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BANCO ABC BRASIL Investor Presentation August 2026 BANCO ABC BRASIL ABCB4 NÍVEL 2 BOVESPA BRASIL Índice BM & FBOVESPA Financeiro IFNC Índice Small Cap SMLL Índice de Ações com Tag Along come on ITAG indice de Ações com Governança Corporativa Diferenciada IGC Indice Carbono CO2
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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 The historical data for 2025 has been reclassified for comparability purposes, based on the new client segmentation (Middle and Corporate with annual revenues between R$30 million and R$500 million and R$500 million and R$4 billion, respectively) 2 Includes Loans, Guarantees Issued and Corporate Securities portfolios ABC Brasil offers financial solutions to companies in the Large Corporate, Corporate and Middle segments Expanded Credit Portfolio1,2 (R$ million) 42% 55% 2% Dec/19 40% 54% 6% Dec/20 38% 54% 8% Dec/21 34% 57% 10% Dec/22 32% 59% 9% Dec/23 31% 61% 8% Dec/24 30% 62% 9% Dec/25 28% 63% 9% Jun/26 58% 42% Dec/18 25,570 30,148 34,378 37,715 43,255 46,381 53,171 54,742 56,464 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 2Q25 3Q25 4Q25 1Q26 2Q26 4,753 4,699 4,676 4,525 4,467 46 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 61.6% São Paulo 38.4% Rio de Janeiro and Minas Gerais 47.7% São Paulo 25.1% South 11.6%Center-West 8.4% Minas Gerais and Northeast 7.1% Rio de Janeiro 51.2% São Paulo22.8%South 20.7% Rio de Janeiro and Minas Gerais 5.4% Northeast Large Corporate1 Middle3 Average Exposure Per Client4 (R$ million) Average Term4 (days) Corporate Clients4 Corporate2 Jun/25 Mar/26 Jun/26 Jun/25 Mar/26 Jun/26 Jun/25 Mar/26 Jun/26 379 414 401 93.4 84.9 79.7 344 336 360 2,304 2,079 2,074 23.7 24.8 26.2 396 426 438 2,070 2,032 1,992 387 370 379 2.5 3.4 3.5 Total Jun/26 4,467 -6% 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 The historical data for 2025 has been reclassified for comparability purposes, based on the new client segmentation (Middle and Corporate with annual revenues between R$30 million and R$500 million and R$500 million and R$4 billion, respectively)
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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 The historical data for 2025 has been reclassified for comparability purposes, based on the new client segmentation (Middle and Corporate with annual revenues between R$30 million and R$500 million and R$500 million and R$4 billion, respectively) 2 Includes Loans and Corporate Securities portfolios 9 Expanded Credit Portfolio1 (R$ million) Loans 24,288 100% 23,504 100% 3.3% 22,521 100% 7.8% Large Corporate 3,176 13.1% 3,493 14.9% -9.1% 4,262 18.9% -25.5% Corporate 16,782 69.1% 15,684 66.7% 7.0% 14,592 64.8% 15.0% Middle 4,330 17.8% 4,327 18.4% 0.1% 3,668 16.3% 18.1% Corporate Securities 18,522 100% 18,428 100% 0.5% 16,726 100% 10.7% Large Corporate 5,086 27.5% 5,663 30.7% -10.2% 4,145 24.8% 22.7% Corporate 12,802 69.1% 12,309 66.8% 4.0% 12,349 73.8% 3.7% Middle 634 3.4% 