Slides
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CAIXA Seguridade EARNINGS PRESENTATION 2Q26
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Gustavo Portela CEO - Chief Executive Officer STRATEGIC EXECUTION/ HIGHLIGHTS EARNINGS PRESENTATION2Q26
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GROWTH REFLECTS THE EXPANSION OF CAIXA'S MORTGAGE LOAN PORTFOLIO . FOCUS ON SALES OF HOME BUNDLED WITH MORTGAGE INSURANCE. + HOME PROTECTION MORTGAGE BRL1.122.5 mi Written Premiums +14.0%/2Q25 HOME HIGHLIGHTS 2Q26 + 18.2 % /2Q25 Bundled Written PremiumsBRL279.1 mi Written Premiums
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POSITIVE NET INFLOW OF BRL 1.4 BI. HIPERXCAP LAUNCH – PRIZE - LINKED PHILANTHROPY. + CARE FOR WHAT MATTERS PRIVATE PENSION BRL6.7 bi Contributions +17.7%/2Q25 PREMIUM BONDS BRL545.6mi Funds Raised +24.9%/2Q25 HIGHLIGHTS 2Q26 BRL214.4 bi Reserves +16.1%/2Q25
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HIGHLIGHTS 2Q26 5th strongest brand in Brazil according to the Brand Finance Brazil 100 2026 ranking. GHG Protocol Gold Seal Awarded for the fifth consecutive year, in recognition of the Company's 2024 Greenhouse Gas (GHG) Emissions Inventory. Leading Administrator in Real Estate Credit Letter Awards¹. 1 Position in May/2026 .
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BRL 1.14 BI Managerial NET INCOME +9.5% /2Q25 PERFORMANCE 2Q26 BRL 1.05 BI DIVIDENDS 92.0% payout BRL 1.5 BI Operating REVENUE +8.5% /2Q25 70.9 % ROE +1.3 p.p. /2Q25
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EARNINGS PRESENTATION2Q26 Edgar Vieira Soares CFO / IRO Chief Financial and Investor Relations Officer PERFORMANCE COMMERCIAL AND FINANCIAL
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1,382 1,524 1,500 2,764 3,024 2Q25 1Q26 2Q26 | 6M25 6M26 8 REVENUES Operating BRL1.5 billion Revenues BRL million 2Q26 /2Q25 /6M25 Equity Results 59% 885 +11% +14% Distribution 41% 615 +5% +3% Total 100% 1.500 +9% +9% ¹ Net income for the last 12 months / average adjusted equity for the reference month and the corresponding month of the previous fiscal year. Operating Revenues BRL million Managerial Net Income BRL million 1,042 1,143 1,141 2,051 2,284 2Q25 1Q26 2Q26 | 6M25 6M26 69.6 69.2 70.4 65.9 70.9 2Q25 3Q25 4Q25 1Q26 2Q26 Accounting Net Income² of BRL 1,160.0 million in 2Q26, up 12.8% compared to 2Q25. ROE¹ 70.4% p.a. ROE: Highest ROE in the Company's history: 70.9% FINANCIAL PERFORMANCE NET INCOME Managerial BRL1.1 billion ROE¹ 70.9% p.a. +9.5% +11.4% +8.5% +9.4% ROE % p.a. -0.2% -1.6% ² In accordance with CPC 50 (IFRS 17).
