1 São Paulo, May 6th 2026 Itaú Unibanco Holding S.A.
2 Highlights Note: As from the first quarter of 2026, the income statement considered the managerial reclassifications announced at the closing of the fourth quarter of 2025, in addition to the consolidation of Avenue’s results due to the acquisition of control of the company. (1) Excluding the effect of the early dividend distribution that occurred at the end of 2025, the recurring managerial result would have been R$12.7 billion. (2) Considering the Common Equity Tier I (CET I) at 11.5%, in 1Q26 the consolidated recurring managerial return would have been 25.8% in the consolidated and 27.6% in Brazil. 1Q26 0.3% vs 4Q25 10.4% vs 1Q25 R$12.3 billion Recurring managerial result¹ 1Q26 0.4 p.p. vs 4Q25 2.3 p.p. vs 1Q25 Recurring managerial ROE² 24.8%CONSOLIDATED 0.4 p.p. vs 4Q25 2.8 p.p. vs 1Q25 BRAZIL Mar-26 Credit portfolio (ex- fx variation) R$1,483 billion 4,5 % vs dez/25Ex-variação cambial Mar-26 > 90 days NPL Mar-26 15 - 90 days NPL mar-26 0,3 p.p. vs dez-25 0,6 p.p. vs mar-25 Capital principal (CET I) 12,0%0.1 p.p. vs Dec-25 0.1 p.p. vs Mar-25 1.7% Stable vs Dec-25 Stable vs Mar-25 1.9% Estável vs dez-25 0,1 p.p. vs mar-25 2,1%BRASIL 26.4% EM ATUALIZAÇÃO 1Q26 Non-interest expenses 5.0% vs 4Q25 4.8% vs 1Q25 R$16.2 billion 1.2% vs Dec-25 9.0% vs Mar-25
3 Mar-26 x Dec-25 Mar-26 x Mar-25 1Q26 x 4Q25 1T26 x 1T25 In R$ billion Private sector Target clients 0.0% SMEs Government facilities 9.9% 19.1% Payroll loans Credit cards R$ 32 bilhões Originação últimos 12 meses Maior banco privado em Crédito Imobiliário 51% market share entre os privados² 63.0% Uniclass + Personnalité 0.5% 20.2% 2.2% Average balance Individuals 6,8% 4.6%SMEs 2,7% Credit portfolio EM ATUALIZAÇÃO EM ATUALIZAÇÃO 1.6%Corporate 6,8% 3.6%Latin America 4,5% 4.0% 52.2% Itaú Unibanco Sistema ex- Itaú Unibanco NPL 90 dias – mar/26 5,1% Cartão de crédito 10,2% Produtor Rural: ~ 30% da carteira Agro + 80% da carteira com garantia forte tri +0,1 p.p. +0,1 p.p. Agronegócio Mar-26 Dec-25 Mar-25 Individuals 479.5 474.3 1.1% 448.8 6.8% Credit card loans 150.2 153.5 -2.1% 138.9 8.2% Personal loans 68.6 67.4 1.8% 67.3 1.8% Payroll loans 78.6 75.3 4.4% 74.1 6.1% Auto loans 35.7 36.3 -1.7% 36.8 -3.2% Mortgage 146.4 141.7 3.3% 131.6 11.2% Very small, small and middle market loans 302.8 303.1 -0.1% 273.2 10.9% Corporate loans 454.8 455.9 -0.2% 425.3 6.9% Total Brazil 1,237.1 1,233.2 0.3% 1,147.3 7.8% Latin America 245.6 257.6 -4.7% 235.8 4.2% Total¹ 1,482.7 1,490.8 -0.5% 1,383.1 7.2% Total (ex-fx variation) 1,482.7 1,465.3 1.2% 1,360.2 9.0% Very small, small and middle market loans 302.8 299.3 1.2% 266.1 13.8% Corporate loans 454.8 451.6 0.7% 418.0 8.8% Latin America 245.6 240.2 2.2% 226.9 8.2% (1) Includes private securities and financial guarantees provided. Mar-26 x Dec-25 Mar-26 x Mar-25 Mar-26 x Dec-25 Mar-26 x Mar-25
