ABCB4 Q4 2025 Earnings Report

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 2 Earnings Release February 6th, 2026 (before market opening) Conference Call February 9th, 2026 English & Portuguese 01:00 PM (EST) / 03:00 PM (BRT) Investor Relations Sérgio Ricardo Borejo Executive Vice President Ricardo Moura Director of IR, Proprietary M&A and Strategy Thiago Brito Investor Relations Manager Telephone: +55 (11) 3170-4655 Email: ri@abcbrasil.com.br Website: ri.abcbrasil.com.br HIGHLIGHTS Earnings Release 4th Quarter and Full Year of 2025 Profitability • Net Income reached R$1.0 billion in 2025 – an increase of 3.2% year-over- year, while the Return on Average Equity (ROAE) was 15.2% in the period. This result reflects a balance of portfolio at more appropriate prices, maintenance of credit quality, and disciplined expense control. • In the 4Q25, the Net Income reached R$275.5 million – an increase of 7.3% quarter-over-quarter and of 13.4% in relation to the same period of 2024 – equivalent to a 16.3% ROAE. Expanded Credit Portfolio • The Expanded Credit Portfolio ended the year at R$54.7 billion, an increase of 3.0% in the last 12 months – within the reviewed Guidance for the year. • The Middle segment was the highlight, with an annual expansion of 15.0%, already considering the new client segmentation. NII and NIM • The Net Interest Income reached R$2.5 billion in 2025, the historical highest level for this line, presenting an increase of 6.8% compared to the previous year. • The Net Interest Margin in the 4Q25 was 4.7% p.a., an increase of 33 basis points when compared to the previous quarter, and of 56 basis points in relation to the same period of 2024. Meanwhile, in 2025 the Net Interest Margin was 4.3% p.a., at the same level as in 2024. Credit Quality • The +90 Days Overdue decreased by 10 basis-points quarter-on-quarter, ending the year at 0.5% of the Expanded Credit Portfolio – below the historical average. • Coverage Ratios measured as Total Expected Credit Loss/+90 Days Overdue and Total Expected Credit Loss/Stage 3 ended the year at 501% and 93%, respectively. Guidance • ABC Brasil reached all its Guidances disclosed for 2025. • For 2026, Management's expectations follow below: • Expanded Credit Portfolio Growth: 6% to 10% • Middle Segment Expanded Credit Portfolio Growth: 12% to 18% • Expenses Growth (Personnel, Other Adm. and Profit Sharing): 4% to 8% • Efficiency Ratio (Expenses/Revenues): 37.5% to 39.5%

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 3 R$/USD 5.50 5.32 3.5% 6.19 -11.1% Wholesale Clients 4,676 4,699 -0.5% 5,207 -10.2% Employees4 1,328 1,298 2.3% 1,300 2.2% Balance Sheet (R$ million) Total Assets 66,316 63,239 4.9% 72,065 -8.0% Expanded Credit Portfolio 54,742 52,303 4.7% 53,171 3.0% Loans 25,147 22,883 9.9% 24,050 4.6% Guarantees Issued 12,322 12,586 -2.1% 13,515 -8.8% Corporate Securities 17,273 16,834 2.6% 15,607 10.7% Funding with third-party sources 50,897 47,215 7.8% 52,130 -2.4% Tier 1 Capital 7,697 7,811 -1.5% 7,688 0.1% Core Capital 6,619 6,495 1.9% 6,120 8.1% Additional Capital 1,078 1,317 -18.1% 1,568 -31.2% Tier 2 Capital 1,358 1,327 2.4% 1,274 6.7% Shareholders' Equity1 6,759 6,700 0.9% 6,387 5.8% Performance Ratios (%) NIM - Net Interest Margin (p.a.) 4.7% 4.4% 33 bps 4.2% 56 bps 4.3% 4.3% (3) bps Recurring ROAE (annualized) 16.3% 15.5% 86 bps 15.2% 112 bps 15.2% 15.7% (42) bps ROAA (annualized) 1.7% 1.6% 9 bps 1.3% 37 bps 1.5% 1.4% 9 bps Efficiency Ratio 37.9% 38.8% (91) bps 37.7% 18 bps 39.2% 37.9% 128 bps BIS Ratio 16.3% 16.7% (43) bps 16.5% (19) bps 16.3% 16.5% (19) bps Tier 1 Capital 13.8% 14.3% (44) bps 14.1% (29) bps 13.8% 14.1% (29) bps Core Capital 11.9% 11.9% 3 bps 11.3% 65 bps 11.9% 11.3% 65 bps Additional Capital 1.9% 2.4% (47) bps 2.9% (94) bps 1.9% 2.9% (94) bps Coverage Ratio (Expected Credit Loss / Overdue +90 days)3 501% 389% 112 p.p. 198% 303 p.p. 501% 198% 303 p.p. Coverage Ratio (Expected Credit Loss / Stage 3)3 93% 90% 4 p.p. - 93% - Shares (R$) NOSH ex-Treasury (million) 241.2 241.1 240.3 241.2 240.3 Recurring/Accounting Earnings per Share (EPS) 1.14 1.07 7.2% 1.01 12.9% 4.15 4.04 2.8% ABCB4 Share Price 23.70 23.25 1.9% 19.31 22.7% 23.70 19.31 22.7% Market Capitalization (R$ million) 5,716 5,605 2.0% 4,640 23.2% 5,716 4,640 23.2% Book Value per Share1 28.02 27.79 0.8% 26.58 5.4% 28.02 26.58 5.4% Price / Book Value (P/BV)1 0.85 0.84 1.1% 0.73 16.4% 0.85 0.73 16.4% IoC2 Provisioned (R$ million) 228.5 141.0 62.1% 107.0 113.6% 630.8 395.1 59.6% IoC2 Declared (R$ million) 369.5 0.0 - 206.7 78.8% 630.8 395.1 59.6% IoC2 Declared per Share 1.53 0.00 - 0.86 78.1% 2.62 1.64 59.1% Dividend Yield (%) - Annualized 16.0% 10.1% 593 bps 9.2% 677 bps 11.6% 7.7% 393 bps 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 Statements of Income (R$ million) Res. 4,966 Res. 4,966 Chg 3M Res. 2,682 Chg 12M Res. 4,966 Res. 2,682 Chg 12M Recurring/Accounting Net Income 275.5 256.8 7.3% 243.1 13.4% 1,002.0 971.3 3.2% Managerial NII pre-Provisions 713.4 652.0 9.4% 625.6 14.0% 2,536.5 2,375.7 6.8% Managerial NII post-Provisions 587.3 562.7 4.4% 528.1 11.2% 2,172.6 2,097.4 3.6% 1 Shareholders’ Equity ex-minorities 2 Interest on Capital 3 The Total Expected Credit Loss includes the Prospective provision of R$190 million 4 Including Executive Directors, Employees and Interns We present below the financial information and indicators for ABC Brasil in the 4Q25. Key Indicators EXECUTIVE SUMMARY