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9 2,450 2,550 2,600 4,866 5,150 2Q25 1Q26 2Q26 | 6M25 6M26 Written Premiums by Segment BRL million BRL million 2Q26 /2Q25 /6M25 Mortgage 45% 1,123 +14% +14% Life 23% 560 -6% -4% Credit Life 12% 300 -10% -16% Home 11% 279 0% +3% Auto 6% 153 +72% +88% Assistance 2% 54 -28% -27% Other Insurance 1% 23 -4% +19% Total Insurance 100% 2.491 +5% +5% Earned Premiums by Segment BRL million ‘ BRL million 2Q26 /2Q25 /6M25 Mortgage 43% 1,123 +14% +14% Life 22% 562 +1% +2% Credit Life 17% 448 -7% -8% Home 10% 264 +16% +17% Auto 5% 131 +27% +21% Assistance 2% 54 -28% -27% Other Insurance 1% 18 -12% -13% Total Insurance 100% 2.600 +6% +6% 2,382 2,461 2,491 4,710 4,951 2Q25 1Q26 2Q26 | 6M25 6M26 INSURANCE BUSINESS | Commercial Performance Earned Premiums Highlights include annual growth (2Q26/2Q25) in Mortgage (+14%) and Home (+16%). Earned Premiums BRL million Written Premiums BRL million +4.6% +5.1% +1.2% +6.1% +5.8% +1.9%
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1,244 1,384 1,312 2,473 2,696 2Q25 1Q26 2Q26 | 6M25 6M26 10 Commissioning % Earned Premium 21.4 22.5 21.9 21.7 21.7 21.2 21.7 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 BRL million 2Q26 /2Q25 /6M25 Mortgage 50% 660 +13% +16% Life 26% 335 +7% +6% Credit Life 12% 154 -7% -4% Home 9% 120 +10% +16% Assistance 3% 36 -3% -2% Other Insurance % 7 -78% -37% Total Insurance 100% 1,312 +5% +9% Distribution and Variation by Segment BRL million Operating Margin BRL million 46% 2Q26 PERFORMANCE INDICATORS OPERATING MARGIN ¹ Representativeness weighted by Caixa Seguridade’s equity interest in each company. 25.1 23.8 22.0 22.5 24.2 24.8 23.3 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 Loss Ratio % Earned Premium 2Q25 Representativeness % Total Operating Margin¹ 46% INSURANCE BUSINESS | Operating Performance +5.5% +9.0% -5.2%
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-5.5 -5.4 -5.3 -11.3 -10.7 5.7 6.7 6.7 12.7 13.4 0.1 1.3 1.4 1.3 2.7 2Q25 1Q26 2Q26 | 6M25 6M26 Portability/Redemption Gross Contribution Net Contribution +0.7% 11 39.9 44.0 48.2 50.9 53.6 2Q25 3Q25 4Q25 1Q26 2Q26 2,863 3,102 3,366 3,572 3,774 2Q25 3Q25 4Q25 1Q26 2Q26 184.7 191.9 199.4 206.8 214.4 2Q25 3Q25 4Q25 1Q26 2Q26 Private Pension Reserves BRL billion 1.06 1.05 1.04 1.03 1.02 1.00 1.05 1.10 1.15 1.20 1.25 1.30 %Avg Adm Fee p.a. % Reserves Premium Bonds Reserves BRL million 5.3 6.3 6.1 5.4 5.8 2Q25 3Q25 4Q25 1Q26 2Q26 Credit Letters BRL billion Avg Adm Fee p.a. % Inventory PRIVATE PENSION +3,7% +16.1% PREMIUM BONDS +31.8% +5.7% CREDIT LETTERS % Letters in Inventory BRL billion +34.5% +5.4% 2.9 2.7 2.4 2.2 2.0 Private Pension Contributions BRL billion +17.7% 415 503 511 811 1,015 22 40 34 49 74 437 543 546 860 1,088 2Q25 1Q26 2Q26 | 6M25 6M26 Monthly Payment (PM) Single Payment (PU) Funds Raised - Premium Bonds BRL million +7.3% +5.3% +8.9% ACCUMULATION BUSINESS | Commercial Performance +24.9% +26.6% +0.5%
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12 926 969 974 1,828 1,943 2Q25 1Q26 2Q26 | 6M25 6M26 Operating Revenue BRL million Operating Revenue BRL million 2Q26 /2Q25 /6M25 Private Pension 57% 552 +10% +10% Credit Letters 26% 259 -6% -2% Premium Bonds 17% 162 +8% +9% Total Accumulation 100% 974 +5% +6% 719 749 738 1,388 1,487 2Q25 1Q26 2Q26 | 6M25 6M26 Operating Margin BRL million 2Q26 /2Q25 /6M25 Private Pension 66% 490 +11% +14% Credit Letters 22% 162 -14% -7% Premium Bonds 12% 86 -5% +1% Total Accumulation 100% 738 +3% +7% 27%; 46% 27% 27% Accumulation Representativeness % Total Operating Margin¹ 2Q26 2Q25 Accumulation Operating Margin BRL million ¹ Representativeness weighted by Caixa Seguridade’s equity interest in each company. Operating Revenue Operating revenues increased 5.2% between 2Q26 and 2Q25, mainly driven by Private Pension (+10%) and Premium Bonds (+8%). 28%; 46% 28% 26% ACCUMULATION BUSINESS | Operating Performance +5.2% +6.3% +0.5% +2.6% +7.1% -1.4%