4 9.2% 9.4% 9.2% 9.1% 9.1% 6.2% 6.4% 6.3% 6.2% 6.1% 6.2% 1Q25 2Q25 3Q25 4Q25 1Q26 In R$ billion Margin with clients Risk-adjusted margin with clients R$0.1 bn (+0.3%) Financial margin with clients Annualized average margin Consolidated Annualized average margin Brazil (1) Includes capital allocated to the business areas (except treasury), in addition to working capital of the corporation; (2) Change in the composition of assets with credit risk between periods in Brazil; (3) Latin America and structured wholesale operations. R$0.4 bn (+1.1%) ¹ ¹2 3 R$0.2 bn (-0.7%) 31.7 27.7 27.8 32.1 31.5 -4.0 -0.1 -0.6 -0.1 -0.6 0.4 0.5 4.2 4Q25 Working capital and others 4Q25 Spread-sensitive operations 4Q25 Average Volume Product Mix Spreads and liabilities' margin Calendar and working days Latin America and others Spread-sensitive operations 1Q26 Working capital and others 1Q26 (ex-earlier dividend payment) 1Q26 (ex-earlier dividend payment) Earlier dividend payment 1Q26 10.1% 10.3% 10.1% 10.0% 10.0% 6.7% 7.0% 6.8% 6.8% 6.6% 6.7% 1Q25 2Q25 3Q25 4Q25 1Q26 Risk-adjusted margin with clients (ex-early dividend distribution)
5 Financial margin with the market Brazil Latin America Capital index hedge in R$ billion 0.2 0.2 0.3 0.2 0.2 1.2 1.3 1.3 1.1 1.3 0.9 0.9 0.9 0.6 0.8 -0.5 -0.6 -0.7 -0.7 -0.7 1Q25 2Q25 3Q25 4Q25 1Q26
6 (1) Includes fund management fees and “consórcio” management fees; (2) Result from insurance includes the revenues from insurance, pension plan and premium bonds operations net of retained claims. Seguros6 2025 x 2024 13,1%Prêmios ganhos 20,4%Resultado recorrente Adquirência 1T26 x 4T25 1T26 x 1T25 26,0%5,9%R$ 283 bilhões Volume transacionado Administração de recursos mar/25 x mar/24 Xx,x%R$ xxx bilhões Captação líquida em 2025 R$ x,x trilhões Ativos sob Gestão e Administração4 Xx,x% 27% de market share Líder5 em originação e distribuição de renda fixa em 2M26 R$ 16 bi Volume originado Commissions, fees and result from insurance EM ATUALIZAÇÃO EM ATUALIZAÇÃO 1Q26 4Q25 1Q25 Card issuance 3.3 3.5 -6.3% 3.2 1.5% Current account for individuals 0.5 0.6 -5.1% 0.7 -21.5% Credit operations and guarantees issued 0.6 0.6 5.5% 0.6 5.4% Payments and collections 2.0 2.2 -9.2% 2.1 -7.0% Asset management¹ 1.9 2.1 -8.3% 1.7 15.1% Advisory services and brokerage 1.3 1.5 -13.5% 1.1 18.9% Other Brazil 0.5 0.5 -9.4% 0.5 -1.8% Latin America 0.9 1.0 -1.2% 0.9 3.1% Commissions and fees 11.0 11.8 -7.1% 10.7 2.4% Insurance, pension plans and premium bonds² 3.0 3.0 0.0% 2.6 17.2% Commissions and insurance 14.0 14.9 -5.7% 13.3 5.3% in R$ billion
7 2.8% 3.1% 3.0% 3.0% 2.7% 3.0% 1.2% 1.2% 1.2% 1.3% 1.3% 1.4% 0.02% 0.09% 0.05% 1.05% 0.03% 0.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 2.0% 1.9% 1.9% 1.9% 1.9% 1.9% 2.1% 2.0% 2.0% 2.0% 2.0% 2.1% 1.3% 1.4% 1.4% 1.3% 1.2% 1.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 1.6% 1.8% 1.7% 2.0% 1.6% 1.7% 1.5% 1.7% 1.6% 1.9% 1.5% 1.7% 2.3% 2.2% 2.3% 2.2% 2.1% 2.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 3.8% 3.6% 3.6% 3.6% 3.6% 3.6% 1.7% 1.6% 1.6% 1.7% 1.8% 1.9% 0.1% 0.1% 0.1% 0.1% 0.1% 0.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 15 - 90 days NPL - % Consolidated 90 days NPL- % Brazil Consolidated Brazil (1) No primeiro trimestre de 2026, realizamos vendas de créditos com baixa probabilidade de recuperação para empresas não ligadas e sem retenção de riscos, que estariam ativos ao final de março/26 e em atraso acima de 90 dias no valor de R$ x,x bilhões. Credit quality Brazil Total Latin America Individuals Very small, small and middle market companies Corporate Note: In the first quarter of 2026, we sold loans with low probability of recovery to unrelated companies and without risk retention, which would be active at the end of March-26 and overdue over 90 days worth R$32 million, without impact in credit ratios.
