Investor Presentaiton

PORTFOLIO QUALITY SUPPORTED BY SOLID AND ACTIVE RISK MANAGEMENT NPL INDICATORS COVERAGE RATIO OVER 90 DAYS 15 90 DAYS 283% 5.2% 272% 263% 4.6% 4.8% 4.2% 4.3% 3.6% 2.7% 3.1% 2.8% 3.3% 1.7% 1.2% 1.5% 1.1% 1.1% 2Q20 3Q20 4Q20 1Q21 2Q21 90 DAYS 3.5% 3.0% 3.0% 3.1% 3.2% 2Q20 1Q21 2Q21 ALLOWANCE FOR LOAN LOSSES (R$ million) COST OF CREDIT 6.0% 3.1% 2.6% 2.7% 6,534 I I I 3,200 I 3,161 3,325 I 2.4% 2.1% 2.1% 2.1% 2.2% 1.2% 0.9% 0.9% 1.0% 1.1% 2Q20 3Q20 4Q20 1Q21 2Q21 ― Individuals Total - Corporate & SMEs 4,045 3,914 4,071 -711 -753 -746 2Q20 1Q21 2Q21 PROVISIONS FOR LOAN LOSSES RECOVERY OF WRITTEN-OFF LOANS COST OF CREDIT CONSIDERING THE EXTRAORDINARY PROVISION 18 RESULTS

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