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Operating Margin by Segment BRL million2Q26 /2Q25 /6M25 Mortgage 26% 157 +26% +20% Credit Letters 23% 141 -2% -2% Home 15% 93 +2% +5% Credit Life 15% 91 -11% -16% Life 7% 45 -1% 0% Premium Bonds 6% 39 +24% +27% Private Pension 5% 29 +9% +2% Other Insurance 3% 21 +4% +6% Total Distribution 100% 615 +5% +3% 27% 13 6% Accumulation 21% Insurance Representativeness³ % Total Operating Margin 26% 2Q26 2Q25 Brokerage Distribution² % 2Q26 ¹ Considers brokerage and commissioning revenues, as well as revenues from network access and distribution (BDF). ² Management view that considers CAIXA service and award fees related to Life, Credit life and Private pension segments, which are paid directly by the insurer to CAIXA, while for the other segments the costs are paid by the broker. ³ Representativeness weighted by Caixa Seguridade’s equity interest in each company. Brokerage by Segment BRL million 2Q26 /2Q25 /6M25 Mortgage 33% 152 +24% +18% Credit Life 19% 91 -11% -16% Home 15% 72 +2% +5% Life 10% 44 -1% 0% Credit Letters 9% 41 -2% -2% Private Pension 6% 29 +9% +2% Premium Bonds 5% 25 +64% +62% Other Insurance 3% 15 +4% +6% Total Distribution 100% 469 +7% +1% 66% 64% 66% 65% 65%34% 36% 34% 35% 35% 585 621 615 1,200 1,236 2Q25 1Q26 2Q26 | 6M25 6M26 Insurance Accumulation Brokerage Revenues¹ BRL million 81% 78% 80% 80% 79%19% 22% 20% 20% 21% 438 467 469 898 936 2Q25 1Q26 2Q26 | 6M25 6M26 Accumulation Insurance Operating Margin BRL million +7.1% +4.2% DISTRIBUTION BUSINESS | Operating Performance +5.2% +3.0% -0.9% +0.6% 21% 43% 10% 11% 14% 10% 68% 43% 80% Total Accumulatio n segment Insurance segment Award Fee Caixa Service Fee Distribution Revenue
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14 57.6 56.8 59.3 54.7 57.6 2Q25 3Q25 4Q25 1Q26 2Q26 General and Administrative Expenses % Operating Revenue COMBINED RATIO (IC) Administrative Expenses % Operating Revenue 10.1 10.6 12.9 10.6 10.7 2Q25 3Q25 4Q25 1Q26 2Q26 ADMINISTRATIVE EXPENSES RATIO (IDA) Ratio by Group IDA 2Q26 Δ2Q25 p.p. Δ1Q26 p.p. CAIXA Bancassurance 11.3% +0.9 +0.2 Run-off 11.9% +0.8 -1.5 New Partnerships 12.1% +0.8 +0.7 Equity Results + Brokerage 6.9% +0.9 -0.5 PAN Bancassurance 6.1% -1.5 -0.7 GENERAL RATIO 10.7% +0.6 +0.1 General and Administrative Expenses % Operating Revenue + Financial Result 50.9 49.2 51.9 48.4 50.6 2Q25 3Q25 4Q25 1Q26 2Q26 EXPANDED COMBINED RATIO (ICA) IDA ICAThe IDA for the quarter remained close to its historical level, reaching 10.7%, representing an increase of 0.1 p.p. compared to 1Q26, with the variations attributable to higher investments in IT and advertising. Excluding allocations made in the quarter with funds incentivized under the Rouanet Law, which generate an equivalent reduction in tax expenses, the adjusted quarterly indicator would be 10.4%. The ICA in 2Q26 improved by 0.3 p.p. compared to 2Q25, reflecting the evolution of the financial result in the period. Ratio by Group IC 2Q26 Δ2Q25 p.p. Δ1Q26 p.p. Bancassurance CAIXA 56.2% +0.3 +2.5 Run-off 67.6% +4.9 +4.6 New Partnerships 56.1% -0.5 +2.8 Equity Results + Brokerage 43.3% -0.5 -1.6 PAN Bancassurance 68.8% -3.1 +6.4 GENERAL RATIO 57.6% 0 +2.9 Ratio by Group ICA 2Q26 Δ2Q25 p.p. Δ1Q26 p.p. CAIXA Bancassurance 49.1% -0.2 +1.7 Run-off 55.3% +1.7 +2.4 New Partnerships 49.3% -0.7 +2.3 Equity Results + Brokerage 40.3% -0.3 -2.6 PAN Bancassurance 61.9% -2.0 +6.1 GENERAL RATIO 50.6% -0.3 +2.2 OPERATING INDICATORS