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 4 Managerial Income Statement 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 (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 713.4 652.0 9.4% 625.6 14.0% 2,536.5 2,375.7 6.8% Financial Margin with Clients 389.1 392.6 -0.9% 359.5 8.2% 1,494.9 1,431.4 4.4% Shareholders' Equity Remunerated at CDI Rate 181.6 182.7 -0.6% 131.1 38.5% 668.6 503.6 32.8% Financial Margin with Market 142.7 76.8 85.9% 135.0 5.7% 373.1 440.8 -15.4% Provision Expenses (126.1) (89.4) 41.1% (97.6) 29.3% (363.9) (278.3) 30.8% Net Interest Income post-Provisions 587.3 562.7 4.4% 528.1 11.2% 2,172.6 2,097.4 3.6% Service Revenues 125.9 110.7 13.8% 132.5 -5.0% 452.1 474.1 -4.6% Guarantees Issued 39.7 39.9 -0.4% 43.8 -9.3% 167.6 158.7 5.7% Investment Banking 46.8 37.7 24.1% 63.3 -26.1% 151.4 197.6 -23.4% Insurance Brokerage Fees and Commercial Banking 39.4 33.1 19.1% 25.4 54.8% 133.1 117.8 12.9% Personnel & Other Administrative Expenses (221.7) (197.9) 12.1% (201.8) 9.9% (812.2) (769.4) 5.6% Personnel Expenses (135.0) (126.7) 6.5% (128.4) 5.1% (516.9) (497.4) 3.9% Other Administrative Expenses (86.8) (71.1) 22.0% (73.3) 18.3% (295.3) (272.0) 8.6% Tax Expenses (41.9) (40.2) 4.4% (32.8) 28.0% (159.7) (104.4) 52.9% Other Operating Income/Expenses 2.5 (2.4) -202.1% 5.3 -53.3% (2.3) 11.1 -120.9% Non Operating Income 0.6 (1.0) -158.1% 0.7 -19.5% 5.4 3.3 66.2% Earnings before Tax and Profit Sharing 452.5 431.9 4.8% 432.1 4.7% 1,656.0 1,712.1 -3.3% Income Tax and Social Contribution (92.0) (88.4) 4.1% (107.8) -14.6% (341.2) (441.3) -22.7% Profit Sharing (81.2) (81.4) -0.3% (75.2) 7.9% (295.2) (278.9) 5.8% Minority Interest (3.8) (5.3) -28.4% (6.0) -36.8% (17.6) (20.6) -14.6% Recurring Net Income 275.5 256.8 7.3% 243.1 13.4% 1,002.0 971.3 3.2% Managerial Income Statement 4Q25 – Accounting and Managerial Reconciliation Statement (1) Reclassification of figures from “Personnel Expenses” (related to the Social Security portion of the variable compensation) to “Profit Sharing”, from “Other Administrative Expenses” (expenses related to volume of revenues) to “Net Interest Income” and “Service Fees”, from “Other Administrative Expenses” (related to expenses linked to recovery of credit and other charges) to “Provision Expenses”, from “Net Interest Income" (related to Credit Recoveries and Provision for the Devaluation of Securities (PDS)) to "Provision Expenses“, from "Service Fees“ (related to credit structuring fees) to "Net Interest Income“ and from “Other Operating Income (Expenses)” (related to the Energy Trading provisions) to “Provision Expenses” (2) Reclassification of tax effects from “Tax Expenses” and “Income Tax and Social Contribution” to “Net Interest Income” (R$ million) ACCOUNTING Managerial Reclassifications (1) Tax Effects (2) MANAGERIAL Net Interest Income 605.3 (21.9) 130.1 713.4 Provision Expenses (124.9) (1.3) (126.1) Net Interest Income post-Provisions 480.4 (23.2) 130.1 587.3 Service Revenues 134.0 (8.1) 125.9 Personnel Expenses (142.0) 7.0 (135.0) Other Administrative Expenses (101.8) 15.0 (86.8) Tax Expenses (54.8) 17.5 (4.7) (41.9) Other Operating Income (Expenses) 3.3 (0.8) 2.5 Operating Income 319.2 7.4 125.4 451.9 Non Operating Income 0.6 0.6 Earnings before Tax and Profit Sharing 319.7 7.4 125.4 452.5 Income Tax and Social Contribution 33.8 (0.5) (125.4) (92.0) Profit Sharing (74.2) (7.0) (81.2) Minority Interest (3.8) (3.8) Net Income 275.5 0.0 0.0 275.5

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 5 2025 – Accounting and Managerial Reconciliation Statement 3Q25 – Accounting and Managerial Reconciliation Statement (1) Reclassification of figures from “Personnel Expenses” (related to the Social Security portion of the variable compensation) to “Profit Sharing”, from “Other Administrative Expenses” (expenses related to volume of revenues) to “Net Interest Income” and “Service Fees”, from “Other Administrative Expenses” (related to expenses linked to recovery of credit and other charges) to “Provision Expenses”, from “Net Interest Income" (related to Credit Recoveries and Provision for the Devaluation of Securities (PDS)) to "Provision Expenses“, from "Service Fees“ (related to credit structuring fees) to "Net Interest Income“ and from “Other Operating Income (Expenses)” (related to the Energy Trading provisions) to “Provision Expenses” (2) Reclassification of tax effects from “Tax Expenses” and “Income Tax and Social Contribution” to “Net Interest Income” (R$ million) ACCOUNTING Managerial Reclassifications (1) Tax Effects (2) MANAGERIAL Net Interest Income 650.3 (61.1) 62.8 652.0 Provision Expenses (118.9) 29.5 (89.4) Net Interest Income post-Provisions 531.5 (31.6) 62.8 562.7 Service Revenues 109.2 1.5 110.7 Personnel Expenses (133.1) 6.4 (126.7) Other Administrative Expenses (96.1) 25.0 (71.1) Tax Expenses (54.8) 10.8 3.8 (40.2) Other Operating Income (Expenses) 3.2 (5.6) (2.4) Operating Income 359.9 6.4 66.6 432.8 Non Operating Income (1.0) (1.0) Earnings before Tax and Profit Sharing 358.9 6.4 66.6 431.9 Income Tax and Social Contribution (21.8) (66.6) (88.4) Profit Sharing (75.0) (6.4) (81.4) Minority Interest (5.3) (5.3) Net Income 256.8 0.0 0.0 256.8 (R$ million) ACCOUNTING Managerial Reclassifications (1) Tax Effects (2) MANAGERIAL Net Interest Income 2,305.0 (74.6) 306.1 2,536.5 Provision Expenses (413.6) 49.7 (363.9) Net Interest Income post-Provisions 1,891.4 (24.9) 306.1 2,172.6 Service Revenues 466.3 (14.2) 452.1 Personnel Expenses (540.6) 23.7 (516.9) Other Administrative Expenses (377.9) 82.6 (295.3) Tax Expenses (174.2) (4.1) 18.7 (159.7) Other Operating Income (Expenses) 26.0 (28.3) (2.3) Operating Income 1,291.1 34.7 324.8 1,650.5 Non Operating Income 5.4 5.4 Earnings before Tax and Profit Sharing 1,296.6 34.7 324.8 1,656.0 Income Tax and Social Contribution (16.0) (0.5) (324.8) (341.2) Profit Sharing (261.0) (34.2) (295.2) Minority Interest (17.6) (17.6) Net Income 1,002.0 (0.0) 0.0 1,002.0