456 2.5% 38.8% 233 1.4% 172.1% "Cash" Portfolio 2 42,810 100% 41,932 100% 2.1% 39,247 100% 9.1% Large Corporate 8,262 19.3% 9,155 21.8% -9.8% 8,407 21.4% -1.7% Corporate 29,584 69.1% 27,994 66.8% 5.7% 26,940 68.6% 9.8% Middle 4,964 11.6% 4,783 11.4% 3.8% 3,901 9.9% 27.3% Guarantees Issued 13,653 100% 12,495 100% 9.3% 12,872 100% 6.1% Large Corporate 7,443 54.5% 7,484 59.9% -0.5% 7,659 59.5% -2.8% Corporate 6,099 44.7% 4,926 39.4% 23.8% 5,172 40.2% 17.9% Middle 111 0.8% 84 0.7% 32.1% 42 0.3% 167.4% Expanded Credit Portfolio 56,464 100% 54,427 100% 3.7% 52,120 100% 8.3% Large Corporate 15,705 27.8% 16,639 30.6% -5.6% 16,066 30.8% -2.2% Corporate 35,683 63.2% 32,920 60.5% 8.4% 32,112 61.6% 11.1% Middle 5,076 9.0% 4,868 8.9% 4.3% 3,943 7.6% 28.7% 1Q26% Total2Q26 Chg 12M% Total2Q25Chg 3M% Total
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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 7.4% Financial Services 7.9% Real Estate 7.6% Energy 10.5% Economic Sectors (Expanded Credit Portfolio) Collaterals1 (Expanded Credit Portfolio) 92.1% Clean 3.6% Receivables 2.1% Financial Assets 2.1% Properties 0.0% Others 62.7% Clean 10.9% Receivables 17.1% Properties 4.4% Financial Assets 1.3% Agribusiness Colaterals 3.6% Others 48.1% Clean 34.2% Receivables 5.7% Financial Assets 1.7% Properties 10.2% Others Corporate Large Corporate Middle Collateralized Portfolio: 7.9% Collateralized Portfolio: 37.3% Collateralized Portfolio: 51.9% Transports & Logistic 5.4% Services 8.3% 10 Note: 1 For government programs, collateral is shown as a percentage of the portfolio included in the program ("stop loss"), rather than the percentage guaranteed in each individual transaction 5.5% Agriculture & Livestock 3.6% Sugar & Ethanol 2.3% Agricultural Inputs 6.9% Generation 3.0% Distribution0.6% Transmission 8.3% Services 5.7% Insurance, Acquirers & Others 2.2% Banks 6.7% Construction & Developers 0.9% Others 1.5% Wholesale 1.3% Non Food Retail 4.6% Others 0.8% Maritime Transport 0.5% Storage and Logistics 4.1% Others 4.7%Oil, Gas & Chemicals 3.5%Consumer Goods Industry 3.4%Food Industry 2.4% Metal & Mining 2.4% 12.3% 2.3% Water & Sewage 2.1% Automotive 1.5% Telecom Heavy Construction Textile Industry 1.0% Pulp & Paper Grains Chain4.8% Others 1.1% Agribusiness 23.7%
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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 0.8% 7.4% 2.2% 2Q25 0.9% 6.9% 2.4% 3Q25 1.2% 6.4% 2.4% 4Q25 1.2% 6.6% 2.3% 1Q26 0.6% 6.9% 2.2% 2Q26 Credit Quality Expanded Provision Expenses Expected Credit Loss1,2 11 (R$ million) Expanded Provision Expenses Expanded Provision Expenses / Expanded Portfolio LC C M Total1 Notes: 1 The historical data for 2025 has been reclassified for comparability purposes, based on the new client segmentation (Middle and Corporate with annual revenues between R$30 million and R$500 million and R$500 million and R$4 billion, respectively) 2 Total Expected Credit Loss includes the Prospective Provision of R$190 million 0.6% 2Q25 0.7% 3Q25 0.9% 4Q25 0.8% 1Q26 0.6% 2Q26 79.1 90.3 125.6 113.3 78.6 (% of Expanded Portfolio) (% of Expanded Portfolio) 1.8% 1.9% 1.9% 1.6% 1.7%
