Banco ABC Brasil (ABCB4) Investor presentation summary

Strategic positioning and business model

• Focuses on providing financial solutions to large corporate, corporate, and middle-market companies, with a segmented approach to client service.

• Pursues growth by expanding its client base, diversifying products, and leveraging existing infrastructure to reduce acquisition and service costs.

• Implements risk exposure dilution by expanding its product portfolio and reducing dependency on specific business lines.

• Develops new distribution channels and partnerships to increase scalability and lower volatility across cycles.

• Maintains a profitable franchise with a history of consistent and growing dividend payments, supporting reinvestment and credit portfolio growth.

Financial performance and portfolio

• Expanded credit portfolio reached R$56.5 billion in 2Q26, with 63% in the corporate segment and 9% CAGR since 2018.

• Loans, guarantees, and securities portfolios show steady growth, with the middle segment increasing its share to 9% of the total.

• Recurring net income for 1H26 was R$487.5 million, up 3.8% year-over-year, and recurring ROAE reached 15.0%.

• Net interest income for 1H26 was R$1.3 billion, up 11.6% from 1H25, with a stable NIM around 4.1%.

• Efficiency ratio increased to 41.5% in 1H26, reflecting higher personnel and administrative expenses.

Credit quality and risk management

• Provision expenses as a percentage of the expanded portfolio remained stable at 0.6% in 2Q26.

• Overdue loans (+90 days) accounted for 0.4% of the portfolio, with a coverage ratio of 389% for Stage 3 operations.

• Expected credit loss ratio was 0.6% in 2Q26, indicating prudent risk management.