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 6 15.7% Net Interest Income Service Revenues (42.8) Expenses (63.5) Other 971.3 Income Taxes (16.3) Profit Sharing 1,002.0 2025 Net Income 2024 Net Income 63.5 Margin w/ Clients (67.7) Margin w/ Market 165.0 BV at CDI Rate (85.6) Provision Expenses (22.0) 100.2 (R$ million) ROAE (%) 15.2% +3.2% -0.5 p.a. Results The Recurring Net Income totaled R$275.5 million in the 4Q25, an increase of 7.3% in relation to the R$256.8 million presented in the 3Q25 and of 13.4% in relation to the R$243.1 million presented in the same period of 2024. 4Q25 x 3Q25 | Recurring The increase in the Recurring Net Income, on a quarter-over-quarter basis, is explained mainly by: • The increase in the Margin with Market; • The increase in the Service Revenues; and • Being partially offset by the increase in Provision Expenses and by the increase in Personnel and Other Administrative Expenses. 4Q25 x 4Q24 | Recurring The increase in earnings, comparing the 4Q25 with the 4Q24, is explained mainly by: • The increase in the Margin with Clients; • The increase in the Shareholders’ Equity Remunerated at CDI; and • Being partially offset by the increase in Provision Expenses and by the increase in Personnel and Other Administrative Expenses. 2025 (Res. 4,966) x 2024 (Res. 2,682)

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 7 Profitability Recurring Net Income (R$ million) Recurring ROAE (p.a.) 4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025 243.1 225.6 244.1 256.8 275.5 971.3 1,002.0 +13.4% +7.3% +3.2% 4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025 15.2% 14.1% 15.0% 15.5% 16.3% 15.7% 15.2% (R$ million) 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 Res. 4,966 Res. 4,966 Chg 3M Res. 2,682 Chg 12M Res. 4,966 Res. 2,682 Chg 12M Recurring Net Income 275.5 256.8 7.3% 243.1 13.4% 1,002.0 971.3 3.2% Shareholders' Equity (average) 6,741 6,633 1.6% 6,383 5.6% 6,576 6,199 6.1% Recurring ROAE 16.3% 15.5% 86 bps 15.2% 112 bps 15.2% 15.7% (42) bps

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 8 Expanded Credit Portfolio The Expanded Credit Portfolio presented an increase of 4.7% in the quarter and of 3.0% year-over-year, the highlight being the Middle segment which presented an increase of 8.9% on a quarter-over-quarter basis and of 15.0% in the last twelve months, already considering the new client segmentation in both comparisons. ¹ Based on the new client segmentation, historical data was reclassified from 2024 onwards for comparability purposes 2 Includes Loans and Corporate Securities portfolios. C&IB (Corporate & Investment Banking) segment includes companies with annual sales above R$4 billion Corporate segment includes companies with annual sales between R$500 million and R$4 billion (including agribusiness clients with annual sales below R$500 million) Middle segment includes companies with annual sales between R$30 million and R$500 million Expanded Credit Portfolio1 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 (R$ million) Res. 4,966 % Total Res. 4,966 % Total Chg 3M Res. 2,682 % Total Chg 12M Loans 25,147 100% 22,883 100% 9.9% 24,050 100% 4.6% Large Corporate 3,686 14.7% 3,409 14.9% 8.1% 4,672 19.4% -21.1% Corporate 17,198 68.4% 15,506 67.8% 10.9% 15,489 64.4% 11.0% Middle 4,263 17.0% 3,967 17.3% 7.4% 3,889 16.2% 9.6% Corporate Securities 17,273 100% 16,834 100% 2.6% 15,607 100% 10.7% Large Corporate 5,181 30.0% 4,589 27.3% 12.9% 3,951 25.3% 31.1% Corporate 11,675 67.6% 11,917 70.8% -2.0% 11,480 73.6% 1.7% Middle 417 2.4% 328 1.9% 27.0% 176 1.1% 137.4% "Cash" Portfolio2 42,420 100% 39,717 100% 6.8% 39,656 100% 7.0% Large Corporate 8,867 20.9% 7,998 20.1% 10.9% 8,624 21.7% 2.8% Corporate 28,873 68.1% 27,423 69.0% 5.3% 26,969 68.0% 7.1% Middle 4,680 11.0% 4,296 10.8% 8.9% 4,064 10.2% 15.1% Guarantees Issued 12,322 100% 12,586 100% -2.1% 13,515 100% -8.8% Large Corporate 7,360 59.7% 7,808 62.0% -5.7% 7,756 57.4% -5.1% Corporate 4,908 39.8% 4,725 37.5% 3.9% 5,707 42.2% -14.0% Middle 54 0.4% 53 0.4% 3.6% 52 0.4% 5.5% Expanded Credit Portfolio 54,742 100% 52,303 100% 4.7% 53,171 100% 3.0% Large Corporate 16,228 29.6% 15,806 30.2% 2.7% 16,379 30.8% -0.9% Corporate 33,780 61.7% 32,148 61.5% 5.1% 32,676 61.5% 3.4% Middle 4,734 8.6% 4,348 8.3% 8.9% 4,116 7.7% 15.0% OPERATING HIGHLIGHTS AND INDICATORS Revenues (R$ million) 4Q24 102.6 1Q25 113.0 110.7 3Q25 125.9 4Q25 2024 20252Q25 758.1 669.3 717.4 762.7 839.3 2,849.8 132.5 625.6 566.7 604.4 652.0 2,988.6 2,375.7 474.1 2,536.5 452.1 713.4 +10.7% +10.0% +4.9% Net Interest Income Services

