Banco ABC Brasil (ABCB4) Investor Presentation summary

Strategic positioning and business evolution

• Focuses on serving Large Corporate, Corporate, and Middle market segments, with a history of expanding product offerings and client base since 1989.

• Implements a segmented client approach to scale client numbers and transaction volumes, aiming to reduce risk concentration and diversify revenue streams.

• Recent initiatives include proprietary insurance brokerage, energy trading, and digital distribution channels.

• Geographic footprint expanded to 45 cities by 3Q25, supporting growth in client base and credit portfolio.

• Emphasizes scalability, cost efficiency, and unlocking hidden value through new business lines.

Financial performance and portfolio highlights

• Expanded credit portfolio reached R$52.3 billion in 3Q25, with Corporate segment comprising 61.5% and Large Corporate 30.2%.

• Net interest income grew 7.9% quarter-over-quarter to R$652 million in 3Q25, with recurring net income at R$256.8 million.

• Efficiency ratio remained below 40% in 3Q25, reflecting disciplined cost management.

• Recurring ROAE stood at 15.0% for 9M25, indicating strong profitability.

• Service revenues totaled R$110.7 million in 3Q25, with a diversified mix from guarantees, investment banking, and insurance brokerage.

Credit quality and risk management

• Provision expenses represented 0.7% of the expanded portfolio in 3Q25, with expected credit loss at 2.4% of the loan portfolio.

• +90 days overdue loans accounted for 1.1% of the expanded credit portfolio, with a coverage ratio of 389%.

• Collateralized portfolio ratios: 9.2% for Large Corporate, 35.5% for Corporate, and 41.7% for Middle segment.

• Credit exposure diversified across sectors, with significant allocations to agribusiness, services, and energy.