Banco ABC Brasil (ABCB4) Investor presentation summary

Strategy and business segments

• Focuses on providing financial solutions to large corporate, corporate, and middle-market companies, with a segmented approach to client service.

• Growth strategy includes scaling client numbers, expanding product offerings, and developing new distribution channels to reduce risk and increase revenue diversity.

• Geographic expansion covers 45 cities, with a strong presence in São Paulo, South, and other key regions.

Financial performance and portfolio

• Expanded credit portfolio reached R$54.7 billion by 4Q25, with corporate clients representing over 60% of the total.

• Net interest income for 2025 was R$2.54 billion, up 6.8% year-over-year, and recurring net income reached R$1.0 billion, with ROAE at 16.3%.

• Efficiency ratio improved to 37.9% in 2025, reflecting disciplined expense management.

• Service revenues totaled R$452.1 million in 2025, with significant contributions from guarantees, investment banking, and insurance brokerage.

Credit quality and risk management

• Expected credit loss as a percentage of the expanded credit portfolio was 0.9% at 4Q25, with a coverage ratio of 501% for Stage 3 operations.

• Overdue loans (+90 days) remained low at 0.5% of the expanded credit portfolio.

• Portfolio is diversified across sectors, with agribusiness, energy, and retail/wholesale as key exposures.