8 7.1% 4.2% 100 123 105 Dec-19 Jan-26 56% 21 % 18% 8% Auto loans Individuals | indebtedness¹ ex-mortgage 36% Credit Quality Total 55% Individuals | Over 90 days NPL SMEs | Collateralized portfolio 15% Dec-19 Mar-26 Personal loans² Credit card Itaú Mercado ex- Itaú Target Total (1) Indebtedness: total amount of debt with the National Financial System (SFN) / families’ accumulated income over the last 12 months. Considering a base of 100 in Dec-19, in Jan-26 total market indebtedness including mortgage was 120, while Itaú total was 112. Considering a base of 100 in Dec-19, in Jan-26 Itaú, considering target clients including mortgage was 108. Source: Brazilian Central Bank. (2) non-payroll personal loan. Individuals’ credit portfolio with collaterals: 56% Farmers 78% Market share ~20% 4% Agribusiness | Mar-26 Farmers’ credit portfolio with collaterals³ Portfolio | Base 100 100 199 Dec-19 Mar-26 Concentration5 20% Dec-19 Mar-26 % Investment Grade6 69% 79% Dec-19 Mar-26 Corporate Agribusiness chapter 114 mkt share 31% ( vs Dec-19) 17% Private payroll loans 82% (3) Land lien. (4) The Brazilian equivalent to chapter 11; (5) 10 largest credit risk exposures (including credit, securities and financial guarantees) over total portfolio. (6) internal criteria. Very small and Small 37% 70% Dec-19 Mar-26 9.3% 5.1% 10.2% 5.1% 6.2% 3.5% Traduzir 100 123 106 Dec-19 Jan-26 Market x-Itaú
9 22.9% 23.7% 24.1% 23.9% 23.3% 22.9% 24.5% 26.1% 26.5% 26.5% 26.3% 26.2% 16.9% 16.6% 16.7% 14.5% 14.4% 14.6% 23.9% 22.9% 23.6% 24.2% 22.5% 20.8% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 55.0% 56.1% 55.8% 55.9% 54.7% 53.6% 59.8% 61.4% 59.2% 59.6% 59.7% 59.3% 42.4% 43.1% 43.4% 40.2% 39.4% 39.7% 55.3% 55.9% 57.1% 57.8% 55.4% 52.2% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Stage 2 portfolio (1) No quarto trimestre de 2024, realizamos vendas de créditos com baixa probabilidade de recuperação para empresas não ligadas e sem retenção de riscos, que estariam ativos ao final de dezembro/24 no valor de R$ 70 milhões do segmento de grandes empresas. +0,02 p.p. Stage 3 portfolio Stage 3 coverageStage 2 coverage Credit quality – Resolution 4,966 ratios 4.1% 4.3% 4.2% 4.1% 4.0% 4.2% 7.7% 8.0% 7.8% 7.6% 7.4% 7.5% 4.6% 4.6% 4.6% 4.4% 4.1% 4.0% 1.7% 1.8% 1.8% 1.9% 1.9% 2.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 4.4% 4.4% 4.3% 4.2% 3.9% 4.0% 6.0% 5.8% 5.9% 5.8% 5.8% 5.7% 4.2% 4.3% 4.2% 4.0% 3.8% 3.7%3.5% 3.5% 3.3% 3.3% 2.7% 3.1% Dec-24 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Individuals Total Latin America Companies
