Banco Do Brasil S.a. · BMFBOVESPA:BBAS3
Banco Do Brasil — Q1 2026 Earnings Presentation
16 slides from Banco Do Brasil's earnings presentation, May 14, 2026
Slide 1: Earnings Presentation
#interna Earnings Presentation Imagem do QR Code For further info Click or Scan the QR Code for MD&A 1Q26
Slide 2: The Strength of our operations
The Strength of our operations Net Interest Income Financial Income Financial Income Loan Operations Treasury R$ 27.4 billion R$ 46.5 billion R$ 8.9 billion +14.8% 1Q26/1Q25 +10.5% 1Q26/1Q25 +23.0% 1Q26/1Q25 Insurance, Pension Fee Asset Plans and Premium Consortium Income Management Bonds Management
Slide 3: Business Generation
Business Generation Individuals R$ billion Payroll Crédito do Loan trabalhador (private payroll loan) R$ 151.8 billion R$ 15.1 billion +7.2% Mar26/Mar25 +2053% Mar26/Mar25 1.306 Companies 1.278 Individuals 335.8 361.8 Expanded Loan Pronampe and Government Portfolio PEAC FGI Loan Portfolio R$ 1.3 tri
Slide 4: Guidance
Guidance 2026 Released Observed Revised between 1Q26 between Loan Portfolio1 0.5% and 4.5% 1.8% Unchanged Individuals 6% and 10% 7.8% Unchanged Companies -3% and 1% -4.5% Unchanged Agribusiness -2% and 2% 3.0% Unchanged Sustainable Portfolio 2% and 6% 7.0% Unchanged Responsibility Net Interest Incom
Slide 5: Adjusted Net Income
Adjusted Net Income R$ billion ROE 16.7 % 12.4 8.4 8.4 7.3 -53.5% 7.4 -40.2% 5.7 3.8 3.8 3.4 1Q25 2Q25 3Q25 4Q25 1Q26
Slide 6: Net Interest Income
Net Interest Income NIM (%) TMS (%) TR (%) 2.99% 3.59% 3.41% 0.41% 0.51% 0.47% 4.5% 5.0% 4.8% 1Q25 4Q25 1Q26 1Q25 4Q25 1Q26 1Q25 4Q25 1Q26 Managerial Accounting NII NII R$ billion +14.8% R$ million -1.3% 1Q25 4Q25 1Q26 Δ% Y/Y Δ% Q/Q 27.8 27.4 Net Interest Income 23,881 27,801 27,426 14.8% -1.3% 23.9
Slide 7: Cost of Credit
Cost of Credit R$ billion 5.35% 5.78% Expected Loss Expenses / Loan 3.80% Flow by Segment Portfolio¹ (%) +85.8% +5.0% -18.0 -18.9 49% Individuals -10.2 -16.6 -19.0 Expected Loss Expense 45% Agribusiness -11.1 Discounts Companies Granted 6% -3.5 Recovery of -0.4 -0.7 Write-offs 1.3 1.8 1.2 1Q25 4Q25
Slide 8: Expanded Loan Portfolio
Expanded Loan Portfolio¹ NPL and Coverage Ratio (%) R$ billion 6.47 6.84 6.51 NPL +30d 5.14 5.52 5.17 5.05 NPL +90d 3.96 4.51 3.63 +2.2% Coverage 187.5 183.2 174.3 +0.7% +90d 155.4 158.4 1,277.8 1,296.5 1,305.5 Mar/25 Jun/25 Sep/25 Dec/25 Mar/26 NPL Formation 110.1 99.6 107.8 Coverage 77.5 77.8 New
Slide 9: Loan Portfolio: Individuals
Individuals NPL and Coverage Ratio (%) Loan Portfolio 9.30 R$ billion 7.33 7.76 8.13 8.41 Individuals NPL+30d 6.56 6.82 Individuals 5.59 6.01 NPL+90d 5.10 +7.8% +1.4% 176.8 Individuals Coverage 162.5 152.1 140.1 147.9 Ratio +90d 357.0 361.8 335.8 Mar/25 Jun/25 Sep/25 Dec/25 Mar/26 NPL Formation 142.
Slide 10: Loan Portfolio: Companies
Companies NPL and Coverage Ratio (%) Loan Portfolio R$ billion Companies 5.29 5.20 4.96 NPL+30d 4.82 3.93 -2.4% Companies 3.71 3.85 3.75 -1.3% 3.40 NPL+90d 2.87 2.86 459.9 455.2 449.0 Ex-specific case Companies 194.4 183.7 206.9 174.1 185.6 Corporate 261.5 260.4 Coverage Ratio 256.5 +90d Mar/25 Jun/
Slide 11: Agribusiness
Agribusiness NPL and Coverage Ratio(%) Loan Portfolio R$ billion 7.06 8.28 7.35 Agribusiness 5.00 NPL +30d 3.73 4.84 6.09 6.22 Agribusiness 2.76 3.16 +3.0% NPL +90d +3.0% 187.4 210.3 173.5 Agribusiness 158.2 156.1 Coverage +90d 406.2 406.1 418.4 Mar/25 Jun/25 Sep/25 Dec/25 Mar/26 NPL Formation 219.9
Slide 12: Agribusiness: Judicial Reorganization
Agribusiness Judicial Reorganization 209 179 158 162 New Clients Inflow 98 Quantity 1.84 61 1.59 1.44 1.34 1.02 0.65 Volume of new legal proceedings R$ bilhões 1Q25 2Q25 3Q25 4Q25 1Q26 Apr/26
Slide 13: Agribusiness: Maturities
Agribusiness Maturities 19.9 Maturity Flow (R$ billions) 16.1 14.8 40% 14.2 14.1 13.3 35% 12.8 Contracted Crop 33% after July 1, 2025 27% 11.0 (%) 46% 50% 51% 8.9 56% Previous 60% 62% Crops 65% (%) 73% 67% 54% 50% 49% 44% 38% Apr/26 May/26 Jun/26 Jul/26 Aug/26 Sep/26 Oct/26 Nov/26 Dec/26 (*) As of M
Slide 14: Fee Income and Administrative Expenses
Fee Administrative Income Expenses 28.0% R$ billion Cost-to-income R$ billion Ratio 12m +5.5% +5.5% +1.3% -0.2% (9.9) (10.0) 8.8 8.8 (9.5) 8.4 Asset Management R$ 2.7 billion +8.6% 1Q26/1Q25 (6.5) (6.8) Personnel (6.3) Expenses Insurance, Pension Plans & Premium Bonds R$ 1.5 billion +3.5% 1Q26/1Q25
Slide 15: Capital
Capital 14.14 15.13 14.23 0.87 BIS Tier II 0.87 14.26 0.64 Tier I 13.27 13.59 Ratio (%) 0 CET1 10.97 12.23 11.59 0 Mar/25 Dec/25 Mar/26 0.45 0.15 (0.46) (0.36) CET1 (0.33) (0.09) (%) 12.23 11.59 Net Provisional CGPE Prudential CMN 5,199 and RWA Dec/25 Income Measure Adjustments BCB 356 Mar/26 1314/2
Slide 16: bb.com.br/ir
#interna bb.com.br/ir