Slide 1: Earnings Call 1Q26
Earnings Call 1Q26
Slide 2: Disclaimer
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Slide 3: Message from the Founder
Introduction Message from the Founder oe Chairman & CEO of Agi Ine,
Slide 4: Surpassing Million Active Clients
Surpassing 7 Million Active Clients Reflecting Strong Execution and the Increasing Relevance of our Value Proposition 5026 7.1 million Active Clients
Slide 5: Increasing Product Penetration
Increasing Product Penetration Asa Result from our High-touch, Principality-driven Strategy Cross Selling Index - Quarterly Cohorts of Customers who have the Primary Relationship: with Agi # of products per cient 8 3 Se Q01 QO2 QO3 QO4 QOS QOS QO7 QOS QS Q10 Qi1 Q12 Q13 Qi4 QI5 QIE QI7 QIs Qis Q20 G
Slide 6: Evolution of our Organizational Model
Evolution of our Organizational Model Foundation of an Integrated Strategy to Establish a Truly AI-driven Company COMPLIANCE AREAS SUPPORT ‘AREAS Accounting Compliance Legal Ombudsman Risk Management Back Office Collection Credit cRM FPRA Fraud Prevention Marketing Modeling People Portfolio Pricing
Slide 7: Credit Origination Monthly Evolution
J Credit Origination Monthly Evolution 106% Monthly Performance Highlights how Intact is the Long-Term coe Ee als =e a Thesis and the Fee Revenues Monthly Evolution Improvements on the Run-Rate Considering Er March Figures a ° 62% 43%) y l 38%] fay Pre-Suspension ec.23 J3n-25 Feb25 hr28
Slide 8: Financial Results
IR, MBA and PR Executive Manager Financial Results
Slide 9: Active Customers
oe Active Customers (# million) 453% Customers Expansion of the 64 Active Customer Base Hy By 1025 2028 3025 4028 1026
Slide 10: Credit Portfolio: Secured and Unsecured Mix
oe se lila +30% wUrsecures Secured +7* Credit Portfolio ah 355 Mix of Secured and Unsecured Loans si 85% 1025 2025 3025 4025 1026
Slide 11: Market share - INSS Payroll Credit
oe Market share - INSS Payroll Credit +210>rs Becoming the Winner | 9.0% in Payroll lending Leveraging our ida competitive advantages to keep growing market share 1025 2025 3025 9.0% 4025 1026
Slide 12: NPL, Coverage Ratio and Cost of Risk
oe NPL, Coverage Ratio and Cost of Risk © ——coverageRatioNPL290 —AGINPL=S0 Credit Quality Low delinquency ratios with comfortable levels of coverage ratio and cost of risk is Sacurlba pcmmat tan farconsnen epee yb ea 2s Cost of isk LTM Market NPL>80 fe} ft} fe} preg prey 57% 51% 54% 5.6% 5.1% 1025 2
Slide 13: Revenues
oe Revenues Growth in line with the evolution of assets Total Revenues (R$ million) +24% 2,800.4 2,424.9 2,510.5 1025 2025 3025 4025 1026 | eee
Slide 14: Net Interest Income
oe mm Net Interest Income NII and NIM ity (RS million) +9% Net Interest Income and NIM Annualized 1,158.9 1025 1026
Slide 15: Net Interest Margin
ee NIM Annualized NIM - Annuatizes esses NIM after Provisions ~ Annualized Net Interest Margin Annualized after 1025 2025 3025 4025 Provisions showing Improvements QoQ NIM LTM NIT snes NIM after Provisions LTM 1025 2025 3025 4025 se Naty nae tyne ye mee ty tot it gn in -Cbiy py yo y ene > Sapna ss 0
Slide 16: Revenues vs Expenses
oe Revenues vs Expenses sca + personnel Expenses ——eNIL + Fees sseees Operating Efficiency Ratio (9) (R$ million) Efficiency We Built a Scalable Platform To Support Our Growth 1025 2025 3025 4025 1026 ype ag ltl enon pes regi yen et ati ance ett tnt (nteptiy one wtopey ean
Slide 17: Net Income
Net Income ‘mNon-recurring Net Income” (R$ million) Net Income Cas Growing QoQ 264.8 210.5 1025 was an outer positively and mainly impacted by the increase inmanimum term of payroll loan contracts from 84 to 96 months 1025 2025 3025 Da nn. 214.9 4025 met Income 1026
Slide 18: Deposits
(RS bn) +37% mivstiuonal metal +4% Deposits —: Growth and a 353 - diversification 1025 2025 3025 4025 1026
Slide 19: Equity and ROE
oe mEquity = ROELTM 509% 2631 Equity 64% Sustainable growth - driven by profits — 47 i i : io o 1025 2025 3025 4025 1026 1Q26 Equity adds IPO Proceeds Da one A
Slide 20: Capital
oe Capital Comfortable levels of capital adequacy to leverage the credit operations Capital Adequacy Ratio - Basel IIT (%) Tice II Capital mTier I Capitat +400>Ps | +380bps 15.3% 15.0% 1025 2025 3025 4025 1026
Slide 21: Thank you.
Thank you. investors.agiinc.com investors@agi.com.br agi
Slide 22: Q&A