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 9 Services 8.4% Large Corporate Corporate Agriculture & Livestock Sugar & Ethanol Agricultural Inputs Generation Distribution0.6% Transmission Services1.9% Wholesale 1.6% Non Food RetailOthers Construction & Developers 1.0% Others Insurance, Acquirers & Others 1.6% Banks 1.3% Storage and Logistics 0.9% Maritime Transport Others Oil, Gas & Chemicals Food Industry Consumer Goods Industry Heavy Construction 2.1% Metal & Mining 1.9% Water & Sewage 1.5% Automotive 1.4% Telecom 1.2% Pulp & Paper 1.2% Textile Industry Others 11.6% 5.9% Grains Chain 2.7% 8.3% 2.8% 8.4% 4.7% 6.4% 3.1% 4.3% 5.3% 3.7% 2.9% 2.7% 4.0% 4.8% Middle Sector Breakdown of the Expanded Credit Portfolio As of December 2025, the Bank continued to present a well diversified credit portfolio in terms of sectors, in line with its historical strategy. Collaterals’ Breakdown of the Expanded Credit Portfolio by Segment Geographical Breakdown of the Expanded Credit Portfolio by Segment 60.2% São Paulo 39.8% Rio de Janeiro and Minas Gerais 49.5% São Paulo 24.0% South 11.3% Center-West 8.0% Minas Gerais and Northeast 7.2% Rio de Janeiro 49.7% São Paulo 24.8% South 20.1% Rio de Janeiro and Minas Gerais 5.5% Northeast Large Corporate Corporate Middle 91.8% Clean 6.4% Financial Assets 1.2% Properties 0.5% Receivables 0.0% Others 64.2% Clean 9.2% Receivables 16.0% Properties 5.3% Financial Assets 1.7% Agribusiness Colaterals 3.6% Others 59.1% Clean 24.3%Receivables 1.2% Properties 5.7% Financial Assets 9.8% Others Collateralized Portfolio: 8.2% Collateralized Portfolio: 35.8% Collateralized Portfolio: 40.9% Retail & Wholesale 8.2% Real Estate 7.4% Agribusiness 23.3% Energy 11.7% Financial Services 6.5% Transports & Logistics 6.5%

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 10 Expanded Credit Portfolio Indicators by Segment ABC Brasil ended the 4Q25 with 4,676 active wholesale clients, a year-over-year decrease of 10.2%, reflex of a stricter credit discipline and a focus on clients with broader commercial relationships. Annualized Spread with Clients (Loans + Corporate Securities) The Annualized Spread with Clients presented a decrease of approximately 20 basis points vs. the previous quarter, mainly resulted from changes in product mix. The Annualized Spread with Clients Adjusted by Provisions presented a decrease of approximately 50 basis points, mainly reflecting a lower volume of recoveries during the period. ¹ Spread with Clients is calculated as Financial Margin with Clients divided by average Loans and Corporate Securities Portfolio 4Q24 1Q25 2Q25 3Q25 4Q25 (R$ million) Loans + Private Securities | Average 38,602 38,956 38,753 39,020 40,555 Res 2,682 Res 4,966 4Q25 3Q25 4Q24 4Q25 3Q25 4Q24 4Q25 3Q25 4Q24 Wholesale Clients 1 405 410 379 2,180 2,192 2,498 2,091 2,097 2,330 Average Exposure per Client (R$ million) 1,2 87.7 86.8 100.2 25.3 24.0 21.2 3.3 3.0 2.6 Average Term (days)1,2 316 341 315 420 406 380 390 389 350 MiddleLarge Corporate Corporate 4Q24 1Q25 2Q25 3Q25 4Q25 5,207 4,854 4,753 4,699 4,676 1 Based on the new customer segmentation (Middle and Corporate with annual revenues between R$30 million and R$500 million and R$500 million and R$4 billion, respectively), historical data was reclassified from 2024 onwards for comparability purposes 2 Includes Loans, Guarantees Issued and Corporate Securities 3.7% 2.7% 3.5% 2.8% 3.8% 3.0% 4.0% 3.1% 3.8% 2.6% 4Q24 1Q25 2Q25 3Q25 4Q25 359.5 340.6 372.6 392.6 389.1 97.6 261.9 69.1 271.5 79.4 293.2 89.4 303.2 126.1 263.0 Provision Expenses Mgn. w/ Clients adj. by Provisions Spread w/ Clients¹ Spread w/ Clients adj. by Provisions Res. 4,966Res. 2,682

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 11 Expanded Portfolio Expanded Credit Portfolio by Volume (by Client) The table below provides the breakdown of the expanded portfolio by volume: Expanded Credit Portfolio by Maturity The table below provides the breakdown of the expanded portfolio by maturity: Expanded Credit Portfolio Ratings (Brazilian Central Bank Resolution No. 4,966) The table below provides a breakdown of the expanded credit portfolio by stage, in accordance with Res. 4,966: Quality of the Expanded Credit Portfolio by Segment By the end of 4Q25, the balances of renegotiated credits and restructured operations were, respectively, R$92.9 million (0.17% of the Expanded Credit Portfolio) and R$99.1 million (0.18% of the Expanded Credit Portfolio). Segments R$ million % portfolio R$ million % portfolio R$ million % portfolio R$ million % portfolio Large Corporate 2 0.0% 207 1.3% 0 0.0% (14) (0.1%) Corporate 128 0.4% 835 2.5% 24 0.1% (7) (0.0%) Middle 133 2.8% 364 7.7% 29 0.6% 17 0.4% Total - 4Q25 262 0.5% 1,406 2.6% 53 0.1% (4) (0.0%) 3Q25 319 0.6% 1,383 2.6% 55 0.1% (8) (0.0%) 2Q25 382 0.7% 1,261 2.4% 4 0.0% (99) (0.2%) 1Q25 485 0.9% 1,223 2.4% 21 0.0% Overdue +90 Days Balance Stage 3 Balance Written off Credits NPL Formation¹ / Portfolio Expanded Portfolio Stages 4Q25 3Q25 ECL (R$ million) Res. 4,966 Res. 4,966 4Q25 Stage 1 51,482 94.0% 49,142 94.0% 179 0.3% Stage 2 1,854 3.4% 1,778 3.4% 88 4.8% Stage 3 1,406 2.6% 1,383 2.6% 856 60.9% Prospective Provision 190 Total 54,742 100.0% 52,303 100.0% 1,314 2.4% % of Portfolio % of Portfolio % of Portfolio Expanded Portfolio by Maturity 4Q25 3Q25 4Q24 (R$ million) Res. 4,966 Res. 4,966 Res. 2,682 Until 3 months 11,840 21.6% 8,611 16.5% 11,819 22.2% 3 to 12 months 17,880 32.7% 15,353 29.4% 17,164 32.3% 1 to 3 years 15,569 28.4% 17,523 33.5% 17,285 32.5% Above 3 years 9,453 17.3% 10,815 20.7% 6,903 13.0% Total 54,742 100.0% 52,303 100.0% 53,171 100.0% % of Portfolio % of Portfolio % of Portfolio Expanded Portfolio by Volume 4Q25 3Q25 4Q24 (R$ million) Res. 4,966 Res. 4,966 Res. 2,682 0 - 50 MM 20,602 37.6% 19,265 36.8% 18,537 34.9% 50 MM - 100 MM 10,035 18.3% 10,321 19.7% 10,058 18.9% > 100 MM 24,105 44.0% 22,717 43.4% 24,576 46.2% Total 54,742 100.0% 52,303 100.0% 53,171 100.0% % of Portfolio % of Portfolio % of Portfolio 1 Defined as the credit portfolio more than 90 days overdue during the quarter, added by write -offs