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Overdue Balance 12 LC C M Total 382 319 262 279 332 2Q25 3Q25 4Q25 1Q26 2Q26 0.0% 0.7% 4.1% 0.7% 0.1% 0.5% 3.3% 0.6% 0.0% 0.4% 2.8% 0.5% 0.0% 0.4% 2.8% 0.5% 0.1% 0.4% 3.3% 0.6% Overdue for More Than 90 Days1 (includes falling due and overdue installments) R$ million and % of Expanded Portfolio Note: 1 The historical data for 2025 has been reclassified for comparability purposes, based on the new client segmentation (Middle and Corporate with annual revenues between R$30 million and R$500 million and R$500 million and R$4 billion, respectively) Credit Quality
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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 Operations in Stage 3 and +90 Days Overdue Balance Coverage Ratio1 13 307% 389% 501% 447% 377% 93% 90% 93% 82% 76% 2Q25 3Q25 4Q25 1Q26 2Q26 Expected Credit Loss / +90 days Overdue Expected Credit Loss / Stage 3 Stage 3 +90 days Overdue 2.4% 0.7% 2Q25 2.6% 0.6% 3Q25 2.6% 0.5% 4Q25 2.8% 0.5% 1Q26 2.9% 0.6% 2Q26 Note: 1 Total Expected Credit Loss includes the Prospective Provision of R$190 million (% of Expanded Portfolio) Credit Quality
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Funding and Capital Base
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127 – 127 – 127, 1 pt. 204 – 209 – 215 72 – 80 – 89 94 – 124 – 158 242 – 242 – 242 119 – 152 – 174 0 – 51 – 93 217 – 217 – 217 16 – 35 – 53 Open Sans light Slide Title – 24 Open Sans medium Slide Subtitle – 16 Open Sans light Chart Title e Text – 14 Open Sans light Chart Text – 12 Footnotes – 10 Funding Funding 2Q26 Funding Evolution 9,238 36,201 3,307 6,581 2Q25 7,008 37,335 2,872 6,700 3Q25 7,778 40,475 2,644 6,759 4Q25 9,094 39,968 2,704 7,148 1Q26 9,440 40,105 2,696 7,259 2Q26 55,326 53,915 57,656 58,913 59,500 Senior International Senior Domestic Subordinated Financial Letters Shareholders’ Equity 4.9% Trade Finance 11.0% Multilateral Agencies, Deposits & Others 33.6% Institutional 18.2% Individuals 11.4%Wholesale 8.6% BNDES Onlending 12.2% Equity (R$ 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) 2Q26 % of Total 1Q26 % of Total 2Q25 % of Total Demand Deposits 594 1.0% 547 0.9% 563 1.0% Time Deposits 6,985 11.7% 7,292 12.4% 8,078 14.6% LCA, LCI & COE¹ 9,134 15.4% 9,011 15.3% 7,624 13.8% Financial Bills 17,409 29.3% 17,130 29.1% 16,682 30.2% Subordinated Local Notes (Letras Financeiras) 1,090 1.8% 1,547 2.6% 1,701 3.1% Interbank Deposits 418 0.7% 439 0.7% 128 0.2% Borrowing and Onlending Obligations Abroad 9,877 16.6% 9,539 16.2% 9,250 16.7% Borrowing and Onlending Obligations 5,128 8.6% 5,104 8.7% 3,112 5.6% Perpetual Sub. Financial Notes 1,606 2.7% 1,157 2.0% 1,606 2.9% Subtotal (Funding with Third Parties) 52,241 87.8% 51,766 87.9% 48,745 88.1% Shareholders' Equity 7,259 12.2% 7,148 12.1% 6,581 11.9% Total 59,500 100.0% 58,913 100.0% 55,326 100.0%
