Bb Seguridade Participacoes Sa · BMFBOVESPA:BBSE3
Bb Seguridade Participacoes Sa — Q3 2025 Earnings Presentation
12 slides from Bb Seguridade Participacoes Sa's earnings presentation, Nov 4, 2025
Slide 1: BB Seguridade Earnings Presentation 3Q25
BB Seguridade Earnings Presentation 3Q25
Slide 2: Highlights | 3Q25 and 9M25
Highlights | 3Q25 and 9M25 Portfolio expansion³ 3Q25 9M25 Credit life for enterprises Credit life R$294mm R$160mm in premiums from in premiums from R$2.6bn R$6.8bn Net income¹ new SME credit lines private payroll +13.1% +13.7% loans Customer-centric strategies R$1.8bn R$5.3bn Operating result² NPS4
Slide 3: Our numbers
@ BB SEGuRos Pra tudo que importa Our numbers
Slide 4: Recurring managerial net income and net investment income
Recurring managerial net income and net investment income¹ Recurring net income (R$ mm) Consolidated net investment income³ (R$ mm) +14% 27.9% 20.3% 22.0% 6,830 16.2% 6,798 5,991 YoY: +13% 5,980 YoY: +55% +55% 1,497 2,562 967 2,436 2,276 2,265 714 460 IGP-M lag (11) 126 (11) (32) 3Q24 3Q25 9M24 9M25
Slide 5: Recurring managerial net income main components
Recurring managerial net income main components (R$ mm) Net investment income change Operating result change +R$530 mm +R$288 mm 114 426 125 6,798 445 111 19 (110) 6,268 (21) 5,980 (292) +R$8 mm (9M25) vs. -R$117 mm (9M24) +13.7% 1 –Changes on retained claims and acquisition costs, considering the r
Slide 6: Brasilseg
Brasilseg Premiums written (R$ bn) Retained premiums (R$ bn) Premiums written by segment YoY: -15% YoY: -8% Breakdown of -7.9% -2.9% Chg. On 9M24 On 3Q24 premiums 13.2 Rural 48.8% (11.6%) (24.4%) 12.2 11.4 11.0 Term life 22.3% +1.6% +4.2% Credit life 20.7% (12.8%) (10.3%) 5.2 4.4 Corporate¹ 2.8% (0.
Slide 7: Brasilprev
Brasilprev Contributions (R$ bn) Net inflow (R$ bn) Reserves (R$ bn) YoY: -19% 11.2% 11.4% 11.2% YoY: +9% 10.0% -20% 46 439 449 459 423 429 8 36 3 16 13 -4 -9 3Q24 3Q25 9M24 9M25 3Q24 3Q25 9M24 9M25 Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 Net inflow¹ Redemption ratio 1 –Source: Quantum Axis Mgmt. fee (R$
Slide 8: Brasilcap
Brasilcap Collections (R$ mm) Reserves (R$ mm) YoY: +5% YoY: +6% +9% 5,357 11,643 4,907 11,025 11,020 10,981 11,279 1,753 1,849 3Q24 3Q25 9M24 9M25 Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 Lottery prizes paid (R$ mm) Net investment income Net income (R$ mm) 3.7 5.0 3.6 3.5 +18% +4% YoY: +42% YoY: +45% +2%
Slide 9: BB Corretora
BB Corretora Brokerage revenues (R$ mm) Brokerage revenue breakdown Pension Other Pension Other YoY: +4% plans Premium 0.4% plans Premium 0.4% +5% bonds 12.7% bonds 8.8% 4,291 9.1% 9.7% 4,101 9M24 9M25 1,421 1,481 Insurance Insurance 77.7% 81.1% 3Q24 3Q25 9M24 9M25 Net margin (%) Net income (R$ mm)
Slide 10: Guidance
a oe @ BB SEGuRos Pra tudo que importa on Guidance \en’
Slide 11: Guidance 2025
Guidance 2025 Non-interest operating result (ex- 5.9% holding)¹ 0% 1% 4% Observed 9M25 -7.9% Premiums written of Brasilseg -4% 0% 1% Observed 9M25 PGBL and VGBL pension plans 9.0% reserves of Brasilprev 0% 9% 12% Observed 9M25 1 – Sum of the adjusted non-interest operating results before income taxe
Slide 12: Contacts
Contacts Investor Relations Rua Alexandre Dumas, 1671 – Térreo – Ala B Chácara Santo Antônio – São Paulo - SP CEP: 04717-903 Telephone: (11) 4297-0730 ri@bbseg.com.br bbseguridaderi.com.br/en
BB Seguridade Participações — Q3 2025 Earnings Presentation on 6ix