Slides
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Investor Presentation February 2026
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Strategy and Business Segments
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 • Arab Banking Corporation and local management acquire Roberto Marinho Group’s shares • The bank’s name changes to Banco ABC Brasil S.A. History in Brazil • Arab Banking Corporation and Roberto Marinho Group jointly initiate Banco ABC Roma S.A. IPO • Revamp of Investment Banking operations, with Debt Capital Markets (DCM) and Mergers & Acquisitions (M&A) • Launching of the Middle client segment • Started to operate in Project Finance and Equity Capital Markets (ECM) • Beginning of operations of the Energy Trading Company • Launch of ABC Link – distribution of financial services through banking correspondents • Launching proprietary insurance brokerage • Beginning of operations of the Credit Recovery • Reorganization of the Investment Banking area 1989 2007 20191997 2013 2020 2021 2022 2023 2024 • New Brand positioning, Purpose and Culture Pillars 3 2025 • Introduction of Agri and Real Estate Verticals
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 ABC Brasil Investment Case Reinvestment to support existing operations Investment in new initiatives to accelerate growth Shareholders’ Remmuneration • Expansion in initiatives with “right-to-win” • Diversify revenue streams • Unlock “hidden values” • Capture optionalities • Earnings power to sustain credit portfolio growth • Reduction in Client Acquisition Cost (CAC) and Cost to Serve (CTS) • Build scalability • Profitable franchise • Attractive dividend yield • History of consistent and growing dividend payments 4
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Focus on Companies Notes: 1 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes 2 Includes Loans, Guarantees Issued and Corporate Securities portfolios ABC Brasil offers financial solutions to companies in the Large Corporate, Corporate and Middle segments Expanded Credit Portfolio1,2 (R$ million) Dec/18 42% 55% Dec/19 40% 54% 6% Dec/20 38% 54% 8% Dec/21 34% 57% 10% Dec/22 32% 59%2% Dec/23 31% 61% 8% Dec/24 30% 62% 9% Dec/25 58% 42% 25,570 30,148 34,378 9%43,255 46,381 53,171 54,742 37,715 11% Large Corporate Corporate Middle 5
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Growth Strategy Expand Structural ROAE Capture Synergies among Operations Risk Exposure Dilution Lower Volatility Over the Cycles Clients ▪ Scale number of clients and transaction volume, through a segmented offer ▪ Serve all our clients’ stakeholders (suppliers, employees and clients) Products ▪ Expand the product portfolio ▪ Reduce the dependency on specific business lines ▪ Leverage on the existing infrastructure, diluting the cost to acquire and serve clients Channels ▪ Develop new distribution channels ▪ Use third party channels to distribute our services and products ▪ Distribute third-party services and products through our channels 6
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 ABC Brasil Expansion Geographical Footprint Client Base in Commercial footprint 4Q24 1Q25 2Q25 3Q25 5,207 4,854 4,753 4,699 4Q25 4,676 45 cities 7
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Segments Highlights Geographical Breakdown of the Expanded Credit Portfolio per Segment 60.2% São Paulo 39.8% Rio de Janeiro and Minas Gerais 49.5% São Paulo24.0% South 11.3%Center-West 8.0% Minas Gerais and Northeast 7.2% Rio de Janeiro 49.7% São Paulo24.8%South 20.1% Rio de Janeiro and Minas Gerais 5.5% Northeast Large Corporate1 Middle3 Average Ticket4 (R$ million) Average Term4 (days) Corporate Clients4 Corporate2 Dec/24 Sep/25 Dec/25 Dec/24 Sep/25 Dec/25 Dec/24 Sep/25 Dec/25 379 410 405 100.2 86.8 87.7 315 341 316 2,498 2,192 2,180 21.2 24.0 25.3 380 406 420 2,330 2,097 2,091 350 389 390 2.6 3.0 3.3 Total Dec/25 4,676 -10% Chg. 12M Large Corporate Corporate Middle Notes: 1 Large Corporate: Clients with annual sales above R$4 bn 2 Corporate: Clients with annual sales between R$500 mm and R$4 bn 3 Middle: Clients with annual sales between R$30 mm and R$500 mm 8 4 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Expanded Credit Portfolio Notes: 1 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes 2 Includes Loans and Corporate Securities portfolios 9 Expanded Credit Portfolio1 4Q25 3Q25 4Q25x3Q25 4Q24 4Q25x4Q24 (R$ 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%
