Banco ABC Brasil SA · BMFBOVESPA:ABCB4
Banco ABC Brasil SA — Q2 2025 Earnings Presentation
19 slides from Banco ABC Brasil SA's earnings presentation, Aug 13, 2025
Slide 1: Earnings Conference Call 2nd Quarter of 2025
Earnings Conference Call 2nd Quarter of 2025 August 13th, 2025
Slide 2: Disclaimer
Disclaimer Any statements that may be made during this conference regarding ABC Brasil's business prospects, projections, operational and financial goals constitute beliefs and assumptions of the company's management, as well as information currently available to ABC Brasil. Future considerations ar
Slide 3: 2Q25 Highlights
2Q25 Highlights Profitability Credit Portfolio Net Income ROAE Expanded Portfolio Increase of R$244 15.0% R$52 7.9% million billion 2Q25 vs. 2Q24 Coverage Ratio1 Expenses Increase of Efficiency Ratio 307% 93% 1.2% 38.4% Total Expected Credit Loss / Total Expected Credit Loss / 2Q25 vs. 2Q24 2Q25 Ove
Slide 4: Expanded Credit Portfolio
Expanded Credit Portfolio Expanded Credit Portfolio 2Q25 1Q25 2Q25x1Q25 2Q24 2Q25x2Q24 (R$ million) Res. 4,966 % Total Res. 4,966 % Total Chg 3M Res. 2,682 % Total Chg 12M Loans 22,521 100% 22,239 100% 1.3% 23,235 100% -3.1% C&IB 4,262 18.9% 3,436 15.4% 24.0% 4,506 19.4% -5.4% Corporate 14,470 64.2%
Slide 5: Economic Sectors
Economic Sectors Pulp & Paper Textile Industry Others Automotive Grains Chain Agribusiness Telecom 11.4% 1.3% 1.0% 3.7% 22.8% Metal & Mining Water & Sewage 2.2% 1.5% 1.1% 2.2% Agriculture & Livestock Heavy Construction 5.7% 2.6% Consumer Goods Industry 3.3% Agricultural Inputs 2.7% Food Industry Sug
Slide 6: Revenue with Clients
Revenue with Clients1 501 492 484 486 (R$ million) 443 427 51% 53% 57% 54% High Capital 56% 60% Consumption2 49% 47% 43% 46% Low Capital 40% 44% Consumption3 Notes: 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 1 Margin with Clients + Service Revenues 2 High Capital Consumption Revenues include Classified Loans, Gu
Slide 7: Net Interest Income
Net Interest Income Net Interest Income NIM (R$ million) (% p.a.) 1,171 1,128 4.5% 4.4% 4.3% 245 304 4.2% 4.1% 3.8% 3.9% +1.1% +6.7% 179 154 598 622 626 604 567 120 128 131 143 161 98 127 135 71 83 705 713 379 367 359 341 373 2Q24 3Q24 4Q24 1Q25 2Q25 1H24 1H25 2Q24 3Q24 4Q24 1Q25 2Q25 1H24 1H25 Shar
Slide 8: Service Revenue
Service Revenue 26.9% 24.4% 24.2% 23.1% 23.3% 24.1% 23.2% 224.4 215.6 (R$ million) 63.6 60.6 132.5 122.2 117.2 25.4 113.0 85.5 66.9 102.6 39.1 28.7 33.3 27.3 63.3 43.9 48.9 32.9 34.1 75.3 88.0 39.2 39.6 43.8 42.3 45.7 2Q24 3Q24 4Q24 1Q25 2Q25 1H24 1H25 Insurance Brokerage Fees Investment Banking Gua
Slide 9: Credit Portfolio Quality
Credit Portfolio Quality Expanded Provision Expenses Expected Credit Loss Res. 2,682 Res. 4,966 Res. 2,6821 Res. 4,9662 0.7% 8.5% 0.6% 0.6% 7.9% 0.6% 0.5% 6.7% 6.3% 6.2% 6.4% 0.4% 6.1% 5.9% 91.3 79.1 73.3 72.1 (R$ milhões) 63.5 3.6% 3.5% 43.7 2.3% 2.3% 2.1% 2.2% 1.5% 1.5% 1.6% 1.7% 1.7% 1.4% 1.5% 1.