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15 68% 705 68% 779 65% 739 69% 1,406 66% 1,518 32% 337 32% 364 35% 402 31% 645 34% 766 1,042 1,143 1,141 2,051 2,284 2Q25 1Q26 2Q26 | 6M25 6M26 Resultado da Operação Resultado Financial -0.2% Net Income (Operating x Financial¹)Net Income Recurring Net Income Grouped Composition of the Investment Portfolio² % Consolidated financial investments (million) 12.5% 12.6% 12.6% 12.7% 12.9% 5.00% ¹ Financial result net of taxes, considering each company's effective tax rate, weighted by the respective ownership interests in each company. ² Investment portfolio weighted by the respective ownership interests in each company. Yield average Fixed-rate securities (% p.a.) OPERATING AND FINANCIAL RESULT +9.5% +11.4% 32.2% 32.4% 30.9% 33.8% 33.6% 19.0% 18.0% 16.9% 15.2% 14.9% 28.6% 31.3% 28.9% 26.9% 27.4% 4.5% 4.4% 4.4% 4.5% 4.4% 9.1% 7.9% 12.2% 12.8% 12.9%6.6% 6.0% 6.7% 6.8% 6.8%14,971 15,484 15,824 15,651 16,248 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Others - Funds Inflation - Funds Inflation - TPF Floating-rate - Funds Floating-rate - TPF Fixed-rate - TPF
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EXHIBIT EARNINGS PRESENTATION2Q26
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557 545 538 1,121 1,083 427 542 585 825 1,127 985 1,088 1,123 1,947 2,210 2Q25 1Q26 2Q26 | 6M25 6M26 CNP (Run-off) Caixa Residencial (Run-on) +3.2% 17 586 675 661 1,151 1,335 2Q25 1Q26 2Q26 | 6M25 6M26 27.4% 26.3% 23.8% 24.9% 25.8% 26.7% 25.3% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 -1.3 p.p. Written Premiums Mortgage BRL million Loss Ratio Mortgage % Earned Premium Operating Margin Mortgage BRL million 13.4% 13.6% 13.9% 14.2% 14.4% 13.3% 14.3% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 +1.0 p.p. Commissioning Mortgage % Earned Premium 985 1,087 1,123 1,947 2,210 2Q25 1Q26 2Q26 | 6M25 6M26 Earned Premiums Mortgage BRL million MORTGAGE Insurance Operating Performance PERFORMANCE INDICATORS PERFORMANCE OPERATING Início estrutura de tópicos +14.0% +13.5% +14.0% +13.5% +3.2% +12.7% +16.0% -2.1%
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15.6% 15.6% 14.4% 12.5% 15.2% 16.2% 13.9% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 -2.3 p.p. 18 109 126 120 211 245 2Q25 1Q26 2Q26 | 6M25 6M26 228 255 264 443 519 2Q25 1Q26 2Q26 | 6M25 6M26 Written Premiums Home BRL million 33.4% 33.9% 33.9% 34.6% 34.8% 33.3% 34.7% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 +1.4 p.p. Loss Ratio Home % Earned Premium Operating Margin Home BRL million Commissioning Home % Earned Premium Earned Earned Premiums Home BRL million HOME Insurance Operating Performance PERFORMANCE INDICATORS PERFORMANCE OPERATING Início estrutura de tópicos +15.9% +17.0% +3.4% +9.6% +16.2% -4.6% 43 50 51 85 101 237 233 228 463 461280 283 279 548 562 2Q25 1Q26 2Q26 | 6M25 6M26 Traditional DFC -0.4% +2.5% -1.3%
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19 166 196 154 364 350 2Q25 1Q26 2Q26 | 6M25 6M26 482 453 448 984 902 2Q25 1Q26 2Q26 | 6M25 6M26 9% 2% 2% 11% 2% 62% 69% 66% 55% 68% 29% 29% 32% 34% 30% 333 299 300 711 599 2Q25 1Q26 2Q26 | 6M25 6M26 Legal Entity Source Individual Source Rural Source +0.2% -10.0% -15.9% 21.5% 19.4% 17.5% 15.3% 22.1% 20.9% 18.7% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 -2.2 p.p. Written Premiums Credit Life BRL million Loss Ratio Credit Life % Earned Premium Operating Margin Credit Life BRL million 40.1% 39.0% 40.2% 39.3% 39.7% 39.1% 39.5% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 Commissioning Credit Life % Earned Premium Earned Premiums Credit Life BRL million CREDIT LIFE Insurance Operating Performance PERFORMANCE INDICATORS PERFORMANCE OPERATING Início estrutura de tópicos -7.0% -8.4% -1.1% -7.3% -4.0% -21.6% +0.4 p.p.