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Economic Sectors & Collaterals Retail & Wholesale 8.2% Financial Services 6.5% Real Estate 7.4% Agribusiness 23.3% Energy 11.7% Economic Sectors (Expanded Credit Portfolio) Collaterals (Expanded Credit Portfolio) 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 Corporate Large Corporate Middle Collateralized Portfolio: 8.2% Collateralized Portfolio: 35.8% Collateralized Portfolio: 40.9% Transports & Logistic 6.5% Services 8.4% 10 5.9% Agriculture & Livestock 3.1% Sugar & Ethanol 2.7% Agricultural Inputs 8.3% Generation 2.8% Distribution0.6% Transmission 8.4% Services1.9% Wholesale 1.6% Non Food Retail 4.7% Others 6.4% 1.0% Others 4.8% Insurance, Acquirers & Others 1.6% Banks Construction & Developers 1.3% Storage and Logistics 0.9% Maritime Transport 4.3%Others 5.3%Oil, Gas & Chemicals 3.7%Food Industry 2.9%Consumer Goods Industry 2.7%Heavy Construction 2.1% 11.6% 1.9% Water & Sewage 1.5% Automotive 1.4% Telecom Metal & Mining Pulp & Paper 1.2% Textile Industry Grains Chain4.0% Others 1.2%
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 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 Credit Portfolio Quality Expanded Provision Expenses Expected Credit Loss1 11 (R$ million) Expanded Provision Expenses Expanded Provision Expenses / Expanded Portfolio LC C M Total4 Res. 2,6822 Notes: 1 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes 2 % of Loan Portfolio Res. 4,9663Res. 2,6822 Res. 4,9663 3 % of Expanded Credit Portfolio 4 The Total Expected Credit Loss includes the Prospective provision of R$190 million 0.7% 4Q24 0.5% 1Q25 0.6% 2Q25 0.7% 3Q25 0.9% 4Q25 91.3 63.5 79.1 90.3 125.6
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Credit Portfolio Quality +90 Days Overdue1 (includes falling due and overdue installments) Overdue Balance 12 LC C M Total Res. 2,6822 Res. 4,9663 273 485 382 319 262 4Q24 1Q25 2Q25 3Q25 4Q25 0.0% 1.0% 3.2% 1.1% 0.0% 1.0% 3.9% 0.9% 0.0% 0.7% 4.1% 0.7% 0.1% 0.5% 3.3% 0.6% 0.0% 0.4% 2.8% 0.5% Notes: 1 Based on the new client segmentation, historical data has been reclassified from 2024 onwards for comparability purposes 2 % of Loan Portfolio 3 % of Expanded Credit Portfolio
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Credit Portfolio Quality Operations in Stage 3 and +90 Days Overdue Balance Coverage Ratio3 13 Res. 4,9662Res. 2,6821Res. 4,9662Res. 2,6821 198% 227% 307% 389% 501% 90% 93% 90% 93% 4Q24 1Q25 2Q25 3Q25 4Q25 Expected Credit Loss / +90 days Overdue Expected Credit Loss / Stage 3 Stage 3 +90 days Overdue 1.1% 4Q24 0.9% 1Q25 2.4% 0.7% 2Q25 2.6% 0.6% 3Q25 2.6% 0.5% 4Q25 2.4% Notes: 1 % of Loan Portfolio 2 % of Expanded Credit Portfolio 3 The Total Expected Credit Loss includes the Prospective provision of R$190 million
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Funding and Capital Base
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Funding Funding 4Q25 Funding Evolution 11,571 36,936 3,624 6,387 4Q24 9,384 35,582 3,672 6,472 1Q25 9,238 36,201 3,307 6,581 2Q25 7,008 37,335 2,872 6,700 3Q25 7,778 40,475 2,644 6,759 4Q25 58,518 55,111 55,326 53,915 57,656 Senior International Senior Domestic Subordinated Financial Letters Shareholders’ Equity Trade Finance Multilateral Agencies, Deposits & Others Institutional Individuals Corporates BNDES Onlending Equity 3.1% 10.3% 33.4% 17.6% 14.3% 9.5% 11.7% (R$ million) 15
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Funding & Ratings Ratings Sovereign BB BB Ba1 Local brAAA AAA(bra) AAA.Br Global BB BB+ Ba1 1 LCA: Agriculture Credit Bills / LCI: Real State Credit Bills / COE: Structured Transactions Certificate 16 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%