Slide 10: Credit Portfolio Quality
Credit Portfolio Quality Overdue for More Than 90 Days (includes falling due and overdue installments) R$ million and % of portfolio Res. 2,6821 Res. 4,9662 9.9% 9.2% C&IB1 4.7% C 4.3% 4.1% 3.5% 3.8% 2.9% 3.1% M 3.0% Total1 1.2% 1.1% 1.0% 0.7% 0.5% 0.8% 0.7% 1.0% 0.9% 0.6% 0.0% 0.0% 0.0% 0.0% 675 70
Slide 11: Credit Portfolio Quality
Credit Portfolio Quality Operations in Stage 3 and Coverage Ratio3 +90 days Overdue Balance Res. 2,6821 Res. 4,9662 Res. 2,682 Res. 4,966 3.0% 2.9% 2.4% 307% 2.4% 227% 195% 198% 1.2% 1.1% 0.9% 0.7% 127% 116% 90% 93% 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 Stage 3 +90 days Overdue
Slide 12: Expenses
Expenses Efficiency 2Q25 1Q25 2Q25x1Q25 2Q24 2Q25x2Q24 1H25 1H24 1H25x1H24 (R$ million) Res. 4,966 Res. 4,966 Chg 3M Res. 2,682 Chg 12M Res. 4,966 Res. 2,682 Chg 12M Efficiency Ratio (A/B) 38.4% 42.1% (362) bps 36.9% 160 bps 40.2% 38.1% 212 bps Expenses (A) (259.5) (265.7) -2.4% (256.5) 1.2% (525.2)
Slide 13: Funding
Funding Funding 2Q25 Funding Evolution (R$ million) Trade Finance Multilateral Equity Agencies, 58,518 5.7% Deposits & Others 55,551 55,111 55,326 11.9% 53,628 BNDES Onlending 11,571 11.0% 8,716 10,285 9,384 9,238 5.6% Corporates 11.2% 35,336 35,840 36,936 35,582 36,201 36.3% 18.3% Institutional 3,3
Slide 14: Basel Ratio & Shareholders' Equity
Basel Ratio & Shareholders’ Equity Basel Ratio 1Q25 vs. 2Q25 (R$ million) Basel Ratio 8,962 9,072 9,174 8,255 8,345 17.2% +0.5% -0.3% 0.0% 0.0% 17.3% -0.1% 6,235 6,378 6,387 6,472 6,581 Tier II 2.5% 2.5% 17.2% 17.3% 16.3% 16.1% 16.5% 2.5% 2.5% 2.5% 2.4% 2.3% 2.1% 2.0% 2.9% 3.1% 3.0% 14.7% 14.8% Tier
Slide 15: Recurring Net Income | 1Q25 x 2Q25
Recurring Net Income | 1Q25 x 2Q25 (R$ million) Net Interest Income 2.8 (12.6) 17.5 (10.3) 10.5 (11.8) (13.0) 32.0 3.5 +8.2% 244.1 225.6 2Q24 Net Margin Margin w/ BV at CDI Rate Provision Service Expenses Other Income Taxes Profit Sharing 2Q25 Net Income w/ Clients Market Expenses Revenues Income RO
Slide 16: 2025 Guidance
2025 Guidance Guidance 2025 Expanded Credit Portfolio¹ Growth 7% to 12% Expenses Growth 6% to 11% Personnel, Other Administrative and Profit Sharing Efficiency Ratio 36% to 38% Expenses/Income Note: 1 Includes: Loans, Guarantees Issued and Private Securities. 16
Slide 17: BANCO
BANCO AN =i @i BRASIL
Slide 18: Appendix
Appendix BRASIL
Slide 19: Managerial Income Statement
Managerial Income Statement Managerial Income Statement 2Q25 1Q25 2Q25x1Q25 2Q24 2Q25x2Q24 1H25 1H24 1H25x1H24 (R$ million) Res. 4,966 Res. 4,966 Chg 3M Res. 2,682 Chg 12M Res. 4,966 Res. 2,682 Chg 12M Net Interest Income 604.4 566.7 6.7% 597.6 1.1% 1,171.1 1,128.3 3.8% Financial Margin with Clients