Banco ABC Brasil (ABCB4) Investor presentation summary

Business model and strategy

• Financial solutions target Large Corporate, Corporate and Middle clients; the expanded credit portfolio reached R$60.4bn at Sep 2026, with an 8% CAGR from Dec 2018.

• Growth priorities include scaling clients and transaction volumes, broadening products and channels, diversifying revenue, and lowering cycle volatility.

• The investment case emphasizes a profitable franchise, growing dividends, reinvestment in core operations and scalable initiatives with a “right-to-win.”

Portfolio and credit quality

• Expanded credit portfolio was R$60.406bn in 3Q26, up 7.0% QoQ and 15.5% YoY; Corporate represented 63.4% of the total.

• Corporate portfolio reached R$38.309bn, up 19.2% YoY; Large Corporate was R$17.116bn, up 8.3%, and Middle was R$4.980bn, up 14.5%.

• Overdue balances more than 90 days stood at R$279m, or 0.5% of the expanded portfolio, in 3Q26.

• 3Q26 provision expense was R$109.8m, versus R$79.9m in 2Q26 and R$89.4m in 3Q25.

Financial performance

• 3Q26 net interest income was R$697.7m, up 5.8% QoQ and 7.0% YoY; 9M26 totaled R$2.005bn, up 10.0% YoY.

• Recurring net income was R$273.7m in 3Q26, up 6.4% YoY; 9M26 reached R$761.2m, up 4.8% YoY.

• Service revenues were R$119.8m in 3Q26, up 16.5% QoQ and 8.3% YoY; 9M26 was R$311.1m, down 4.6% YoY.

• Total expenses were R$291.6m in 3Q26, down 1.3% QoQ and up 4.4% YoY; the 3Q26 efficiency ratio was 37.9%.