1Q22 Results and Strategic Update

Portfolio quality under control, with a previously anticipated deterioration in NPL due to the macroeconomic backdrop and mix NPL Ratios Allowance for loan losses (R$ million) and Cost of credit 15-90 Days 6.0% 5.9% 5.7% 5.2% 5.0% 4.8% 5.0% 2.6% 3.5% 2.8% 3,693 4,612 3,161 4.1% 4.1% 4.2% 3.6% 3.3% 3.4% 3.5% 5,352 3,914 4,494 1.8% 1.6% 1.7% 1.9% 1.5% 1.2% 1.4% -753 -801 1Q19 1Q20 1Q21 2Q21 3Q21 4Q21 1Q22 1Q21 4Q21 Provisions for loan losses Recovery of written-of loans -740 1Q22 Cost of Credit 90 Days 3.9% 4.0% 4.0% 3.6% 3.1% 3.2% 3.3% 3.1% 3.0% 2.1% 2.2% 2.4% 2.7% 2.9% 1.9% 1.6% 1.0% 1.1% 1.3% 1.3% 1.4% 1Q19 1Q20 1Q21 2Q21 3Q21 4Q21 1Q22 Individuals - Total - Corporate & SMEs Coverage Ratio Over 90 days 283% IIIIII 220% 215% 1Q21 4Q21 1Q22 O= 22 22

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