Slide 1: Earnings Call 4Q25
agi Earnings Call 4Q25
Slide 2: Disclaimer
agi Disclaimer "Ths presnaton speak atthe date href and AGI Tne (he "Company sur mo ligation to apse or keep erent the information continents presentation. Aayinfrnationexreszedheinissbject to chnge hou ote iy market othe hip tine inthis preematon see ctsined bythe Company fom hid-party sures While
Slide 3: Introduction: Message from the Founder
Introduction Message from the Founder , Chairman & CEO of Agi Ine.
Slide 4: Digital Bank + Nationwide Retail Network of Smart Hubs
+ Digital Bank + Nationwide Retail Network of Smart Hubs . Superior Who | * _ Serve Social Security Beneficiaries & Payroll Workers Hybrid A Ak weal ii : We lcome to (~100 million people or ~50% of Brazil’s Population) Medel e + Developed & Scaled a New Approach to the Market g + Help Consumers Acce
Slide 5: Guiding Principles
agi Always * Prioritize Customer Needs 1 Prioritize + Deliver the Best Service 3 C the Customer + Price Fairly ie Principles Continuously + Continuous Investing Enhance Our + Deliver the Best Experiences Technology + Operate Most Efficiently Focus On + Transparency & Communication Entrepreneurial &
Slide 6: Head of Investor Relations, M&A and PR
Head of Investor Relations, M&A and PR Chief Financial & Investor Relations Officer
Slide 7: Our Strategic Positioning
Our Strategic Positioning Expanding into more municipalities filling the gap left by the traditional banks and digital only players... 1,111 Smart Hubs Nationwide and Strategically Distributed Curent Concentration of Sars Hue = = + ... Capturing the opportunity in the Brazilian secured credit market
Slide 8: 2025 At a Glance
Active Clients Interest Bearing Assets (@ million) (R$ billion) +73% +63% 6.7 47.1 39 28.9 2025 At a Glance Highlights of 2095 me 204 2025 Yearly Growth Total Revenues Net Income (RS billion) (R$ million) +47% +32% 10.7 1,046.6 73 794.4 2024 2025 2024 2025 Ne rs ines tine he hn igs eA ei eT Pi ned a
Slide 9: Active Customers
Active Customers. (# million) +73" | +5% Customers | nd Expansion of the S| 64 57, Active Customer Base | 3.9 3.9 27 2.0 ia 2022 2023 224 2025 sors 3025 4025 49% cace (22-2025) ‘ee Ai Cte tamer ne tne cathe edo te te
Slide 10: Credit Portfolio
Credit Portfolio an wean essai +44 | +1% Credit Portfolio ' —- 5 349 | 34.5 34.9 Mix of Secured and | oo — Unsecured Loans 242 | naa : 17% 17% 16.2 10.3 = oes rs Ss = 2022 2023 2024 2025 : 4024 3Q25 4925 50% cace (22-2025) ‘eer eed taal aS Ppl CL ri isn th Astin nt os At Ci Pt Obed Ltd te
Slide 11: Becoming the Winner in Payroll Lending
Becoming the Winner in Payroll lending Leveraging our competitive advantages to keep growing market share Market share - INSS Payroll Credit 2.0% 2021, +250bps 8.9% 6.4% 47% 3.1% 2022 2023 2024 2025 +690bps 021-2025)
Slide 12: NPL and Coverage Ratio
NPL and Coverage Ratio overage Ratio over NPL>90 =eNPL>90- Total Portfolio 236.9% Credit Quality 208.1% z . 191.3% 189.4% Low delinquency ratios with comfortable levels of coverage ratio core 3.9% 3.7% 3.0% 2022 2028 2024 2025 Noe WL 90-Cltsedy vSegrenpesming ane S0cay Gon Cong i -CetdySeig ovn pete
Slide 13: Revenues
Revenues Growth in line with the evolution of assets Total Revenues (RS bn) +47% 10.7 73 5.0 : a 2022 2025 2024 2025 48 case (22-2025) aa 4024 3025 4025
Slide 14: NII and NIM
NIT and NIM hae mmvietinaresincome — eament +19” | Net Interest Income a7 | and NIM 40 | 29 ! 21 +2% -— 14 12 12 2022 2023 2024 2025 : 4024 3Q25 4925 31% cace (22-2025) Se eect engi nicin tomcat fle ih Pit or iu Ite ern et ie gC by ing eo sone
Slide 15: Revenues vs Expenses
Revenues vs Expenses sca + personnel Expenses “MmBNII+ Fees +++4+0 Operating Efficiency Ratio ($6) Efficiency We Built a Scalable Platform To Support Our Growth eae TA 2022 2023 2024 2025 40.6% Operating Efficiency Ratio 590 bp yiy improvement a Opi ya Cattyig e@)pre e @lig ek nr e() pnisn rt, att p
Slide 16: Net Income and ROE
Net Income and ROE (R$ million) Net Income —noe +32% Net Income | ROE above market | average +2% > 196.7 210.5 214.9 2022 2023 2024 2028 4024 3025 4025 82% cace 22-2025) ‘ee ten nity Cate yd te ete of heat artery he eg ety of het ie gues
Slide 17: Funding
Funding (RS bn) +50% Funding 378 Growth and diversification 25.3 = 16.8 - 70% 2022 2023 2024 2028 52” cace 22-2025) Noe etl feng ~Ciatedte f emn conet p an ie neepts C8) rear aringCdated theaof PGE, e ie, erSed rn il eitinn n Wiostitonal Retail +7* 378 353 253 ae 43% 0% a = 4024 3025 4025
Slide 18: Capital Adequacy Ratio - Basel III
Capital Adequacy Ratio - Basel IIT mTierTECapital —_mTier Ecapital, Capital 15.7% 15.5% Comfortable levels of 14.1% tio% capital adequacy to 24% leverage the credit operations ae 2022 2023 2024 2025 CAR would be ~19.0% in December 2025, if considering IPO proceeds
Slide 19: Thank you
Slide 20: Q&A