Banco Itaú (ITAUCL) investor relations material

Strategic positioning and business model

• Integral part of Itaú Unibanco's international strategy, with a universal banking model and a strong regional presence in Chile and Colombia.

• Focus on customer satisfaction, sustainable performance, and digital transformation as core pillars.

• Recent strategic refocus includes divestment of Colombia's retail portfolio to concentrate on scalable corporate and wholesale banking.

• Emphasis on innovation, operational efficiency, and a robust corporate culture recognized for diversity and inclusion.

Financial performance and growth

• Total assets reached US$48.4 billion and loans US$31.9 billion as of December 2025.

• Recurring net income for 2025 was US$474.2 million, with a recurring ROTE of 11.8%.

• Loan growth accelerated in the second half of 2025, with commercial loans outperforming the industry and mortgage loans leading peer growth.

• Demand deposits and assets under management (AuM) showed strong growth, with top market share gains among peers.

• Efficiency ratio improved to 41.3% by year-end, reflecting strict cost discipline.

Risk management and capital

• Maintained strong risk management, with cost of credit ratio decreasing to 1.1% in 2025 and high coverage ratios.

• CET1 fully loaded capital ratio reached 12.2%, the highest in history, with robust liquidity and funding metrics.

• No additional Pillar 2 capital requirement for the third consecutive year.