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181 143 119 338 263 413 406 438 810 843 594 549 557 1,149 1,106 2Q25 1Q26 2Q26 | 6M25 6M26 Single Payment Monthly Payment Written Premiums Life BRL million 16.4% 21.3% 17.9% 17.7% 17.6% 16.2% 17.6% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 20 316 327 335 628 662 2Q25 1Q26 2Q26 | 6M25 6M26 21.2% 20.1% 18.6% 20.6% 17.2% 21.3% 18.9% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 -2.4 p.p. Loss Ratio Life % Earned Premium Operating Margin Life BRL million Commissioning Life % Earned Premium 554 564 559 1,097 1,124 2Q25 1Q26 2Q26 | 6M25 6M26 Earned Premiums Earned Life BRL million 1 - Considers the result from Caixa Vida e Previdência. -6.2% -3.7% LIFE Insurance¹ Operating Performance PERFORMANCE INDICATORS PERFORMANCE OPERATING Início estrutura de tópicos +0.9% +2.4% -0.9% +5.9% +5.5% +2.4% +1.4 p.p. +1.5%
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23.4 19.2 22.5 35.1 41.7 88.6 169.6 152.8 171.7 322.3 112 189 175 207 364 2Q25 1Q26 2Q26 | 6M25 6M26 Others Auto 65% 79% 76% 66% 78% 35% 21% 24% 34% 22%75 51 54 144 105 2Q25 1Q26 2Q26 | 6M25 6M26 B2C B2B 21 37 33 36 71 70 2Q25 1Q26 2Q26 | 6M25 6M26 Written Premiums Other Insurance BRL million 31 24 7 49 31 2Q25 1Q26 2Q26 | 6M25 6M26 53.3% 51.6% 52.1% 55.1% 59.2% 56.2% 57.2% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 +1.0 p.p. -3.2% -2.4% -28.2% -26.7% ASSISTANCE and Other Insurance Operating Performance Revenues Assistance BRL million Operating Margin Assistance BRL million Operating Margin Other Insurance BRL million Loss Ratio Other Insurance % Earned Premium ASSISTANCE (B2B and B2C) OTHER INSURANCE Início estrutura de tópicos +56.5% +76.1% -7.1% -78.1% -36.7% -71.5% +8.0% +5.9%
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0.4% 0.4% 0.4% 0.3% 0.3% 5.0% 4.9% 4.9% 4.9% 4.8% 94.6% 94.7% 94.7% 94.8% 94.9% 184.7 191.9 199.4 206.8 214.4 - 50.0 100.0 150.0 200.0 250.0 300.0 350.0 2Q25 3Q25 4Q25 1Q26 2Q26 Traditional PGBL VGBL 22 2.75 2.86 2.55 2.49 2.29 1.00 0.8% 0.7% 0.8% 0.7% 0.7%1.6% 1.5% 1.4% 1.4% 1.4% 97.6% 97.8% 97.8% 97.9% 97.8%5,689 6,652 6,698 12,681 13,350 2Q25 1Q26 2Q26 | 6M25 6M26 Risk PGBL VGBL 441 491 490 860 981 2Q25 1Q26 2Q26 | 6M25 6M26 Operating Margin - Private Pension BRL million 0.70% 0.69% 0.69% 0.35% 0.62% 2Q25 3Q25 4Q25 1Q26 2Q26 Commissioning - Private Pension % Contributions Contributions and Premiums Received - Private Pension BRL million 463 503 517 916 1,020 1.06% 1.03% 1.02% 0.00% 0.50% 1.00% 1.50% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% - 50.0 100.0 150.0 200.0 250.0 300.0 350.0 400.0 450.0 500.0 550.0 600.0 650.0 700.0 750.0 800.0 850.0 900.0 950.0 1,000.0 1,050.0 1,100.0 2Q25 1Q26 2Q26 | 6M25 6M26 Management Fee - Private Pension BRL million %Avg. Rate % p.a. %Redemption RatePrivate Pension Reserves BRL billion Início estrutura de tópicos PRIVATE PENSION Operating Performance RESERVES ANNUAL GROWTH OF 16.1% IN RESERVES. +17.7% +5.3% +0.7% +11.7% +11.3% +2.9% +11.0% +14.0% -0.3%
