Banco Do Brasil S.a. · BMFBOVESPA:BBAS3

Banco Do Brasil — Q3 2023 Earnings Presentation

16 slides from Banco Do Brasil's earnings presentation, Nov 8, 2023

  1. Slide 1: Public Meeting and Earnings Presentation

    #interna PUBLIC MEETTING AND EARNINGS PRESENTATION For further info Point your mobile for MD&A 3Q23

  2. Slide 2: Earnings

    #interna Earnings Commitment to consistent results Adjusted Net Income R$ billion Inductor of the best ESG practices 26.1 Protagonist in digital 22.9 + 14.0% transformation and 9M23/9M22 technological innovation Close and relevant in people’s lives 9M22 9M23 2 | 16

  3. Slide 3: Corporate Strategy

    #interna Trends 1 research SWOT Megatrends Strategic themes 2 videoconferences Macroeconomic Scenario Corporate Collaborative Value to shareholders Strategy construction with all levels Discussions and Competition 3 technical analyzes 2024 – 2028 performance and new of employees of specific topics A

  4. Slide 4: Corporate Strategy

    #interna Our Purpose Our Values Be close and Proximity Innovation relevant in people’s Corporate Strategy Efficiency Integrity lives at all times Commitment Diversity to society Our Objectives and Drivers Customers ESG Digital People and Financial Provide the best Create value and generate Be a prot

  5. Slide 5: Results

    #interna Results Resultado Adjusted Net Income R$ billion ROE % 21.9 21.3 21.3 20.6 21.3 +14.0% +4.5% 26.1 22.9 9M21/9M20 8.4 8.8 8.8 3Q22 2Q23 3Q23 9M22 9M23 5 | 16

  6. Slide 6: Loan Portfolio Expanded View

    #interna Loan Portfolio Expanded View¹ SME R$ billion +14.2% +4.2% Individuals 106.2 116.4 121.3 +10.0% +7.9% +2.0% +0.7% Corporate 1,066.2 281.9 302.1 304.1 1,044.9 +0.6% 969.2 -5.0% 190.4 201.6 191.5 Agribusiness Government +18.9% +0.8% +5.7% +9.0% 321.6 339.9 321.2 321.6 338.8 286.0 58.1 53.8 58.

  7. Slide 7: ALL Expanded View

    #interna ALL Expanded View R$ billion 2.6 3.1 3.3 Credit Risk (ALL) Credit Recovery Cost of Credit (%)¹ +45.1% -4.2% +7.9% -0.9% +66.4% +101.2% +4.7% 2.2 2.1 2.1 -6.3 -8.5 -9.2 Discounts Granted Impairments -10.2 +48.3% -42.9% -20.3% -72.7% -4.5 -0.2 -0.1 -0.3 -7.2 -7.5 -20.5 -0.5 -0.4 -0.3 3Q22 2Q2

  8. Slide 8: Credit Quality

    #interna Credit Quality NPL +90 days (%) NPL +90 days by segment (%) 3.60 3.50 5.25 5.44 5.39 5.27 5.02 3.30 3.00 3.04 2.80 2.81 2.13 2.58 2.73 1.83 1.47 2.31 2.49 2,49 2.62 2.65 2.63 2.51 0.47 0.52 0.59 0.58 0.71 2.34 Sep/23 Dec/23 Mar/23 Jun/23 Sep/23 Sep/22 Dec/22 Mar/23 Jun/23 Sep/23 Individuals

  9. Slide 9: Net Interest Income

    #interna Net Interest Income R$ billion Managerial View Accounting View 9.3 8.9 9.0 Funding Expenses Loan Operations Clients Spread (%) +19.2% +24.2% 4.2 4.9 4.9 +30.4% +2.4% +8.5% NIM (%) 33.6 34.4 67.7 28.9 7.7 +21.1% 51.9 -16.8 -19.2 -20.8 0.7 +3.5% Treasury¹ Financial Expenses for Institutional

  10. Slide 10: Fee and Expenses Dynamics

    #interna Fee and Expenses Dynamics Cost-to-Income Ratio 28.0% Fee Administrative Income +5.0% Expenses +8.0% R$ billion R$ billion 26.9 25.1 23.9 24.9 +1.7% +9.2% +4.6% +1.5% 9.8 9.0 9.0 9.2 8.5 8.3 8.7 8.4 3.2 3.5 3.0 15.9 17.1 5.4 5.8 5.7 3Q22 2Q23 3Q23 9M22 9M23 3Q22 2Q23 3Q23 9M22 9M23 Personnel

  11. Slide 11: CET 1

    #interna CET 1 16.72 16.24 Tier II 15.72 14.74 14.64 14.13 BIS Ratio (%) Tier I 11.77 12.21 12.49 CET 1 Sep/22 Jun/23 Sep/23 0.53 0.02 0.60 12.49 12.21 -0.11 -0.22 -0.54 (%) CET 1 Net Income HCDI MtM+EV¹ Prudential Res. 229 RWA CET 1 Jun/23 Dividends Devolution Adjustments Sep/23 (1) ARS x BRL Excha

  12. Slide 12: Guidance

    #interna Guidance Released Presented 9M23 growth between Loan Portfolio Expanded View¹ 9.0% and 13.0% +10.7% growth between Individuals 7.0% and 11.0% +7.9% growth between Companies 8.0% and 12.0% +5.5% growth between Agribusiness 14.0% and 18.0% +18.9% growth between Net Interest Income 22.0% and 2

  13. Slide 13: #interna

    Selo Assiduidade APIME C Brasil 13|16

  14. Slide 14: Here Comes BB Day!

    #interna Here Comes BB Day! Save the date February 29 2024 th, 14 | 16

  15. Slide 15: Forward-looking statements disclaimer

    #interna and risks that are difficult This presentation to predict, and therefore, makes references and there may be statements about consequences or results expectations, planned different from those synergies, growth anticipated and discussed estimates, projections here. of results and future stra

  16. Slide 16: bb.com.br/ir

    #interna bb.com.br/ir

Banco Do Brasil — Q3 2023 Earnings Presentation on 6ix