10 Quality and cost of credit 40.1 38.8 38.4 35.1 34.8 23.7 22.6 22.0 18.3 18.0 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 2.7% 2.7% 2.7% 2.7% 2.7% 3.2% 3.1% 3.0% 2.6% 2.6% Annualized cost of credit / Loan portfolio² - (%) Cost of credit¹ (in R$ billion) Renegotiated portfolio (Credit and securities) (in R$ billion) Renegotiated portfolio/ Total portfolio³ - (%) 9.5 9.4 9.4 9.7 10.0 1Q25 2Q25 3Q25 4Q25 1Q26 Renegotiated Restructured (1) Expected loss expenses + recovery of loans + discounts granted. (2) cost of credit over the average portfolio, that includes FIDC, exposures to financial institutions and the operations by our agribusiness trading company. (3) Loan portfolio balance ex- financial guarantees provided.
11 39.6% 37.0% 38.0% 38.8% 38.3% 37.1% 37.4% 35.1% 36.3% 37.1% 36.4% 34.9% 4Q24 1Q25 2Q25 3Q25 4Q25 1Q26 Consolidated Brazil Efficiency ratio (%) Non-interest expenses 1Q26 4Q25 1Q25 Commercial and administrative (personnel) (6.5) (6.7) -3.4% (6.0) 7.2% Transactional (personnel, operations and services) (3.9) (4.2) -7.1% (4.0) -1.0% Technology (personnel and infrastructure) (3.1) (3.2) -2.5% (2.8) 8.9% Other (0.5) (0.7) -31.0% (0.5) 10.2% Total - Brazil (14.0) (14.8) -5.6% (13.3) 5.2% Latin America (2.2) (2.2) -1.0% (2.2) 1.9% Non-interest expenses (16.2) (17.0) -5.0% (15.5) 4.8% In R$ billion
12 (1) Includes Prudential and equity adjustments. Capital Dec-25 Tier I capital Net income Mar-26 Tier I capital + 0.8% Phase in of operational risk and resolution 229 - 0.3% 1.4% 12.0% Risk weighted assets1 - 0.5% 13.4% Dividends and interest on own capital and shares buyback - 0.4% 12.3% 1.5% 13.8% Common Equity Tier I (CET I) Additional Tier I (AT1)
13 Annual reports Integrated Annual Report ESG Report Strategic overview of value creation and business, as well as climate-related topics and capital performance Overview of environmental, social and Governance topics, focusing on management practices and business GRI summary, SASB, SDG, PRB and PRSAC. ESG indicators spreadsheet with historical data