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Assets & Liabilities by Maturity 525 861 10,444 6,196 6,272 6,472 Accumulated Gap¹ 18,153 7,70910,444 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 Ativos Liabilities Gap(As of December, 2025) ALM Note: 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. (R$ million) 17
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Basel Ratio & Shareholders’ Equity (R$ million) 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 8,962 6,387 9,072 6,472 9,174 6,581 9,138 6,700 6,759 9,055 Shareholders’ EquityReference Equity Basel Ratio 3Q25 vs. 4Q25 Basel Ratio 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% 18 Tier II Tier I
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Financial Highlights
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Net Interest Income Shareholders’ Equity Remunerated at CDI Rate Financial Margin with Market Financial Margin with Clients Net Interest Income & NIM 652.0 Net Interest Income 3Q25 (3.5) Δ Financial Margin with Clients 66.0 Δ Financial Margin with Market (1.1) Δ Shareholders’ Equity Remunerated at CDI Rate 713.4 Net Interest Income 4Q25 Net Interest Income 3Q25 vs. 4Q25 4.2% 3.8% 4.1% 4.4% 4.7% 4.3% 4.3% NIM (R$ million) 359 341 373 393 389 135 143 441 373 131 182 504 669 4Q24 83 143 1Q25 71 161 2Q25 77 183 3Q25 4Q25 1,431 2024 1,495 2025 626 567 604 652 713 2,376 2,537 +14.0% +9.4% (% p.a.)(R$ million) 20
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Margin and Spread with Clients Annualized Spread with Clients Provision Expenses Mgn. w/ Clients adj. by Provisions 3.7% 2.7% 3.5% 2.8% 3.8% 3.0% 4.0% 3.1% 3.8% 2.6% Spread w/ Clients¹ Spread w/ Clients adj. by Provisions 97.6 261.9 4Q24 69.1 271.5 1Q25 79.4 293.2 2Q25 89.4 303.2 3Q25 126.1 263.0 4Q25 359.5 340.6 372.6 392.6 389.1 Notes: 1 Spread with Clients is calculated as Financial Margin with Clients divided by the average Loans and Corporate Securities Portfolio. 21 (R$ million) Res. 4.966Res. 2.682
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Service Revenues Insurance Brokerage Fees and Commercial Banking Investment Banking Guarantees Issued 26.9% 23.1% 23.3% 22.0% 24.4% 24.9% 23.2% Service Revenues / Service Revenues + Margin with Clients 110.7 Service Revenues 3Q25 (0.2) Δ Guarantees Issued 9.1 Δ Investment Banking 6.3 Δ Insurance Brokerage Fees and Commercial Banking 125.9 Service Revenues 4Q25 (R$ million) (R$ million) 63.3 25.4 4Q24 42.3 32.9 27.3 1Q25 45.7 34.1 33.3 2Q25 39.9 37.7 33.1 3Q25 39.7 46.8 43.8 4Q25 158.7 197.6 117.8 2024 167.6 151.4 133.1 2025 132.5 102.6 113.0 110.7 125.9 474.1 452.1 39.4 Service Revenues 3Q25 vs. 4Q25 Service Revenues 22
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Expenses and Efficiency Ratio 4Q24 1Q25 2Q25 3Q25 4Q25 2024 2025 37.7% 42.1% 38.4% 38.8% 37.9% 37.9% 39.2% Efficiency Ratio (Expenses/Revenues) 23 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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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Profitability Recurring Net Income Recurring ROAE 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) (p.a.) 24
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Ownership and Organizational Breakdown
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Ownership Structure Central Bank of Libya Kuwait Investment Authority Free-float Dec/25 Dec/25 63.5%4.9% 31.6% Bank ABC Management² Free-float ABC Brasil¹ Bank ABC (Controlling Shareholder) 59.4% 29.7% 10.9% Notes: 1 Ex-Treasury 2 Management includes Company Executives, members of the Board and related persons to Banco ABC Brasil and affiliates companies 26
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Corporate Structure (Feb/26) 27