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23 2,863 3,102 3,366 3,572 3,774 2Q25 3Q25 4Q25 1Q26 2Q26 415 503 511 811 1,015 22 40 34 49 74 437 543 546 860 1,088 2Q25 1Q26 2Q26 | 6M25 6M26 PM PU 91 99 86 183 186 2Q25 1Q26 2Q26 | 6M25 6M26 Operating Margin - Premium Bonds BRL million Reserves of Premium Bonds BRL million Funds Raised - Premium Bonds BRL million Commissioning - Premium Bonds % Funds Raised 7.5% 8.2% 8.1% 7.7% 7.3% 7.4% 7.5% 2Q25 3Q25 4Q25 1Q26 2Q26 | 6M25 6M26 +0.1 p.p. 150 164 162 300 326 2Q25 1Q26 2Q26 | 6M25 6M26 Net Revenue - Premium Bonds BRL million 34.3 30.2 29.8 34.9 30.0 +5.7% +31.8% %% Gross Funds Raised -4.7% +1.3% +8.2% +8.7% PREMIUM BONDS Operating Performance Início estrutura de tópicos FUNDS RAISED HISTORICAL RECORD, HIGHLIGHTED BY MONTHLY PAYMENT. +24.9% +26.6% +0.5% -13.0% -1.0%
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1.4 1.7 1.7 1.5 1.6 3.9 4.5 4.4 3.9 4.2 5.3 6.3 6.1 5.4 5.8 2Q25 3Q25 4Q25 1Q26 2Q26 Auto Real Estate 1,596 2,043 2,283 3,022 4,326 2Q25 1Q26 2Q26 | 6M25 6M26 39.9 44.0 48.2 50.9 53.6 2Q25 3Q25 4Q25 1Q26 2Q26 24 276 267 259 535 526 2.9 2.2 2.0 - 120 240 360 480 0.0 2.0 4.0 6.0 8.0 10.0 12.0 14.0 16.0 18.0 20.0 2Q25 1Q26 2Q26 | 6M25 6M26 Management Fee / Average Rate - Credit Letters BRL million / % p.a. 187 158 162 345 320 2Q25 1Q26 2Q26 | 6M25 6M26 Operating Margin - Credit Letters BRL million Credit Letters BRL billion Funds Raised - Credit Letters BRL million Inventory - Credit Letters BRL billion +34.5% +5.4% +7.3% +8.9% CREDIT LETTERS Operating Performance Início estrutura de tópicos REAL ESTATE CREDIT LETTERS REAL ESTATE CREDIT LETTERS ACCOUNTED FOR 72.2% OF TOTAL CREDIT LETTERS SOLD IN THE QUARTER. +43.1% +43.1% +11.7% -5.9% -1.7% -2.8% -13.5% -7.1% +2.3%
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25 MINORITY SHAREHOLDERS (20.00% free float)Share of 80.00% 100% 60% Life Credit Life Private Pension 75% 75% 75% 75% Partners Segments Mortgage Home Credit Letters Assistance Services Economic Interest 100% 49.0% 49% Insurance and Brokerage 49% Run-Off 48.25% Mortgage 48.25% Common Shares (voting) Brokerage - 49.9% 49.9% 49.9% 49.9% Deadline - 2045 2040 - - Bancassurance PAN v v vPremium Bonds Partnerships Run-on - BANCASSURANCE CAIXA Overview CORPORATE STRUCTURE Início estrutura de tópicos
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26 5% 4% 4% 5% 4%9% 7% 7% 8% 7% 86% 89% 89% 87% 89%7.6 7.5 7.6 14.6 15.1 2Q25 1Q26 2Q26 | 6M25 6M26 Credit Life Life Private Pension 11.3 11.8 13.9 11.7 12.6 2Q25 3Q25 4Q25 1Q26 2Q26 Administrative Expenses Ratio (IDA) Caixa Vida e Previdência Administrative Expenses % Operating Revenue 57.1 56.4 55.2 52.0 55.4 47.6 45.5 45.2 43.0 45.5 2Q25 3Q25 4Q25 1Q26 2Q26 IC ICA Combined (IC) and Expanded (ICA) Ratio) Caixa Vida e Previdência General and Administrative Expenses : % Operating Revenue : % Operating Revenue + Financial Result Operating Revenues – Caixa Vida e Previdência BRL billion 53% 54% 51% 53% 52% 47% 46% 49% 47% 48% 596 658 641 1,191 1,299 2Q25 1Q26 2Q26 | 6M25 6M26 Financial Result Results from the Operation Net Income (Operating x Financial) Caixa Vida e Previdência BRL million +7.6% -2.6% Investment Portfolio Composition - Caixa Vida e Previdência % financial investments (million) Results, Financial Performance, and Indicators Início estrutura de tópicos -0.5% +3.5% +0.7% +9.1% 51% 56% 57% 57% 59% 15% 12% 9% 9% 8% 15% 15% 12% 15% 13% 6% 6% 7% 6% 6% 8% 6% 7% 6% 6% 5% 5% 8% 7% 8% 12,594 12,473 11,749 12,376 12,495 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Fixed-rate - TPF Floating-rate - TPF Floating-rate - Funds Inflation - TPF Inflation - Funds Others - Funds
