Banco Itaú (ITAUCL) Investor presentation summary

Strategic positioning and vision

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

• Focused on sustainable performance, customer satisfaction, and operational efficiency, with clients at the center of its strategy.

• Transformation plan implemented in Chile and Colombia, emphasizing digitalization, culture, and profitable growth.

• Recognized for diversity, inclusion, and ethics, aiming to be a leading bank in sustainable practices.

Financial performance and growth

• Consolidated assets reached US$43.0 billion and loans US$28.6 billion as of March 2025.

• Recurring net income for 1Q25 was US$114.1 million, with a consolidated ROTE of 12.4%.

• Strong growth in assets under management (AuM) at 43.5% YoY, and demand deposits up 8.7% YoY, outpacing industry averages.

• Net financial margin with clients increased 1.6% YoY, and commissions and fees rose 20.3% YoY.

• Operational expenses increased 9.9% YoY, mainly due to inflation, headcount growth, and higher marketing and IT costs.

Risk management and capital

• Cost of credit decreased, with consumer NPLs and provisions/loans ratio declining faster than peers.

• Maintained strong capital position: CET1 ratio at 11.5% and liquidity coverage ratio at 218%, among the top in the market.

• No additional capital charge for Pillar 2 by the regulator for the second consecutive year.

• Upgrades in local credit risk ratings and positive outlooks reflect solid results and disciplined execution.