Plano & Plano Desenvolvimento Imobiliário S A : Institutional Presentation 1Q26

I N V E S T O R R E L A T I O N S

INSTITUTIONAL PRESENTATION

2026

L I S T E D O N B 3 N O V O M E R C A D O | P L P L 3

Plano&Plano

Brief History

T O P

I M O B I L I Á R I O

Top Imobiliário Achievements: 1st place as a developer

I S O 9 0 0 1

First Quality Certification: ISO 9001 and PBQP-H

Level A

J O I N T

V E N T U R E

Joint-venture with Cyrela Brazil Realty

P L A N O & V E N D A S

In-house sales team creation “Plano&Vendas”

T O P

I M O B I L I Á R I O

Top Imobiliário

Achievements: 3rd place as a developer

E S G

N D T C A I X A

Technical Performance Level Certificate from Caixa Econômica

T O P

I M O B I L I Á R I O

Top Imobiliário Achievements: 1st place as a constructor; 2nd as a developer;

P R Ê M I O

M I N H A C A S A M I N H A V I D A

We were the winners in the Sustainability

Financing category

1997

2000

2001

2006

2009

M C M V

2016

2012 2019

2020

Creation of the

ESG department

2021

S E L O A Z U L

C A I X A

Caixa Technical Performance Level Certificate (NDT) Level 01;

Caixa Azul Seal Certificate (CEF).

2021 2021

Federal

I N S T I T U T O

P L A N O & P L A N O

Plano&Plano

Institute Launch

2023

3rd as a broker.

2026

A G R E E M E N T W I T H

C A I X A

First “Minha Casa, Minha Vida” (MCMV) Projects

P L A N O D I

Plano&Plano Di Foundation

G P T W

I P O a t B 3 First Certification

2022

2024

2025

Certification under ISO 14001 and ISO 45001

F O U N D A T I O N

FOUNDATION OF PLANO&PLANO

First associate credit

agreement with Caixa Econômica Federal

Listing of shares on the B3 (Brazilian Stock Exchange)

Great Place to Work

(Best Companies to Work For)

P O D E E N T R A R

Agreement signed with the Municipality of São Paulo for the development of 5,547 housing units as part of the city’s social housing program.

E F F I E

A W A R D S

Gold Achievement in the Innovative Marketing Solution Category with the “Apê Grátis – The Game” Campaign

3

Shareholder Structure

Rodrigo Luna

23.3%

Rodrigo von

15.5%

Cyrela

33.4%

Treasury 0.5%

Others

27.3%

Source: March 31, 2026.. 4

4

Delivering Outstanding and Consistent Growth

LAUNCHES |

BRL mm

CAGR100%2022-1Q26 (LTM) = 38.1%

CAGR%PLPL 2022-1Q26 (LTM) = 37.2%

Growth: 3.0 x

NET SALES |

BRL mm

CAGR100%2022-1Q26 (LTM) = 36.7% CAGR%PLPL 2022-1Q26 (LTM) = 33.4%

+154.7%

4,317

4,304

333

3,071

246

3,377

218

1,690

3,944

3,159

30

1,660

2,825

Growth: 2.5x

+185.3%

5,338

545

5,149

378

3,344

398

3,867

163

1,805

98

1,707

2,946

3,704

2022

2023

2024

2025

1Q26 (LTM)

2022

2023

2024

2025

1Q26 (LTM)

%Plano&Plano

100%

VGV % Plano&Plano

VGV 100%

Note: CAGR: Compound Annual Growth Rate.

5

Main Highlights

01

GROWTH:

Sustainable expansion with a focus on resilience and risk management.

02

FINANCIAL EFFICIENCY:

Robust budgeting practices and disciplined cost management.

03

TECHNOLOGY:

Solutions like BIM and Salesforce driving construction

and sales performance.

04

HUMAN RESOURCES:

Engineering school, leadership development, performance evolution and succession planning.

05

GOVERNANCE:

Statutory Audit Committee, Compliance, Board of Directors, and Fiscal Council with experience and an increasing focus on ESG.

. 6

Note: BIM – Building Information Modelling.

Positive Fundamentals at Macro, Industry and Company Levels

MACRO & INDUSTRY

MCMV¹ PROGRAM

Financed by Caixa Econômica Federal with more favorable terms than prevailing market conditions.

In 2024, Tier 1 received fiscal incentive with significant

change due to MCMV;

Subsequently, Tier 4 was introduced, covering products of up to BRL 600 thousand for households with income of up to BRL 13 thousand.

In April 2026, the Federal Government announced a BRL 20 billion contribution from the Social Fund (derived from pre-salt revenues) to the MCMV program.

São Paulo’s housing program

PODE ENTRAR: the Company has contracted over BRL 1 billion with 5,547 units since 2023.