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27 Investment Portfolio Composition – Caixa Residencial % financial investments (million) 38% 33% 31% 39% 32% 62% 67% 69% 61% 68% 692 809 850 1,342 1,658 2Q25 1Q26 2Q26 | 6M25 6M26 Written Home Written Mortgage 59.5 58.2 61.9 56.3 60.0 55.6 54.2 57.1 52.9 56.6 2Q25 3Q25 4Q25 1Q26 2Q26 IC ICA Combined (IC) and Expanded (ICA) Ratio Caixa Residencial General and Administrative Expenses IC: % Operating Revenue ICA: % Operating Revenue + Financial Result 10.4 10.4 14.1 9.6 10.0 2Q25 3Q25 4Q25 1Q26 2Q26 Administrative Expenses Ratio (IDA) Caixa Residencial Administrative Expenses % Operating Revenue Operating Revenues – Caixa Residencial BRL million 81% 84% 83% 81% 83%19% 16% 17% 19% 17% 179 233 234 351 467 2Q25 1Q26 2Q26 | 6M25 6M26 Weighted Financial Result Results from the Operation +0.1% Net Income (Operating x Financial) Caixa Residencial BRL million +30.5% +33.0% Results, Financial Performance, and Indicators Início estrutura de tópicos +22.8% +23.5% +5.0% 84% 87% 93% 87% 88% 3% 2% 1% 1% 2% 0% 0% 13% 11% 6% 12% 10% 1,516 1,711 1,650 1,440 1,556 0.0 200.0 400.0 600.0 800.0 1000.0 1200.0 1400.0 1600.0 1800.0 Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 Floating-rate - TPF Floating-rate - Funds Inflation - TPF Inflation - Funds Others - Funds
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28 61% 56% 47% 62% 52% 39% 44% 53% 38% 48% 235 243 235 447 477 2Q25 1Q26 2Q26 | 6M25 6M26 Weighted Financial Result Results from the Operation Net Income (Operating x Financial) CNP Holding BRL million Investment Portfolio Composition – CNP Holding % financial investments (million) 17% 19% 24% 18% 27% 83% 81% 76% 82% 73% 689 762 743 1,372 1,504 2Q25 1Q26 2Q26 | 6M25 6M26 Outros Mortgage 62.7 65.2 61.3 63.0 67.6 53.6 53.9 52.0 53.0 55.3 2Q25 3Q25 4Q25 1Q26 2Q26 IC ICA Combined (IC) and Expanded (ICA) Ratio CNP Holding General and Administrative Expenses IC: % Operating Revenue ICA: % Operating Revenue + Financial Result 11.1 13.1 14.3 13.4 11.9 2Q25 3Q25 4Q25 1Q26 2Q26 Administrative Expenses Ratio (IDA) CNP Holding Administrative Expenses % Operating Revenue 37% 31% 31% 38% 38% 8% 4% 7% 5% 5% 27% 41% 38% 34% 34% 9% 8% 8% 8% 8% 19% 16% 16% 15% 15% 5,214 5,692 5,756 5,625 5,734 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Pré-fixado - TPF Pós-fixado - TPF Pós-fixado - Fundos Inflação - TPF Outros - Fundos Operating Revenues – CNP Holding BRL million CNP Holding Run-off 0% +6.8% Results, Financial Performance, and Indicators Início estrutura de tópicos +7.8% +9.7% -2.5% -3.3%
