Banco ABC Brasil (ABCB4) Investor Day 2026 summary

Brazilian wholesale credit market

• Expanded wholesale credit reached R$6.7tn in 2Q26; 64% was held on bank balance sheets and 35% was outside banks, including private securities and guarantees.

• Capital markets’ share of wholesale credit rose to 35.5% in 2Q26, while banks’ share was 64.5%; the series shows a longer-term shift toward capital markets.

• Brazil’s expanded wholesale credit portfolio reached R$60.4bn in 3Q26, up 15.5% YoY and 7.0% QoQ; Corporate grew 19.2% YoY and Large Corporate 8.3%.

• 3Q26 portfolio mix was 28.3% Large Corporate, 63.4% Corporate and 8.2% Middle; economic-sector exposure included 24.1% agribusiness and 8.7% energy.

3Q26 financial performance

• Net income was R$274mn and ROAE was 15.0%; net interest income was R$698mn, up 7.0% YoY.

• 9M26 net interest income was R$2,005mn, up 10.0% YoY; NIM was 4.1% in 3Q26, versus 4.1% in 3Q25.

• Service revenue was R$119.8mn in 3Q26, up 8.3% YoY; 9M26 service revenue was R$311.1mn, down 4.6% YoY.

• 3Q26 recurring net income rose to R$273.7mn from R$256.8mn in 3Q25; ROAE declined 0.5 p.p. YoY to 15.0%.

Credit quality

• Overdue balances more than 90 days totaled R$279mn in 3Q26, versus R$332mn in 3Q25; the ratio was 0.6% of the expanded portfolio in 3Q26.

• Stage 3 operations were 2.8% of the expanded portfolio in 3Q26; Stages 2 and 3 combined were 6.0%.

• Expanded provision expense was R$78.6mn in 3Q26, versus R$125.6mn in 3Q25; total expected credit loss includes a R$190mn prospective provision.