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 12 Portfolio Performance Expected Credit Loss1 % of portfolio +90 Days Overdue (falling due and overdue installments) 1 % of portfolio Operations in Stage 3 and +90 Days Overdue1 % of portfolio Coverage Ratio1,4 1 Based on the new customer segmentation (Middle and Corporate with annual revenues between R$30 million and R$500 million and R$500 million and R$4 billion, respectively), historical data was reclassified from 2024 onwards for comparability purposes 2 % of Loan Portfolio. Excludes the isolated credit effect of a C&IB client , which finalized its Chapter 11 restructuring in the 3Q24 3 % of Expanded Credit Portfolio 4 The Total Expected Credit Loss includes the Prospective provision of R$190 million 0.0% 1.0% 3.2% 1.1% 4Q24 0.0% 1.0% 3.9% 0.9% 1Q25 0.0% 0.7% 4.1% 0.7% 2Q25 0.1% 0.5% 3.3% 0.6% 3Q25 0.0% 0.4% 2.8% 0.5% 4Q25 LC C M Total 1.3% 1.5% 6.3% 2.3% 4Q24 0.8% 1.6% 7.0% 2.1% 1Q25 0.8% 1.8% 7.4% 2.2% 2Q25 0.9% 1.9% 6.9% 2.4% 3Q25 1.2% 1.9% 6.4% 2.4% 4Q25 LC C M Total4 198% 227% 307% 389% 501% 93% 90% 93% 4Q24 90% 1Q25 2Q25 3Q25 4Q25 Expected Credit Loss / +90 days Overdue Expected Credit Loss / Stage 3 Stage 3 +90 days Overdue 1.1% 4Q24 2.4% 0.9% 1Q25 2.4% 0.7% 2Q25 2.6% 0.6% 3Q25 2.6% 0.5% 4Q25 Res. 4,9663 Res. 4,9663 Res. 2,6822 Res. 2,6822 Res. 4,9663Res. 2,6822 Res. 4,9663Res. 2,6822

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 13 Funding The chart below shows the funding breakdown by investor profile. By the end of December 2025, the funding balance reached R$57.7 billion, an increase of 6.9% in the quarter and a decrease of 1.5% in 12 months. Diversification of funding lines and broad access to local and international markets, under competitive conditions, continue to be one of the pillars of the sustainability of our business. Funding 4Q25 Funding Evolution 11,571 36,936 3,624 6,387 4Q24 9,384 35,582 3,672 6,472 1Q25 9,238 36,201 3,307 6,581 2Q25 7,008 37,335 2,872 6,700 3Q25 7,778 40,475 2,644 6,759 4Q25 58,518 55,111 55,326 53,915 57,656 Senior International Senior Domestic Subordinated Financial Letters Shareholders’ Equity Trade Finance Multilateral Agencies, Deposits & Others Institutional Individuals Corporates BNDES Onlending Equity 3.1% 10.3% 33.4% 17.6% 14.3% 9.5% 11.7%

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 14 Funding with Third Parties by Maturity (R$ million) 4Q25 3Q25 Chg (%) 4Q24 Chg (%) Until 3 months 11,178 9,377 19.2% 7,877 41.9% 3 to 12 months 19,271 19,078 1.0% 22,598 -14.7% 1 to 3 years 14,636 13,324 9.8% 16,602 -11.8% Above 3 years 5,812 5,436 6.9% 5,053 15.0% Total 50,897 47,215 7.8% 52,130 -2.4% Funding (R$ million) 4Q25 % of Total 3Q25 % of Total 4Q24 % of Total Demand Deposits 618 1.1% 457 0.8% 632 1.1% Time Deposits 8,282 14.4% 7,483 13.9% 10,476 17.9% LCA, LCI & COE¹ 8,429 14.6% 7,937 14.7% 6,885 11.8% Financial Bills 16,523 28.7% 16,321 30.3% 16,265 27.8% Subordinated Local Notes (Letras Financeiras) 1,531 2.7% 1,556 2.9% 2,056 3.5% Interbank Deposits 452 0.8% 237 0.4% 226 0.4% Borrowing and Onlending Obligations Abroad 8,484 14.7% 7,731 14.3% 11,571 19.8% Borrowing and Onlending Obligations 5,465 9.5% 4,175 7.7% 2,452 4.2% Perpetual Sub. Financial Notes 1,114 1.9% 1,317 2.4% 1,568 2.7% Subtotal (Funding with Third Parties) 50,897 88.3% 47,215 87.6% 52,130 89.1% Shareholders' Equity 6,759 11.7% 6,700 12.4% 6,387 10.9% Total 57,656 100.0% 53,915 100.0% 58,518 100.0% Assets and Liabilities by Maturity The strong discipline in assets and liabilities management is a key element in ABC Brasil's strategy, with positive cumulative cash positions in all maturities. In the 4Q25, the net cash position up to 30 days reached R$10.4 billion, equivalent to 1.5 times the shareholders' equity. ¹ Assuming Federal Government Securities liquid within 1-30 days, based on market prices, as they can be converted into cash through repurchase agreements or sold in the secondary market. 18,153 7,709 10,444 1-30 days 9,886 14,134 (4,248) 31-180 days 9,466 15,136 (5,671) 181-360 days 16,926 16,590 336 1-3 years 8,113 2,702 5,411 4-5 years 3,468 3,268 200 >5 years Assets Liabilities Gap 525 861 10,444 6,196 6,272 6,472 Accumulated Gap¹ 1 LCA: Agriculture Credit Bills / LCI: Real State Credit Bills / COE: Structured Transactions Certificate (R$ million)