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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 9,914 9,786 3,458 2,101 7,006 6,977 Accumulated Gap¹ 17,793 7,879 9,914 1-30 days 13,260 13,388 (128) 31-180 days 7,625 13,953 (6,328) 181-360 days 18,509 19,867 (1,357) 1-3 years 8,912 4,007 4,905 4-5 years 3,184 3,212 (29) >5 years Assets Liabilities Gap (As of June, 2026) 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) 11.8% 3.0% 2.5% 2Q25 11.9% 2.4% 2.4% 3Q25 11.9% 1.9% 2.4% 4Q25 11.4% 2.0% 2.5% 1Q26 11.9% 1.9% 2.4% 2Q26 17.3% 16.7% 16.3% 15.9% 16.2% Tier 2 AT1 CET1 9,174 6,581 9,138 6,700 9,055 6,759 8,947 7,148 9,300 7,259 Reference Equity Shareholders’ Equity Basel Ratio 1Q26 vs. 2Q26 Basel Ratio 2.5% 2.4% 13,4% Basel Ratio 1Q26 +0,4% Net Income -0,3% Interest on Capital Provisioned +0,5% Capital Increase -0,1% Δ Debt Issuance (AT1 & Tier II) -0,1% Others -0,3% Δ RWA 13,7% Basel Ratio 2Q26 15,9% 16,2% 18 Tier II Tier I Effects on Reference Equity Effect on RWA
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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 647.8 Net Interest Income 1Q26 13.3 Δ Financial Margin with Clients 4.9 Δ Financial Margin with Market (6.8) Δ Shareholders’ Equity Remunerated at CDI Rate 659.2 Net Interest Income 2Q26 Net Interest Income 1Q26 vs. 2Q26 4.1% 4.4% 4.7% 4.1% 4.1% 3.9% 4.1% NIM (R$ million) 373 393 389 374 387 713 761 143 104 109 154 213 161 183 182 170 163 304 333 71 2Q25 77 3Q25 4Q25 1Q26 2Q26 1H25 1H26 604 652 713 648 659 1,171 1,307 +9.1% +1.8% (% 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 3.8% 3.0% 4.0% 3.1% 3.8% 2.6% 3.6% 2.5% 3.7% 2.9% Spread w/ Clients¹ Spread w/ Clients adj. by Provisions 79.4 293.2 2Q25 89.4 303.2 3Q25 126.1 263.0 4Q25 113.1 260.8 1Q26 79.9 307.2 2Q26 372.6 392.6 389.1 373.9 387.2 Note: 1 Spread with Clients is calculated as Financial Margin with Clients divided by the average Loans and Corporate Securities Portfolio. 21 (R$ 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 Service Revenues Investment Banking Insurance Brokerage Fees and Commercial Banking Guarantees Issued 23.3% 22.0% 24.4% 19.1% 21.0% 23.2% 20.1% Service Revenues / Service Revenues + Margin with Clients Service Revenues 1Q26 (0.5) Δ Guarantees Issued Δ Investment Banking Δ Insurance Brokerage Fees and Commercial Banking Service Revenues 2Q26 88.5 9.1 5.7 102.8 (R$ million) (R$ million) 3Q25 4Q25 1Q26 2Q26 1H25 1H26 113.0 110.7 125.9 88.5 102.8 215.6 191.4 45.7 33.3 34.1 39.9 2Q25 37.7 39.7 39.4 46.8 40.6 28.0 20.0 40.1 33.6 29.1 88.0 60.6 66.9 80.7 61.6 49.0 33.1 Service Revenues 1Q26 vs. 2Q26 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 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 38.4% 38.8% 37.9% 41.9% 41.2% 40.2% 41.5% Efficiency Ratio (Expenses/Revenues) 23 Expenses (R$ million) Personnel Expenses (139.1) (131.7) 5.7% (128.2) 8.5% (270.8) (255.1) 6.2% Other Administrative Expenses (76.8) (73.6) 4.4% (66.6) 15.2% (150.3) (137.4) 9.4% Subtotal (215.9) (205.2) 5.2% (194.9) 10.8% (421.2) (392.5) 7.3% Profit Sharing (79.6) (86.6) -8.1% (64.6) 23.2% (166.2) (132.7) 25.2% Total (295.5) (291.9) 1.2% (259.5) 13.9% (587.3) (525.2) 11.8% Employees 1,357 1,343 1.0% 1,295 4.8% 1,357 1,295 4.8% 2Q26 1Q26 2Q26x1Q26 2Q26x2Q25 1H26x1H252Q25 1H26 1H25
