Banco do Brasil (BBAS3) investor relations material

Shareholding and market position

• 50% of shares are controlled by the federal government, with 49.6% free float and 1.5 million shareholders, 99% of whom are individuals.

• Market leader in loan portfolio (16.3%), payroll loans (19.7%), total deposits (16.5%), asset management, rural insurance, pension plans, and consortia.

• No non-controlling investors hold more than 5% of shares.

Strategic vision and ESG commitments

• Corporate strategy focuses on proximity, efficiency, innovation, integrity, diversity, and commitment to society.

• 2030 commitments include R$500 billion in sustainable loans, R$200 billion in sustainable agriculture, and R$30 billion in renewable energy by 2030.

• Targets 50% women and 50% underrepresented ethnicities in leadership by 2030.

• 100% renewable energy use and 42% reduction in direct emissions by 2030.

Financial performance and guidance

• Adjusted net income for 1Q26 was R$3.4 billion, down 53.5% year-over-year and 40.2% quarter-over-quarter.

• Net interest income grew 14.8% year-over-year to R$27.4 billion in 1Q26.

• Fee income increased 5.5% year-over-year to R$8.8 billion in 1Q26.

• Administrative expenses rose 5.5% year-over-year to R$10.0 billion in 1Q26.

• Loan portfolio grew 2.2% year-over-year to R$1,305.5 billion in March 2026.