14 São Paulo, May 6th 2026 Itaú Unibanco Holding S.A.
15 Additional information
16 2026 Guidance Guidance for the year remains unchanged 2026 Guidance Total credit portfolio¹ Credit portfolio - Brazil Financial margin with clients Cost of credit² Financial margin with the market Commissions and fees and results from insurance operations³ Non-interest expenses Effective tax rate Growth between 5.5% and 9.5% Growth between 6.5% and 10.5% Between 29.5% and 32.5% Growth between 1.5% and 5.5% Growth between 5.0% and 9.0% Between R$38.5 bn and R$43.5 bn Between R$2.5 bn and R$5.5 bn Growth between 5.0% and 9.0% (1) Includes financial guarantees provided and private securities; (2) Composed of expected loss expenses, discounts granted and recovery of loans written off as losses; (3) Commissions and fees (+) income from insurance, pension plan and premium bonds operations (+) expenses for claims
17 Results In R$ million 1Q26 4Q25 1Q25 Operating Revenues 46,822 47,617 -1.7% 44,793 4.5% Managerial Financial Margin 32,326 32,314 0.0% 31,081 4.0% Financial Margin with Clients 31,506 31,717 -0.7% 30,158 4.5% Financial Margin with the Market 820 597 37.4% 923 -11.2% Commissions and Fees 10,993 11,836 -7.1% 10,736 2.4% Revenues from Insurance 1 3,504 3,468 1.0% 2,976 17.7% Cost of Credit (9,952) (9,710) 2.5% (9,524) 4.5% Expected Loss Expenses (10,241) (10,031) 2.1% (9,494) 7.9% Discounts Granted (949) (1,195) -20.6% (1,262) -24.8% Recovery of Loans Written Off as Losses 1,238 1,516 -18.3% 1,233 0.4% Retained Claims (470) (435) 8.2% (389) 20.9% Other Operating Expenses (18,875) (19,686) -4.1% (18,152) 4.0% Non-interest Expenses (16,188) (17,045) -5.0% (15,450) 4.8% Tax Expenses for ISS, PIS, Cofins and Other Taxes (2,687) (2,642) 1.7% (2,701) -0.5% Income before Tax and Minority Interests 17,525 17,786 -1.5% 16,729 4.8% Income Tax and Social Contribution (4,939) (5,055) -2.3% (5,280) -6.5% Minority Interests in Subsidiaries (305) (414) -26.5% (321) -5.1% Recurring Managerial Result 12,282 12,317 -0.3% 11,128 10.4% (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claims.
18 Business model (1) Revenues from Insurance includes the Revenues from Insurance, Pension Plan and Premium Bonds Operations before Retained Claims . (2) Include Tax Expenses (ISS, PIS, COFINS and other) and Minority Interests in Subsidiaries. Total Credit Trading Insurance & services Excess capital Total Credit Trading Insurance & services Excess capital Total Credit Trading Insurance & services Excess capital Operating revenues 46.8 26.6 1.0 18.8 0.4 44.8 24.8 0.8 18.6 0.5 2.0 1.8 0.2 0.2 (0.2) Managerial financial margin 32.3 22.4 1.0 8.5 0.4 31.1 20.8 0.8 9.0 0.5 1.2 1.6 0.2 (0.5) (0.2) Commissions and fees 11.0 4.2 - 6.8 - 10.7 4.1 - 6.7 - 0.3 0.1 - 0.1 - Revenues from insurance ¹ 3.5 - - 3.5 - 3.0 - - 3.0 - 0.5 - - 0.5 - Cost of credit (10.0) (10.0) - - - (9.5) (9.5) - - - (0.4) (0.4) - - - Retained claims (0.5) - - (0.5) - (0.4) - - (0.4) - (0.1) - - (0.1) - Non-interest expenses and other² (19.2) (10.1) (0.2) (8.8) (0.0) (18.5) (9.8) (0.2) (8.4) (0.0) (0.7) (0.4) (0.0) (0.4) 0.0 Recurring managerial result 12.3 4.8 0.5 6.6 0.3 11.1 3.9 0.3 6.4 0.5 1.2 0.9 0.2 0.2 (0.2) Average regulatory capital 198.2 126.8 8.8 51.3 11.3 196.8 120.3 4.9 51.5 20.1 1.3 6.4 3.9 (0.2) (8.8) Value creation 5.4 0.6 0.2 4.7 (0.1) 4.3 (0.2) 0.2 4.6 (0.2) 1.1 0.8 0.0 0.1 0.1 Recurring managerial ROE 24.8% 15.3% 23.5% 51.7% 10.4% 22.5% 13.1% 27.8% 49.6% 9.1% 2.3 p.p. 2.2 p.p. -4.3 p.p. 2.1 p.p. 1.3 p.p. 1Q26 1Q25 (1Q26 x 1Q25)In R$ billion
19 São Paulo, May 6th 2026 Itaú Unibanco Holding S.A.