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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 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 244.1 256.8 275.5 230.2 257.3 469.7 487.5 +5.4% +11.8% 2Q25 3Q25 4Q25 1Q26 2Q26 1H25 1H26 15.0% 15.5% 16.3% 13.5% 14.3% 14.5% 14.0% (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 Jun/26 Mar/26 63.6% 4.0% 32.4% 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 (Aug/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 4.0%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 • ~32% free float • Active research coverage by sell-side analysts and credit rating agencies, with full disclosure 28 Note: 1 As of June 30, 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 ESG Highlights 29 • Allocation of more than R$23.4 billion¹ to asset operations linked to ESG criteria² • Issuance of more than R$935 million¹ 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 June 30, 2026 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 2025 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 (R$ million) Net Interest Income 659.2 647.8 1.8% 604.4 9.1% 1,307.0 1,171.1 11.6% Financial Margin with Clients 387.2 373.9 3.6% 372.6 3.9% 761.0 713.2 6.7% Shareholders' Equity Remunerated at CDI Rate 163.3 170.1 -4.0% 160.9 1.5% 333.4 304.3 9.6% Financial Margin with Market 108.7 103.8 4.7% 70.9 53.3% 212.5 153.6 38.3% Provision Expenses (79.9) (113.1) -29.3% (79.4) 0.7% (193.0) (148.4) 30.0% Net Interest Income post-Provisions 579.3 534.7 8.3% 525.0 10.3% 1,114.0 1,022.7 8.9% Service Revenues 102.8 88.5 16.1% 113.0 -9.0% 191.4 215.6 -11.2% Guarantees Issued 40.1 40.6 -1.2% 45.7 -12.2% 80.7 88.0 -8.3% Investment Banking 29.1 20.0 45.6% 34.1 -14.6% 49.0 66.9 -26.7% Insurance Brokerage Fees and Commercial Banking 33.6 28.0 20.3% 33.3 1.1% 61.6 60.6 1.6% Personnel & Other Administrative Expenses (215.9) (205.2) 5.2% (194.9) 10.8% (421.2) (392.5) 7.3% Personnel Expenses (139.1) (131.7) 5.7% (128.2) 8.5% (270.8) (255.1) 6.2% Other Administrative Expenses (76.8) (73.6) 4.4% (66.6) 15.2% (150.3) (137.4) 9.4% Tax Expenses (39.6) (40.7) -2.6% (42.9) -7.5% (80.3) (77.6) 3.5% Other Operating Income/Expenses (5.4) 1.0 -624.7% 0.4 -1485.4% (4.4) (2.4) 84.0% Non Operating Income 1.3 (0.2) -657.9% 0.3 361.6% 1.1 5.8 -81.6% Earnings before Tax and Profit Sharing 422.4 378.2 11.7% 401.0 5.4% 800.6 771.6 3.8% Income Tax and Social Contribution (82.7) (58.5) 41.4% (86.9) -4.8% (141.2) (160.8) -12.1% Profit Sharing (79.6) (86.6) -8.1% (64.6) 23.2% (166.2) (132.7) 25.2% Minority Interest (2.8) (2.8) 0.6% (5.4) -47.5% (5.7) (8.5) -33.5% Recurring Net Income 257.3 230.2 11.8% 244.1 5.4% 487.5 469.7 3.8% 1H26x1H252Q26x2Q252Q26x1Q262Q26 1Q26 2Q25 1H26 1H25
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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.