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 15 Evolution of Basel Ratio - 4Q25 (R$ million) Tier 1 Tier 2 Total Risk Weighted Assets BIS Ratio Ratio Tier 1 / Reference Equity September 30, 2025 7,811.2 1,327.2 9,138.4 54,685.7 16.7% 85.5% Net Profit 275.5 275.5 0.5% Interest on Capital (IOC) Distributed (228.5) (228.5) -0.4% Basel III Subordinated Debt Issuance (238.6) 31.3 (207.4) -0.4% Others 77.1 77.1 0.1% Change in Risk Weighted Assets 919.9 -0.3% December 31, 2025 7,696.7 1,358.5 9,055.2 55,605.6 16.3% 85.0% 14.3% 2.4% Basel Ratio 3Q25 0.5% Net Income -0.4% Interest on Capital (IoC) -0.4% Δ Debt Issuance (AT1 & Tier II) 0.1% Others -0.3% Δ RWA 13.8% 2.4% Basel Ratio 4Q25 16.7% 16.3% Capital Adequacy ABC Brasil’s Basel Ratio is in full compliance with Basel III rules. The chart and table below break down the bank’s Basel Ratio variations in the quarter: 8,962 6,387 9,072 6,472 9,174 6,581 9,138 6,700 9,055 6,759 Reference Equity Shareholders’ Equity 11.3% 2.9% 2.3% 4Q24 11.7% 3.1% 2.5% 1Q25 11.8% 3.0% 2.5% 2Q25 11.9% 2.4% 2.4% 3Q25 11.9% 1.9% 2.4% 4Q25 16.5% 17.2% 17.3% 16.7% 16.3% Tier 2 AT1 CET1 14.8% 14.3%14.7%14.1% 13.8% In the 4Q25, the average exposure to market risk measured by the trading portfolio VaR reached R$4.4 million (Value-at-Risk estimated through historical simulation method, with one-day time horizon and 99% confidence level). (R$ million) Tier II Tier I In this quarter, the Basel Ratio decreased by 43 basis points, positively impacted by the appropriation of 4Q25 results, and negatively impacted by the provisioning of Interest on Capital, the expansion of Risk-Weighted Assets (RWA) and the repurchase of Perpetual Subordinated Financial Notes (AT1) in the amount of R$176 million in October 2025. It is also worth noting that, in December 2025, the bank declared the recapitalization of Interest on Capital in up to R$314 million, which will positively impact the ratio after the completion of the capital increase.

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 16 Net Interest Income The Net Interest Income of the 4Q25 reached R$713.4 million, an increase of 9.4% in relation to the 3Q25. When comparing the 4Q25 vs. the 4Q24, the increase was 14.0%. The Net Interest Income post-Provisions presented an increased of 4.4% in 4Q25 when compared to the third quarter of 2025, while had an increase of 11.2% in relation to the same period in the previous year. Provision Expanded Provision Expenses for 4Q25 presented an increase of 39.0% when compared to the 3Q25, and an increase of 37.5% when compared to the same period of 2024. In relation to the Expanded Credit Portfolio, the Expanded Provision Expenses ended 4Q25 in 0.9%, an increase of 23 basis-points in relation to the 3Q25. Expanded Provision Expenses R$ million and % of the Expanded Credit Portfolio (annualized) Provision 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 (R$ million) Res. 4,966 Res. 4,966 Chg 3M Res. 2,682 Chg 12M Res. 4,966 Res. 2,682 Chg 12M Provision Expenses before Credit Recoveries(LLP)1 (134,4) (134,1) 0,2% (102,6) 30,9% (445,2) (299,3) 48,7% Credit Recoveries 8,2 44,7 -81,6% 5,0 62,9% 81,3 21,0 286,7% Provision Expenses (126,1) (89,4) 41,1% (97,6) 29,3% (363,9) (278,3) 30,8% Provision for Assets not for Own Use (BNDU)2 0,6 (1,0) -158,8% 6,2 -91,0% 5,4 (2,1) -356,2% Expanded Provision Expenses (125,6) (90,3) 39,0% (91,3) 37,5% (358,5) (280,4) 27,8% Expanded Credit Portfolio 54.742 52.303 4,7% 53.171 3,0% 54.742 53.171 3,0% Expanded Provision / Expanded Portfolio (Annualized) 0,9% 0,7% 23 bps 0,7% 23 bps 0,7% 0,5% 13 bps NII 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 (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 713.4 652.0 9.4% 625.6 14.0% 2,536.5 2,375.7 6.8% Financial Margin with Clients 389.1 392.6 -0.9% 359.5 8.2% 1,494.9 1,431.4 4.4% Shareholders' Equity Remunerated at CDI Rate 181.6 182.7 -0.6% 131.1 38.5% 668.6 503.6 32.8% Financial Margin with Market 142.7 76.8 85.9% 135.0 5.7% 373.1 440.8 -15.4% Provision Expenses (126.1) (89.4) 41.1% (97.6) 29.3% (363.9) (278.3) 30.8% Net Interest Income post-Provisions 587.3 562.7 4.4% 528.1 11.2% 2,172.6 2,097.4 3.6% FINANCIAL HIGHLIGHTS AND INDICATORS 91,3 63,5 79,1 90,3 125,6 0,7% 0,5% 0,6% 0,7% 0,9% -0,20 -0,15 -0,10 -0,05 0,0 0 0,0 5 0,1 0 0,1 5 0,2 0 0,2 5 0,3 0 0,3 5 0,4 0 0,4 5 0,5 0 0,5 5 0,6 0 0,6 5 0,7 0 0,7 5 0,8 0 0,8 5 0,9 0 0,9 5 0 50 100 150 200 4Q24 1Q25 2Q25 3Q25 4Q25 Expanded Provision Expenses Expanded Provision Expenses / Expanded Portfolio 1 Includes Credit Recovery Costs 2 Includes the Provision for Guarantees Issued (PGI) relating to the 2024 period Res. 2,682 Res. 4,966

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 17 Service Revenues Service Revenues reached R$125.9 million in 4Q25 – an increase of 13.8% when compared to the previous quarter and of 5.0% when compared to the same period of 2024. The chart below presents the Service Revenues breakdown, as well as its share in Total Revenues. In the 4Q25, Service Revenues accounted for 24.4% of Revenues with Clients. Service Revenues 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 (R$ million) Res. 4,966 Res. 4,966 Chg 3M Res. 2,682 Chg 12M Res. 4,966 Res. 2,682 Chg 12M Guarantees Issued 39.7 39.9 -0.4% 43.8 -9.3% 167.6 158.7 5.7% Investment Banking 46.8 37.7 24.1% 63.3 -26.1% 151.4 197.6 -23.4% Insurance Brokerage Fees and Commercial Banking 39.4 33.1 19.1% 25.4 54.8% 133.1 117.8 12.9% Total 125.9 110.7 13.8% 132.5 -5.0% 452.1 474.1 -4.6% 33.3 2Q25 39.9 37.733.1 3Q25 39.7 46.8 4Q25 158.7 197.6 117.8 2024 39.4 151.4 133.1 2025 43.8 167.663.3 25.4 4Q24 42.3 32.927.3 1Q25 45.7 34.1 132.5 102.6 113.0 110.7 125.9 474.1 452.1 -5.0% +13.8% -4.6% Insurance Brokerage Fees and Commercial Banking Investment Banking Guarantees Issued (R$ million) 26.9% 23.1% 23.3% 22.0% 24.4% 24.9% 23.2% Service Revenues / Service Revenues + Margin with Clients 4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025 4.2% 3.8% 4.1% 4.4% 4.7% 4.3% 4.3% NIM (% p.a.) 359 341 373 393 389 441 373 504 669 83 143 1Q25 71 161 2Q25 77 183 3Q25 143 182 4Q25 2025 1,495 2024 1,431 131 4Q24 626 567 604 652 713 2,376 2,537 135 +14.0% +9.4% +6.8% Shareholders’ Equity Remunerated at CDI Rate Financial Margin with Market Financial Margin with Clients Net Interest Income (R$ million) NIM The NIM (Net Interest Margin) reached 4.7% p.a. in the 4Q25, an increase of 33 basis points when compared to the previous quarter, and of 56 basis points in relation to the same period of 2024. NIM 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 (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 pre-Provisions (A) 713.4 652.0 9.4% 625.6 14.0% 2,536.5 2,375.7 6.8% Loans (Average) 24,015 22,702 5.8% 23,517 2.1% 23,058 23,523 -2.0% Other Interest Earning Assets (Average) 36,152 36,364 -0.6% 36,353 -0.6% 36,614 32,054 14.2% Average Interest Earning Assets (B) 60,167 59,066 1.9% 59,870 0.5% 59,672 55,577 7.4% Net Interest Margin (% pa) (A/B) 4.7% 4.4% 33 bps 4.2% 56 bps 4.3% 4.3% (3) bps

