Banco Itaú (ITAUCL) Investor presentation summary

Strategic positioning and vision

• Integral part of Itaú Unibanco's internationalization, with a strong regional footprint and universal banking model.

• Focus on sustainable performance and customer satisfaction, aiming to be a leader in both areas.

• Emphasis on diversity, inclusion, ethics, and client-centricity as core values.

• Transformation plan in Colombia prioritizes corporate segment growth and streamlining retail operations.

• Strategy for 2025-2030 centers on operational efficiency, digital distribution, and leveraging data and AI.

Financial performance and guidance

• Consolidated assets at US$44.3 billion and loans at US$29.6 billion as of June 2025.

• Recurring net income for 2Q25 reached US$114.1 million, with a recurring ROTAE of 11.1%.

• CET1 capital ratio increased to 12.0%, maintaining a strong buffer above regulatory minimums.

• Loan growth remains below industry average in 1H25, but guidance expects mid-single digit growth for FY25.

• Non-interest expenses grew 5.0% YoY, mainly due to personnel and IT costs, but remain below inflation.

Customer, employee, and sustainability leadership

• Ranked #1 in retail customer satisfaction for four consecutive years; top positions in SME, corporate, and high net worth segments.

• Achieved highest historical employee satisfaction (eNPS 87%) and recognized as a top employer for LGBTI+ talent.

• Member of Dow Jones Sustainability Indices, with S&P Global CSA score of 70/100, well above industry average.

• Operational decarbonization efforts reduced greenhouse gas emissions by over 67% since 2019.

• Promotes financial inclusion, entrepreneurship, and women in STEM through targeted programs.