) TR (%) Spread (%) 5.1% 5.0% 2.68% 2.99% 0.41% 4.5% 2.62% 0.13% 0.24% 1Q24 4Q24 1Q25 1Q24 4Q24 1Q25 1Q24 4Q24 1Q25 -7.2% Managerial -10.9% NII Accounting NII 25.7 26.8 23.9 1Q24 4Q24 1Q25 Δ% Y/Y Δ% Q/Q Net Interest Income 25,734 26,791 23,881 (7.2) (10.9)
Slide 15: Cost of Credit
Cost of Credit R$ billion 4,01% 4,03% 4,03% Expenses/loan portfolio (%) Flow by Segment Internal Loan Portfolio +18.9% +9.6% (10.9) (9.3) (10.2) (1.7) Companies (8.5) ALL Expenses 2024 (4.0) Individuals Expected Loss 2025 -10.2 -11.1 -10.0 Discount Granted Agribusiness (5.2) Impairments -0.4 -0.2-0.
Slide 16: Expanded Loan Portfolio
Expanded Loan Portfolio¹ R$ billion NPL and Coverage Ratio (%) +14.4% 5.53 NPL +30 days 4.13 4.38 4.56 4.64 +1.1% 3.86 NPL +90 days 2.90 3.00 3.33 3.32 1,264.5 1,277.8 Coverage 196.0 191.3 177.6 171.3 184.8 1,117.0 NPL Formation (%) Coverage 104.9 100.0 93.2 88.7 77.5 New NPL (%) 0.98 0.96 1.22 1.09
Slide 17: Individuals Loan Portfolio
Individuals Loan Portfolio R$ billion NPL +30 days individuals (%) 6.81 6.78 6.81 6.43 7.33 Mar/24 Jun/24 Sep/24 Dec/24 Mar/25 +6.6% +1.2% INPL + 90 days individuals (%) 331.8 335.8 4.77 4.81 5.03 4.66 5.10 315.0 Mar/24 Jun/24 Sep/24 Dec/24 Mar/25 Coverage + 90 days (%) 170.5 171.9 163.7 163.4 176.8
Slide 18: Companies Loan Portfolio
Companies Loan Portfolio R$ billion NPL +30d Companies (%) 4.51 4.62 4.63 4.54 6,00 +22.4% +1.6% Mar/24 Jun/24 Sep/24 Dec/24 Mar/25 452.6 459.9 NPL +90d Companies (%) 375.8 3.19 3.38 3.58 3.51 4,06 249.7 261.5 Corporate 194.5 Mar/24 Jun/24 Sep/24 Dec/24 Mar/25 Companies Coverage ratio (%) SME 125.0
Slide 19: Agribusiness Loan Portfolio
Agribusiness Loan Portfolio R$ billion NPL +30d Agribusiness (%) 1.70 2.45 3.02 3.74 4.11 +9.0% +2.1% Mar/24 Jun/24 Sep/24 Dec/24 Mar/25 397.7 406.2 372.5 NPL +90d Agribusiness (%) 1.19 1.32 1.97 2.45 3.04 Mar/24 Jun/24 Sep/24 Dec/24 Mar/25 Coverage +90 days (%) 178.3 198.0 165.3 134.5 183.6 Mar/24
Slide 20: CMN Resolution No. 4,966/21
CMN Resolution No. 4,966/21 Expected Loss by Stage mar/25 Stage 1 Stage 2 Stage 3 Individuals 1.0% 22.0% 68.5% R$ billion 285.2 35.2 Loan Portfolio 15.3 R$ billion 24.1 2.8 3.4 Stage 1 Stage 2 Stage 3 Companies 0.4% 23.8% 79.4% 0.7% 23.3% 72.6% R$ billion 302.0 976.1 86.1 28.9 8.8 23.0 62.5 41.3 1.1
Slide 21: Fee Income
Fee Income R$ million 1Q24 4Q24 1Q25 Δ% Y/Y Δ% Q/Q Fee Income 8,344 9,192 8,361 0.2 (9.0) Asset Management 2,175 2,300 2,497 14.8 8.6 Insur., Pens. Plans & Premium Bonds 1,457 1,512 1,489 2.2 (1.6) Checking Account 1,552 1,680 1,472 (5.1) (12.4) Consortium Management Fees 690 764 818 18.5 7.0 Credit
Slide 22: Administrative Expenses
Administrative Expenses R$ million 1Q24 4Q24 1Q25 Δ% Y/Y Δ% Q/Q Administrative Expenses (8,878) (9,502) (9,496) 7.0 (0.1) Personnel Expenses (5,880) (6,285) (6,322) 7.5 0.6 Wages and Salaries (2,778) (3,455) (2,966) 6.8 (14.1) Personnel Administrative Provisions (909) (1,092) (1,063) 16.9 (2.7) Bene
Slide 23: CET 1
CET 1 15.13 13.75 14.14 Tier II 13.88 BIS III 12.66 13.27 (%) Tier I 11.90 10.89 10.97 0 CET 1 Mar/24 Dec/24 Mar/25 0.29 0.11 (0.27) (0.01) (0.04) CET 1 10.97 (%) 10.89 Actuarial + Net Resolution Prudential CET1 4,966 MtM+ Adjustements RWA CET1 income Dec/24 FX Variation Mar/25 23 | 25
Slide 24: Guidance
Range Observed between 1Q25 Loan Portfolio² 5.5% and 9.5% 12.5% Individuals 7% and 11% 6.6% Companies 4% and 8% 22.6% Agribusiness 5% and 9% 9.0% 2025 Sustainable Loan Portfolio 7% and 11% 9.6% Net Interest Income Under review 23.9 R$ bn Cost of Credit³ Under review 10.2 R$ bn Guidance¹ Fee 8.4 R$ b
Slide 25: bb.com.br/ir
@ a bb.com.br/ir