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29 48% 33% 19% 48% 26% 52% 67% 81% 52% 74% 63 81 78 132 159 2Q25 1Q26 2Q26 | 6M25 6M26 Financial Result Results from the Operation Net Income (Operating x Financial) Caixa Capitalização BRL million Investment Portfolio Composition – Caixa Capitalização % financial investments (million) 65% 69% 46% 46% 47% 35% 31% 54% 54% 53% 3,064 3,295 3,585 3,877 4,056 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Floating-rate - Funds Inflation - Funds 43.8 44.3 48.5 39.1 43.8 43.8 44.3 48.5 39.1 43.8 2Q25 3Q25 4Q25 1Q26 2Q26 IC ICA Combined (IC) and Expanded (ICA) Ratio Caixa Capitalização General and Administrative Expenses : % Operating Revenue : % Operating Revenue + Financial Result 7.8 6.8 9.9 6.4 7.4 2Q25 3Q25 4Q25 1Q26 2Q26 Administrative Expenses Ratio (IDA) Caixa Capitalização Administrative Expenses % Operating Revenue 415 503 511 811 1,015 22 40 34 49 74 437 543 546 860 1,088 2Q25 1Q26 2Q26 | 6M25 6M26 Monthly Payment (PM) Single Payment (PU) Funds Raised – Caixa Capitalização BRL million +23.1% +20.5% Results, Financial Performance, and Indicators Início estrutura de tópicos +24.9% +26.6% +0.5% -3.9%
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30 92% 90% 90% 92% 90% 8% 10% 10% 8% 10% 97 82 93 168 175 2Q25 1Q26 2Q26 | 6M25 6M26 Financial Result Results from the Operation Net Income (Operating x Financial) Caixa Consórcio BRL million Investment Portfolio Composition – Caixa Consórcio % financial investments (million) 100% 100% 100% 100% 96% 4% 324 362 334 358 446 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Floating-rate - Funds Inflation - Funds 50.4 51.3 62.1 58.5 53.9 48.6 49.4 59.2 56.4 51.7 2Q25 3Q25 4Q25 1Q26 2Q26 IC ICA Combined (IC) and Expanded (ICA) Ratio Caixa Consórcio General and Administrative Expenses IC: % Operating Revenue ICA: % Operating Revenue + Financial Result 10.4 11.4 17.3 12.1 12.8 2Q25 3Q25 4Q25 1Q26 2Q26 Administrative Expenses Ratio (IDA) Caixa Consórcio Administrative Expenses % Operating Revenue 276 267 259 535 527 2Q25 1Q26 2Q26 | 6M25 6M26 Revenue from Services – Caixa Consórcio BRL million -4.0% +3.7% Results, Financial Performance, and Indicators Início estrutura de tópicos -5.9% -1.6% -2.9% +13.7%
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31 72% 46% 54% 73% 50% 28% 54% 46% 27% 50%13 9 11 24 20 2Q25 1Q26 2Q26 | 6M25 6M26 Financial Result Results from the Operation Net Income (Operating x Financial) Caixa Assistência BRL million Investment Portfolio Composition – Caixa Assistência % financial investments (million) 100% 92% 91% 92% 98% 0% 8% 9% 8% 2% 145 166 167 193 189 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Floating-rate - Funds Others - Funds 79.5 76.2 81.8 82.3 79.4 75.5 71.5 75.1 74.2 72.0 2Q25 3Q25 4Q25 1Q26 2Q26 IC ICA Combined (IC) and Expanded (ICA) Ratio Caixa Assistência General and Administrative Expenses IC: % Operating Revenue ICA: % Operating Revenue + Financial Result 28.9 28.8 45.2 47.8 46.1 2Q25 3Q25 4Q25 1Q26 2Q26 Administrative Expenses Ratio (IDA) Caixa Assistência Administrative Expenses % Operating Revenue 65% 79% 76% 66% 78% 35% 21% 24% 34% 22%75 51 54 144 105 2Q25 1Q26 2Q26 | 6M25 6M26 B2C B2B -26.7% -28.2% +5.9% Revenues Assistance BRL million -16.8% -16.2% Results, Financial Performance, and Indicators Início estrutura de tópicos +14.7%
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Investor Relations ri@caixaseguridade.com.br