Banco Do Brasil S.a. · BMFBOVESPA:BBAS3
Banco Do Brasil — Q2 2026 Earnings Presentation
28 slides from Banco Do Brasil's earnings presentation, Aug 13, 2026
Slide 1: Earnings Presentation
#interna Earnings Presentation For further info Click or Scan the QR Code for MD&A 2Q26
Slide 2: Challenges can not be overcome through shortcuts
Challenges can not be overcome through shortcuts, but through clear direction and hard work 2 | 27
Slide 3: Earnings built on business generation
Adjusted Net Net Interest Income Income R$ 3.9 billion R$ 27.5 billion + 13.9% 2Q26/1Q26 + 0.2% 2Q26/1Q26 + 3.3% 2Q26/2Q25 + 9.6% 2Q26/2Q25 Earnings Fee Income Administrative Expenses built on R$ 9.1 billion R$ 10.1 billion business + 3.4% 2Q26/1Q26 + 4.2% 2Q26/2Q25 + 0.6% + 4.1% 2Q26/1Q26 2Q26/2Q25
Slide 4: Credit Management
Strategic Credit Management Individuals R$ 154 billion More Loan Portfolio Payroll Loan resilient R$ 358 billion Jun26 mix Enhanced + 4.4% Jun26/Jun25 Guarantees Expanded Loan R$ 16 billion Framework Crédito do trabalhador Portfolio Jun26 R$ 1.313 trillion Companies Loan Portfolio + 1.5% Jun26/Jun25
Slide 5: The largest agribusiness partner
The largest agribusiness partner Almost 600k Agribusiness credit customers 84% Crop 26 of producers have a relationship with BB Plan 27 for more than 10 years up to R$ 210 billion 93% of Brazilian municipalities with agribusiness lines 200+ cultures and funded activities 5 | 27
Slide 6: Provisional Measure 1,376/2026 agribusiness restructuring program
Provisional Measure 1,376/2026 BB potential portfolio for the agribusiness restructuring program Distribution Distribution by Up-to R$ 36.7 bn Non-Performing Loans by region portfolio R$ 100 4.3% R$ 63.5 bn Pronaf billion Extended orRenegotiated Performing Loans 30.5% Pronamp North 11.3k customers R
Slide 7: Primary Banking Relationship with High-Value customer
#interna Primary Banking Relationship with High-Value customer 12% High Value of the service network’s employees* Customer Base +4.3% Jun26/Dec24 +4% Growth of the Loan Portfolio* Network Optimization Estilo Investidor +12% +22% 2Q26/1Q26 AuM* Estilo Investidor branches More proximity and advice +15
Slide 8: Supporting customers in reorganizing their financial lives
Supporting customers in reorganizing their financial lives Novo Desenrola BB R$ 12.1 billion Renegotiations R$ 31 billion 2Q26 442k 40k Individuals Companies 10.2k 53k Rural Students and Producers alumni at FIES 8 | 27
Slide 9: More business opportunities
More business opportunities BB Move Brasil Partnership R$ 1.4 billion with Uber for cashback As of 08/11/2026 Increase in ~40% at BB Vehicle Loan Portfolio Diversification and risk mitigation More than 12.7k drivers served in Line with guarantee funds and real more than 1,100 municipalities guarante
Slide 10: People + Technology = Proximity²
𝑃𝑒𝑜𝑝𝑙𝑒 + 𝑇𝑒𝑐ℎ𝑛𝑜𝑙𝑜𝑔𝑦 = 𝑃𝑟𝑜𝑥𝑖𝑚𝑖𝑡𝑦² 100% of customers with remote Indicators human service in the app Leadership and AI-specific Organization Commitment AI assistants AI in credit Magnifying 3x more in 2026 renegotiation the use of AI and 6x more conversion new technologies s…
Slide 11: New BB App
New BB App The evolution of the digital experience Hyper-personalization and adaptation to usage behavior New social-based browsing experience Conversational journeys Performance evolution Artificial Intelligence 11 | 27
Slide 12: Business diversification and global presence for a complete service
Business diversification and global presence for a complete service Global Operations Connecting businesses and opening markets BB Conglomerate More than 80 companies BB Américas US$ 2 billion in real estate credit +161% Jun26/Dec22 Conglomerate's Contribution to Income 52% on average Digital Accoun
Slide 13: A bank that transforms adversity into solidity, agility and new opportunities
A bank that transforms adversity into solidity, agility and new opportunities 13 | 27
Slide 14: Resultados 2T26
Resultados 2T26
Slide 15: 2Q26 Adjusted Net Income
