Slide 1: Earnings Presentation
Earnings Presentation For futher info Click or scan the QR Code for MD&A 3Q25
Slide 2: Adjusted Net Income and ROE
Adjusted Net Income R$ billion ROE ROE % % 21.3 21.5 11.2 21.0 21.3 21.3 22.5 21.7 21.6 21.1 20.8 16.7 8.4 8.4 -47.2% -60.2% 28.3 26.1 9.4 9.3 9.5 9.5 9.6 8.5 8.8 8.8 +0.0% 7.4 14.9 3.8 3.8 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 9M23 9M24 9M25 2023 Adjusted 2023 ROE 2024 Adjusted 202
Slide 3: Cost of Credit
Cost of Credit R$ billion Expenses/Loan Portfolio1 4.17% 4.66% 5.16% (%) +77.7% +66.4% +12.7% Expected Loss Flow by Segment (44.0) (Internal Loan Portfolio - R$ billion) (15.9) (17.9) (18.7) (26.4) (3.9) (10.1) (6.0) (46.4) Companies (17.9) (31.2) (17.4) Individuals ALLL Expenses 2024 Expected Loss
Slide 4: Loan Portfolio by Stage
CMN Resolution Nº 4,966/21 Loan Portfolio Stage 2 Stage 3 by Stage Individuals Loan Portfolio % 4.6 4.3 4.4 10.5 11.3 11.4 Expected Loss/ Loan Portfolio % 22.0 21.3 22.3 68.5 64.6 63.6 Loan Portfolio Mar/25 Jun/25 Sep/25 Mar/25 Jun/25 Sep/25 Stage 2 Stage 3 Companies Loan Portfolio1 3.7 3.7 3.7 7.8
Slide 5: Expanded Loan Portfolio
Expanded Loan Portfolio¹ R$ billion NPL and Coverage Ratio2 (%) 5.53 5.92 6.75 NPL +30d 4.56 4.64 +7.5% 3.86 4.21 4.93 3.33 3.32 NPL +90d -1.2% Coverage +90d 177.6 184.8 179.2 165.9 1,294.3 1,278.6 171.3 1,189.0 Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 NPL Formation2 New NPL Coverage (%) 93.2 88.7 77.6 10
Slide 6: Individuals
Individuals Loan Portfolio R$ billion Individuals 7.33 7.76 8.13 NPL +30d1 6.81 6.43 (%) +7.9% Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 +2.3% 5.03 5.10 5.59 6.01 342.6 350.5 Individuals NPL +90d1 4.66 324.9 (%) Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 Individuals 163.7 163.4 176.8 162.5 152.1 Coverage +90d1 (%)
Slide 7: Companies
Companies Loan Portfolio R$ billion 6.00 5.37 5.14 Companies 4.63 4.54 Inad +30d1 (%) +10.4% -3.2% 4.06 4.18 4.06 Companies 3.58 3.51 Inad +90d1 468.0 453.0 (%) 410.2 Companies Coverage +90d1 195.2 197.5 190.1 178.4 (%) 174.7 Corporate 271.2 258.9 215.2 Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 MSME 123.0
Slide 8: Agribusiness
Agribusiness Loan Portfolio R$ billion 7.78 4.11 5.53 Agribusiness NPL +30d1 3.02 3.74 (%) 3.49 5.34 Agribusiness 2.45 3.04 1.97 NPL +90d1 +3.2% (%) -1.5% Agribusiness 183.6 206.3 170.0 Coverage +90d1 165.3 134.5 404.9 398.8 (%) 386.6 Sep/24 Dec/24 Mar/25 Jun/25 Sep/25 Judicial Reorganization 928 73
Slide 9: Net Interest Income
Net Interest Income TMS (%) TR (%) NIM 2.63% 3.33% 3.70% 0.51% 0.52% (%) 4.9% 4.6% 4.7% 0.21% 3Q24 2Q25 3Q25 3Q24 2Q25 3Q25 3Q24 2Q25 3Q25 R$ million Accounting +1.9% -2.4% NII 3Q24 2Q25 3Q25 Δ% Y/Y Δ% Q/Q 9M24 9M25 Δ% YTD. R$ billion +5.1% 77.2 75.3 Net Interest Income 25,870 25,080 26,365 1.9 5.1
Slide 10: Fee Income and Administrative Expenses
Fee Income and Administrative Expenses Cost-to-income R$ billion Ratio 12 months 27.6% Fee Income Administrative Expenses -2.6% -1.2% +4.7% +5.4% +1.3% +1.4% 29.0 27.5 26.3 26.0 9.1 8.8 8.9 9.4 9.7 9.8 18.0 19.3 Personnel 6.1 6.4 6.6 Expenses Other 9.5 9.7 Administrative 3.3 3.2 3.2 Expenses 3Q24 2Q
Slide 11: Capital
Capital BIS III 14.66 14.14 14.81 1.16 0.89 (%) Tier II 0.88 Tier I 13.51 13.27 13.92 CET1 11.77 10.97 0 11.16 0 Sep/24 Jun/25 Sep/25 0.20 0.14 (0.09) (0.20) 0.14 CET1 (%) 10.97 11.16 Net Income HCDI MtM + Prudential RWA Jun/25 Devolution FX Variation Adjustement Sep/25 11 | 13
Slide 12: Guidance
Released Observed Revised between 9M25 between Guidance Loan Portfolio1 3% and 6% 7.3% Unchanged 2025 Individuals 7% and 10% 7.9% Unchanged Companies 0% and 3% 11.6% Unchanged Agribusiness 3% and 6% 3.2% Unchanged revised Sustainable Portfolio 7% and 10% 8.0% Unchanged R$ billion Net Interest Income
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