Expense management continues to be guided by financial discipline and a constant commitment to efficiency; and · Other operating expenses: the increase during the period mainly reflect movements in civil, labor and tax contingencies, higher card-related commercialization expenses due to increased transaction volumes-particularly in the high-income segment - as well as the increase in our ownership interest in Cielo

filing / Mar 25, 2026 / receipt

strategy, contributing to operational efficiency, cost reduction, improving the experience and security. Ø Internet - This platform is organized in two main prongs: the institutional website, which gathers structured information objectively about our performance, and the Internet Banking, which provides a wide range of financial services to individual clients.

filing / Mar 25, 2026 / receipt