2Q26 Adjusted Net Fee Net Income Interest Income Income 3.9 R$ billion + 13.9% QoQ + 3.3% YoY 27.5 R$ billion + 0.2% QoQ + 9.6% YoY 9.1 R$ billion + 3.4% QoQ + 4.2% YoY Cost of Administrative CET1 Credit Expenses 18.5 -2.1% QoQ +16.1% YoY 10.1 + 0.6% QoQ + 4.1% YoY 11.27 % Jun/26 R$ billion R$ billi
Slide 16: Adjusted Net Income
Adjusted Net Income R$ billion 12.4 12.6 ROE % 8.4 8.4 8.3 7.9 7.3 -34.2% +3.3% 5.7 +13.9% 11.2 3.8 3.8 3.9 7.3 3.4 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26
Slide 17: Net Interest Income
Net Interest Income NIM Clients Spread Quarterly TMS Semiannual TMS 8.4% 4.8% 8.2% 3.41% 4.7% 6.84% 4.6% 8.0% 3.33% 3.32% 6.42% 2Q25 1Q26 2Q26 2Q25 1Q26 2Q26 2Q25 1Q26 2Q26 1H25 1H26 Managerial Accounting NII NII R$ billion +9.6% R$ million +0.2% +12.1% 2Q25 1Q26 2Q26 % YoY % QoQ 54.9 49.0 Net Inter
Slide 18: Cost of Credit
Cost of Credit R$ billion 5.78% 5.89% Expenses/Loan Portfolio¹ 4.33% (%) +16.1% -2.1% Expected Loss Flow by Segment -18.9 -18.5 -15.9 -8.4 Agribusiness -16.6 -18.8 Expected Loss Expense -17.4 -7.8 Individuals -3.5 -2.8 Companies Discounts Granted -0.5 -1.5 1.2 2Q26 Recovery of Write-offs 2.0 1.9 2Q2
Slide 19: Expanded Loan Portfolio
NPL and Coverage Ratio (%) Expanded Loan Portfolio¹ 7.66 R$ billion 6.47 6.84 6.51 NPL +30d 5.52 5.17 5.61 5.05 4.51 NPL +90d 3.96 +1.5% Coverage 183.2 174.3 +0.6% Ratio +90d 155.4 158.4 148.5 1,294.3 1,305.5 1,313.2 Jun/25 Sep/25 Dec/25 Mar/26 Jun/26 NPL Formation New NPL Coverage (%) 110.1 99.6 10
Slide 20: Individuals
Individuals NPL and Coverage Ratio (%) Loan Portfolio R$ billion 11.42 Individuals 8.13 8.41 9.30 7.76 NPL+30d 8.41 6.56 6.82 Individuals 5.59 6.01 NPL+90d +4.4% -1.2% Individuals Coverage 162.5 152.1 147.9 140.1 Ratio +90d 125.8 361.8 357.6 342.6 Total Payroll Loan Portfolio Jun/25 Sep/25 Dec/25 Ma
Slide 21: Agribusiness
Agribusiness NPL and Coverage Ratio (%) Loan Portfolio R$ billion 8.28 8.97 Agribusiness 7.06 7.35 NPL +30d 5.00 6.09 6.22 6.27 Agribusiness 4.84 NPL +90d 3.16 +4.1% +0.8% Agribusiness 210.3 Coverage Ratio 173.5 158.2 156.1 165.2 404.9 418.4 421.6 +90d Jun/25 Sep/25 Dec/25 Mar/26 Jun/26 NPL Formatio
Slide 22: Companies
Companies NPL and Coverage Ratio (%) Loan Portfolio R$ billion Companies NPL+30d 4.82 5.20 4.96 3.93 4.00 -2.5% Companies NPL+90d 3.85 3.75 +1.6% 3.40 3.18 468.0 449.0 456.2 2.87 Companies 206.9 Coverage Ratio 183.7 174.1 185.6 Corporate 271.2 257.3 +90d 166.7 256.5 Jun/25 Sep/25 Dec/25 Mar/26 Jun/2
Slide 23: Judicial Reorganization
Agribusiness Judicial Reorganization 209 New Clients 179 Inflow 162 167 Quantity 158 1.84 1.59 1.44 1.45 1.34 Volume of new legal proceedings R$ billion 2Q25 3Q25 4Q25 1Q26 2Q26
Slide 24: Maturities
Agribusiness Maturities 20.6 16.9 34% 16.1 15.9 Maturity Flow 18% 31% 13.6 13.7 (R$ billion) 29% 13.0 11.7 Contracted Crop 10.5 35% 41% after July 1, 2025 7% 45% 9.7 (%) 9.2 10% 53% 7.6 8% 82% 66% 57% 71% 69% 93% 90% 65% 59% Previous 92% 55% 47% Crops 43% (%) Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-2
Slide 25: Fee Income and Administrative Expenses
Fee Administrative Income Expenses 28.0% R$ billion R$ billion Cost-to-income Ratio 12m +4.2% +4.9% +4.1% +4.8% +3.4% +0.6% -20.1 -19.2 17.1 17.9 8.8 8.8 9.1 -9.7 -10.0 -10.1 -12.8 -13.6 Asset Management Personnel -6.4 -6.8 -6.8 +12.2% YoY Expenses Consortium +14.1% YoY Other -6.4 -6.5 Administrativ
Slide 26: Capital
Capital 14.14 14.23 13.91 0.64 BIS Tier II 0.88 13.59 0.64 Ratio Tier I 13.27 13.27 (%) 0 CET1 10.97 11.59 11.27 0 Jun/25 Mar/26 Jun/26 0.22 0.01 (0.18) CET1 (0.37) (%) 11.59 11.27 Net Prudential Mar/26 Income Actuarial Adjustments RWA Jun/26
Slide 27: Guidance
Guidance 2026 Released Observed between 1H26 Loan Portfolio¹ 0.5% and 4.5% 0.6% Individuals 6% and 10% 4.4% Companies -3% and 1% -6.4% Agribusiness -2% and 2% 4.1% Sustainable Portfolio 2% and 6% 8.8% Responsibility Net Interest Income 7% and 11% 12.1% appropriate to R$ billion R$ billion Cost of Cr
Slide 28: bb.com.br/ir
#interna bb.com.br/ir