Solid results and lasting progress mark 2025 at CAIXA | BOX

The bank also reaffirmed its leadership role in the country’s housing policy. The greater opportunities for access to property, announced throughout the year, helped to stimulate the real estate market, civil construction and employment in Brazil.

At the same time, CAIXA is innovating with actions in the socio-environmental field. The first Impact Hub in the creative economy, in the port area of ​​the city of Rio de Janeiro, aimed at stimulating entrepreneurs, was one of them. Another successful action was carried out on a itinerant basis in the riparian municipalities of the Amazon, with the CAIXA boat agencies which, this year, provided banking services to thousands of people.

At the Climate Conference of the Parties (COP30), held in November in the city of Belém/PA, CAIXA reaffirmed its ESG (environmental, social and governance) commitments. Throughout 2025, the CAIXA website published the “CAIXA Towards COP30” series, presenting the environmental agenda integrated into business planning, with initiatives that combine responsible management, climate financing and support for projects with a direct impact on the Brazilian population. As part of COP30, CAIXA presented a renewed agenda for the future: sustainable finance, gender equality, net zero and circular economy. More than commitments, it is a movement to help transform productive inclusion and sustainability into reality, connecting Brazil to global trends and having a positive impact on people and communities. Among other initiatives, during the event in Belém, CAIXA launched a coalition to decarbonize the housing chain and actions to combat climate imbalance.

Recognition of all this commitment comes not just from the impressive numbers or approval of account holders and savers, who currently number around 156 million. For the annual production of its inventory of greenhouse gas (GHG) emissions, in accordance with the Brazilian GHG Protocol program, the bank received the “Gold Seal” of this methodology, the maximum certification which attests to the quality and transparency in the management and reporting of emissions. In November 2025, CAIXA was also voted “Strongest Brand in Brazil”, an award organized by Infomoney and TM20Branding.

In the field of technology, the bank announced, in November 2025, the launch of the Interactive Benchmark for Low Carbon Projects (BIPC), in partnership with the University of São Paulo. The objective of the BIPC is to measure the generation of embodied carbon in housing projects financed by the institution. By combining technological investment and environmental concern, the result will be to promote the improvement of structural projects and reduce the consumption of materials to directly reduce CO2 and production costs.

A robust system to stimulate homeownership

Absolute leader in real estate credit in the country, CAIXA has also contributed to the development of civil construction. In Rio, São Cristóvão is a new transformation hub

On October 10, CAIXA and the federal government announced excellent news to the Brazilian population, launching a solid set of measures aimed at boosting real estate credit in the country. The maximum value of the mobile loan financed under the financial system for housing increased from R$1.5 million to R$2.25 million. Additionally, the financing offered by CAIXA was up to 80% of the property value through the Brazilian Savings and Credit System (SBPE) — until then, the ceiling was 70%.

Thanks to another measure announced in December, CAIXA borrowers can now contract more than one financing through the Brazilian Savings and Credit System (SBPE), one of the models most sought after by mortgage applicants. The rule has been suspended since November 2024.

Through these actions, CAIXA hopes to reach around 250 billion reais in real estate credit contracts in 2025, compared to 185.4 billion reais in 2023 and 223.6 billion reais last year. It remains the absolute leader in real estate credit, with 67.1% (September 2025).

MY HOUSE, MY LIFE TAKES A NEW MODE

Reaffirming its role as a bank that supports Brazilians in realizing their dream of becoming homeowners, CAIXA is also present in the new Minha Casa, Minha Vida modality, aimed at the middle class. The creation of this new modality allows access to the program to families whose income can reach R$12,000. The account holder can finance new, second-hand or off-plan houses or apartments, worth up to R$500,000. For off-plan properties, the construction of the project must be financed by CAIXA.

In addition, the ceiling for properties aimed at low-income families reached R$275,000. As the main operator of Minha Casa, Minha Vida, CAIXA provided more than 99% of the financing of the program during the year and was the first to begin operating Band 4, in May 2025.

SÃO CRISTÓVÃO: NEW EXPANSION OF PORTO MARAVILHA

Directly linked to housing, the civil construction sector has developed and CAIXA promotes the growth of this sector. In September 2025, in Rio de Janeiro, the bank’s president, Carlos Vieira, participated in the “Rio Construção 2025 Summit” event, during which the new master plan of Porto Maravilha was presented, which provides for the expansion of the Consortium’s urban operation to the São Cristóvão neighborhood. Administered by CAIXA, the Porto Maravilha Real Estate Investment Fund (FII PM) is promoting profound transformation in the port region of Rio de Janeiro.

The region, which covers 3.7 million m2 and is home to icons of Rio’s cultural heritage, such as Quinta da Boa Vista, the National Museum and the São Cristóvão Fair, will now receive a new urban development, with a cycling network, accessible passages and the arrival of VLT. The project is already beginning to transform the reality of the city and its population. Today, Porto Maravilha totals more than 8.9 billion reais in private investments and around 90% of the 12,000 housing units launched have already been sold.

REAL DELIVERY TO HELP CREATE A MORE JUST AND SUSTAINABLE FUTURE

Promoting inclusion and citizenship in all regions of the country has been in CAIXA’s DNA since its creation. In 2025, it was no different. Below, the impact actions announced throughout this year:

In December 2025, CAIXA opened its first Creative Economy Impact Hub, in the Little Africa region, the port area of ​​Rio. In space, the bank offers structure, training and technical support to drive initiatives that promote innovation, employability and productive inclusion of businesses in the region.

During the opening ceremony of the Hub, a product fair from Rede Brasil Afroempreendedor (Reafro) enriched the experience. Entrepreneurs like Ana Passos, head of the Okô Indumentárias Africanas brand, were present at the event.

CAIXA has also signed Technical Cooperation Agreements (ACT) with BNDES, Senac and Firjan. These institutions will collaborate in areas such as professional training, technical support, employability and business development. Sebrae will also join the agreement later, expanding its support for local entrepreneurship.

COP30, the Climate Conference of the Parties, anchored by the United Nations, took place in the city of Belém from November 10 to 21, 2025, with the presence of more than 42,000 registered participants and a total flow estimated at half a million people. CAIXA, which published the “Caixa Towards COP30” series on its website in 2025, showing the environmental agenda integrated into business planning, set up a stand in the space, which served as a venue for debates on inclusive development models.