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Corporate Governance Listed at B3 since 2007 • Minority shareholders with the right to appoint independent board members • All related-party transactions subject to CVM and B3 regulatory rules, including mandatory disclosure in the financial statements Included in the following B3’s indexes: Admitted at B3’s Level 2 of Corporate Governance since IPO Local management Partnership, supplemented by long- term alignment • Senior management with approximately 4.9%1 of the total capital of ABC Brasil, through long term incentive plans • Employees with a relevant part of their remuneration linked to performance goals, and relevant portion paid in ABC Brasil’s shares • ~31% free float • Active research coverage by sell-side analysts and credit rating agencies, with full disclosure 28 Note: 1 As of December 31, 2025
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 ESG Highlights 29 • Allocation of more than R$22.3 billion¹ to asset operations linked to ESG criteria² • Issuance of more than R$1.2 billion¹ in sustainable Financial Bills and CDBs on the local market • Structuring ESG debt securities on the local capital market • BNDES Onlending ESG lines: Fundo Clima, FGEnergia, Finame Baixo Carbono and Renovação de Frota • Access to ESG lines through global multilateral agencies: Climate Change • Decarbonization Solutions Desk: products that support the transition to a low-carbon economy • Automated measurement of emissions related to financing activities • Strategy for reducing and offsetting scope 1 and 2 emissions Adhesion to the B3 Carbon Efficient Index Portfolio Sustainable Finance CDP Signatory Investor United Nations Global Pact Member Pacts & Commitments Notes: 1 As of December 31, 2025 2 According to ABC Brasil's Sustainable Finance Framework, which has a second party opinion from S&P, and the Febraban Green Taxonomy • Release of the 2024 Integrated Annual Report, consolidating the Company's financial and non- financial information, demonstrating how we generate value over time • ESG Committee, reporting directly to the Board of Directors Governance Partnership for Carbon Accounting Financials Member Febraban Award Socio-environmental Pillar Gold Seal Brazilian GHG Protocol Program Awards & Recognitions Ranking Extel 2025 Best ESG Program - Small Cap
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Appendix
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Managerial Income Statement 31 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%
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Contact Website: www.abcbrasil.com.br | ri.abcbrasil.com.br Phone: +55 (11) 3170-2000 32
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Disclaimer The following material, on this date, is a presentation containing general information about the Banco ABC Brasil S.A. and their affiliates. We offer no guarantee and make no declaration, implicitly or explicitly, as to the accuracy, completeness or scope of this information. This presentation may include forward-looking statements of future events or results according to the regulations of the Brazilian and International securities and exchange commissions. These statements are based on certain assumptions and analyses by the Company that reflect its experience, the economic environment, future market conditions and expected events by the company, many of which are beyond the control of the Company. Important factors that may lead to significant differences between the actual results and the statements of expectations about future events or results include the company’s business strategy, Brazilian and International economic conditions, technology, financial strategy, financial market conditions, uncertainty regarding the results of its future operations, plans, objectives, expectations and intentions, among others. Considering these factors, the actual results of the company may be significantly different from those shown or implicit in the statement of expectations about future events or results. The information and opinions contained in this presentation should not be understood as a recommendation to potential investors and no investment decision is to be based on the veracity, current events or completeness of this information or these opinions. No advisors to the company or parties related to them or their representatives should have any responsibility for any losses that may result from the use or contents of this presentation.