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 18 Personnel, Other Administrative and Profit-Sharing Expenses Personnel, Other Administrative and Profit-Sharing Expenses reached R$302.9 million in the fourth quarter of 2025, an increase of 8.5% over the previous quarter and of 9.4% over the same period of 2024. The table below presents the changes in expenses, by type: Operating Income Operating Income reached R$451.9 million in the fourth quarter of 2025, an increase of 4.4% in relation to the previous quarter and an increase of 4.8% in relation to the same period in 2024. Follows below the Operating Income breakdown: Efficiency The Efficiency Ratio ended the fourth quarter of 2025 at 37.9%. Expenses and revenues presented an increase of 8.5% and of 11.1% in relation to the previous quarter, respectively. Efficiency 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 (R$ 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) 37.9% 38.8% (91) bps 37.7% 18 bps 39.2% 37.9% 128 bps Expenses (A) (302.9) (279.3) 8.5% (277.0) 9.4% (1,107.4) (1,048.3) 5.6% Personnel (135.0) (126.7) 6.5% (128.4) 5.1% (516.9) (497.4) 3.9% Other Administrative (86.8) (71.1) 22.0% (73.3) 18.3% (295.3) (272.0) 8.6% Profit Sharing (81.2) (81.4) -0.3% (75.2) 7.9% (295.2) (278.9) 5.8% Revenues (B) 799.8 720.1 11.1% 734.9 8.8% 2,826.7 2,766.1 2.2% Net Interest Income pre-Provisions 713.4 652.0 9.4% 625.6 14.0% 2,536.5 2,375.7 6.8% Service Revenues 125.9 110.7 13.8% 132.5 -5.0% 452.1 474.1 -4.6% Tax Expenses (41.9) (40.2) 4.4% (32.8) 28.0% (159.7) (104.4) 52.9% Other Revenues/(Expenses) pre-Provisions 2.5 (2.4) -202.1% 9.5 -73.7% (2.3) 20.7 -111.3% Operating Income 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 (R$ million) Res. 4,966 Res. 4,966 Chg 3M Res. 2,682 Chg 12M Res. 4,966 Res. 2,682 Chg 12M Managerial Net Interest Income 713.4 652.0 9.4% 625.6 14.0% 2,536.5 2,375.7 6.8% Provision Expenses (126.1) (89.4) 41.1% (97.6) 29.3% (363.9) (278.3) 30.8% Managerial Net Interest Income post-Provisions 587.3 562.7 4.4% 528.1 11.2% 2,172.6 2,097.4 3.6% Service Revenues 125.9 110.7 13.8% 132.5 -5.0% 452.1 474.1 -4.6% Personnel & Other Administrative Expenses (221.7) (197.9) 12.1% (201.8) 9.9% (812.2) (769.4) 5.6% Tax & Other Operating Expenses (39.4) (42.6) -7.4% (27.4) 43.9% (162.0) (93.3) 73.6% Operating Income 451.9 432.8 4.4% 431.4 4.8% 1,650.5 1,708.9 -3.4% Expenses 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 2025 2024 2025x2024 (R$ million) Res. 4,966 Res. 4,966 Chg 3M Res. 2,682 Chg 12M Res. 4,966 Res. 2,682 Chg 12M Personnel Expenses (135.0) (126.7) 6.5% (128.4) 5.1% (516.9) (497.4) 3.9% Other Administrative Expenses (86.8) (71.1) 22.0% (73.3) 18.3% (295.3) (272.0) 8.6% Subtotal (221.7) (197.9) 12.1% (201.8) 9.9% (812.2) (769.4) 5.6% Profit Sharing (81.2) (81.4) -0.3% (75.2) 7.9% (295.2) (278.9) 5.8% Total (302.9) (279.3) 8.5% (277.0) 9.4% (1,107.4) (1,048.3) 5.6% Employees 1,328 1,298 2.3% 1,300 2.2% 1,328 1,300 2.2%

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 19 Geographical Footprint Currently, ABC Brasil has commercial footprint in 45 Brazilian cities: Efficiency Ratio (Expenses/Revenues) 4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025 37.7% 42.1% 38.4% 38.8% 37.9% 37.9% 39.2% Sovereign BB BB Ba1 Local brAAA AAA(bra) AAA.Br Global BB BB+ Ba1 Ratings Blumenau Bauru Cascavel Belo Horizonte Caxias do Sul Campinas Chapecó Guarulhos Criciúma Jundiaí Curitiba Macaé Florianópolis Marília Joinville Piracicaba Londrina Presidente Prudente Passo Fundo Ribeirão Preto Porto Alegre Rio de Janeiro Brasília São José do Rio Preto Campo Grande São José dos Campos Canarana São Paulo Cuiabá Teresópolis Goiânia Uberlândia Lucas do Rio Verde Vila Velha Nova Mutum Vitória Rio Verde Fortaleza São Gabriel D'Oeste Luis Eduardo Magalhães Sinop Recife Tangará da Serra Salvador North Palmas Center- West Northeast Cities/Regions South Southeast

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 20 Guidance 2025 ABC Brasil closed 2025 with an Expanded Credit Portfolio annual increase of 3.0%, on the high-end of the reviewed Guidance for the year, between 1% to 4%. This performance was mainly sustained by the Middle segment, which grew by 15.0% in the period, already considering the new client segmentation. Regarding Expenses, ABC Brasil ended 2025 with an increase of 5.6%, within the reviewed Guidance of 4% to 7% – result of a stable headcount and the ongoing pursuit of economies of scale, as well as the implementation of productivity-enhancing initiatives. Finally, the Efficiency Ratio ended 2025 at 39.2%, at the lower end of the 39% to 40% Guidance for the year. 1 Includes: Loans, Guarantees Issued and Private Securities. 2025 Reviewed Guidance 2025 Actual Expanded Credit Portfolio¹ Growth 1% to 4% 3.0% Expenses Growth Personnel, Other Administrative and Profit Sharing 4% to 7% 5.6% Efficiency Ratio Expenses/Income 39% to 40% 39.2%

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 21 Guidance 2026 For 2026, we expect an increase of the Expanded Credit Portfolio between 6% to 10%, supported by an annual expansion between 12% to 18% of the Middle segment. Regarding Expenses (Personnel, Other Administrative and Profit Sharing), the 2026 Guidance assumes an increase between 4% and 8%. Therefore, we expect that in 2026 the revenue growth outpace expense growth, through economies of scale and as new initiatives mature, as well as operational leverage is captured. This is the rationale for the Efficiency Ratio guidance between 37.5% to 39.5% for 2026, assuming a gradual improvement along the year. This guidance contains forward-looking statements that are subject to risks and uncertainties, as they are based on Management´s expectations and assumptions and on market information available to this date. 1 Includes: Loans, Guarantees Issued and Private Securities. 2026 Guidance Expanded Credit Portfolio¹ Growth 6% to 10% Middle Segment Expanded Credit Portfolio¹ Growth 12% to 18% Expenses Growth Personnel, Other Administrative and Profit Sharing 4% to 8% Efficiency Ratio Expenses/Income 37.5% to 39.5%

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 22 Shareholders Common Shares Preferred Shares Total % Common Shares Preferred Shares Total % Marsau Uruguay Holdings (Bank ABC) 122.961.464 30.122.403 153.083.867 62,6% 122.961.464 30.122.403 153.083.867 62,6% Management1 240 11.851.356 11.851.596 4,8% 240 11.855.435 11.855.675 4,8% Free-float 0 76.461.448 76.461.448 31,3% 0 76.237.303 76.237.303 31,2% Total (ex-Treasury) 122.961.704 118.435.207 241.396.911 98,7% 122.961.704 118.215.141 241.176.845 98,6% Treasury Shares 0 3.259.946 3.259.946 1,3% 0 3.480.012 3.480.012 1,4% Total 122.961.704 121.695.153 244.656.857 100,0% 122.961.704 121.695.153 244.656.857 100,0% 1Management includes Company Executives, members of the Board and related persons to Banco ABC Brasil and affiliates companies February 5th, 2026 December 31st, 2025 Ownership Breakdown ABCB4 Volume and Performance Source: Economática (series adjusted for dividends). ¹ Average of the last 30 trading days. Sell-Side Analysts Recommendation Base-date: Feb 05, 2026 20182017 20192016 20202015 20212014 20222013 20232012 20242011 20252010 Feb/2620092008 PERFORMANCE ON THE STOCK EXCHANGE 4 4 1 Buy Hold Sell ABCB4 740.1 IBOV 300.5 ESG Volume ABCB4 (R$ mm) Average ADTV¹ 30 (Feb 04, 2026) 18.3 In 2025, ABC Brasil reinforced its commitment to promoting a low-carbon economy, increasing transparency and alignment with best market practices. Among the main milestones of the year were the Bank's inclusion in B3's Carbon Efficient Index (ICO2) portfolio, an important recognition of the Institution's efficiency in managing greenhouse gas emissions and implementing climate strategies, as well as the publication of the Integrated Annual Report with the inclusion of IFRS S1 and S2 guidelines. Assets linked to ESG criteria reached R$22.3 billion in December 2025, an 8.0% growth compared to the previous year. The balance of sustainable funding in the local market totaled R$1.2 billion.

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Earnings Release 4th Quarter and Full Year of 2025 23 ASSETS 4Q25 3Q25 (R$ million) Res. 4,966 Res. 4,966 Cash and Banks 785.8 916.2 AT AMORTIZED COST 47,748.5 42,623.9 Interbank Investments 5,150.1 2,519.9 Marketable Securities 18,597.6 18,284.9 Loans 23,532.7 21,393.1 Other Financial Assets 1,631.1 1,508.4 Provision for Expected Loss (1,163.0) (1,082.5) AT FAIR VALUE THROUGH OTHER COMPREHENSIVE INCOME 1,186.6 1,172.8 Marketable Securities 1,187.3 1,173.9 Provision for Expected Loss (0.8) (1.1) AT FAIR VALUE THROUGH PROFIT OR LOSS 12,553.3 14,105.4 Marketable Securities 6,975.9 8,179.9 Derivative Financial Instruments 5,684.9 6,029.0 Provision for Expected Loss (107.5) (103.5) OTHER ASSETS 3,738.7 4,143.9 Deferred Tax Assets 1,915.3 2,268.7 Taxes and Contributions to be Compensated 463.4 413.4 Non-Financial Assets Held for Sale 106.2 99.8 Other 1,253.7 1,362.1 FIXED ASSETS AND INTANGIBLE ASSETS 303.6 276.5 TOTAL ASSETS 66,316.4 63,238.7 LIABILITIES 4Q25 3Q25 (R$ million) Res. 4,966 Res. 4,966 AT AMORTIZED COST 52,991.4 49,251.2 Deposits 9,352.4 8,177.1 Money Market Funding 1,832.2 1,758.3 Funds from Acceptance and Issuance of Securities 24,951.6 24,258.5 Subordinated Debts 2,644.2 2,872.5 Loan Obligations 7,641.2 6,748.8 Obligations for Transfers 6,569.7 5,436.0 AT FAIR VALUE THROUGH PROFIT OR LOSS 4,207.0 4,497.5 Derivative Financial Instruments 4,207.0 4,497.5 OTHER LIABILITIES 1,109.7 1,194.0 Provision for Expected Loss 42.3 54.3 Provision for Contingencies 13.6 14.0 Diverse 1,053.9 1,125.7 TAXES LIABILITIES 1,232.2 1,573.0 Current Taxes Liabilities 316.3 192.9 Deferred Taxes Liabilities 915.8 1,380.1 SHAREHOLDERS' EQUITY 6,776.1 6,723.0 Share Capital 5,698.6 5,698.6 Capital Reserve 95.2 87.1 Profit Reserve 1,028.9 682.1 Other Comprehensive Income 0.1 (0.6) Retained Earnings 0.0 300.7 Treasury Stock (63.9) (67.5) Non Controlling Shareholders Interest 17.2 22.7 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY 66,316.4 63,238.7 Consolidated Balance Sheet FINANCIAL STATEMENTS

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Cores Gráficos Status Sem link/desatualizado Com link, sem dados Com link, com dados/atualizado Com link, rever dados /atualizado, rever dados #DEDDD7 #232222 #A6874B #244566 Banco ABC Brasil S.A. Av. Cidade Jardim, 803 | 2nd floor | Itaim Bibi | São Paulo–SP CEP: 01453-000 | Tel: +55 (11) 3170-2500 |abcbrasil.com.br

Earnings release