CDHU: in December 2025, the Company entered into a new project with CDHU with a PSV of BRL 56 million.

PLANO&PLANO

Robust platform, well-positioned in the largest real estate market in Brazil

Proven construction capacity

Sizeable landbank ready to capture

growth

Aligned management and Reference shareholders

Benefiting from economy of scale

Note: ¹MCMV refers to Minha Casa Minha Vida. 7

One-Stop-Shop Solution as a Real Estate Developer

Solid operational processes support the success of Plano&Plano’s platform

Verticalization of Company’s operations results in fixed costs dilution and superior quality

DEVELOPMENT

Planning and cost management

Landbank selection based on market analysis and business intelligence through the use of supply and demand data by region in the city of São Paulo

Plano&Plano’s solid development capabilities enable unique and innovative projects that meet

local market demands

CONSTRUCTION

Delivering projects on schedule with mastered construction techniques

Experienced team of 1,516¹ direct employees focused on construction management

Solid budgeting techniques and strict cost control, Investment in BIM (Building Information Modelling)

High level of efficiency and delivery satisfaction

Flexibility in different types of land plots

SALES

Online channel boosting apartments sell-out, supporting controlled customer acquisition cost

Team of approximately 5,000 associate brokers

Partnerships with medium and large-sized brokers

The online platform supports sales by generating new leads and providing comprehensive content on products and financing options

Note: ¹Based on 03/31/2026.

The vertic6lized solutiofi drives perform6fice for both the comp6fiy 6fid the customer.

8

Well-positioned in the largest real estate market in Brazil, with ~20% of Units Sold¹

Strofig Le6dership ifi the

S6o P6ulo Metropolit6fi Are6³

State of SP:

4

of Brazil’s

GDP5

Launches

20%

80%

Plano&Plano

Others

18%

82%

Units sold

of São Paulo State GDP5

Plano&Plano

Others

Population2 GDP2

Housing Deficit (Units) in Metropolitan Region of São Paulo

Housing Deficit (Units) in the City of São Paulo

Source: Plano&Plano, Secovi, Seade and Fundação João Pinheiro (2023)

Note: ¹Considers sold units under the MCMV program in the city of São Paulo; ²Considers

metropolitan area of São Paulo; ³Secovi based on 02/2026; 4Refers to the state of São

Paulo, representing 31% of the GDP of Brazil; 5Refers to the Metropolitan Area of São 9

Paulo, representing 50% of the GDP of the state

Plano&Plano’s Portfolio

Super Economical Economical

Up to BRL 276 Thousand Up to BRL 276 Thousand

Tier 1

Tier 2

MCMV

MCMV

Up to BRL 3,200

From BRL 3,200

to BRL 5,000

85% of Housing deficit in Brazil

Economical

Up to BRL 400 Thousand

Tier 3

MCMV

From BRL 5,000

to BRL 9,600

Medium

Up to BRL 600 Thousand

Tier 4

MCMV | Mid-Income

From BRL 9,600

to BRL 13,000

Upper-Middle Class

Up to BRL 1.1 million

Mid-income Above BRL 16,000

Ticket

Financing

Household income 10

Landbank Ready to Capture Growth &

Strategic landbank footprint with sharp focus on locations with high infrastructure and close to the main transportation axes

Fully Aligned with Company’s Targeted Income Levels

95% OF THE NUMBER OF LOTS AND POTENTIAL GROSS SALES VALUE LOCATED IN THE CITY OF SÃO PAULO

BRL 34.5 bn

LANDBANK – total sales potential 100%

1.2 million m² total area

132 thousand

POTENTIAL LAUNCHES IN UNITS

m²

5.5 million m²

TOTAL POTENTIAL

CONSTRUCTION AREA

Source: FipeZap. ¹As per data disclosed in the Company’s Operational Preview for 1Q26.

11

Strategic Reach in São Paulo with Diverse and well-located projects, targeting low and middle-income clients

– including premium areas.

Indicators

41 41

+63%

49 53

63 67 67

67ACTIVE

CONSTRUCTION SITES

2020 2021 2022 2023 2024 2025 1Q26

44.2 thousand

UNITS UNDER CONSTRUCTION

15.0 15.7 19.4

+194%

31.4

24.1

42.5 44.2

2020 2021 2022 2023 2024 2025 1Q26

12

Strong Customer-Centric Culture has Placed Plano&Plano at the Top Satisfaction Rating Among the MCMV Players

Pillars that Sustain Best-in-Class Customer-Centric Culture

Customer Satisfaction

Total focus on customer experience, from the first contact to final delivery

great

RA 1000

4Q24 1Q25

Multidisciplinary committees focused on optimizing and continuously improving customer service

2Q24 3Q24

NPS

2Q25

3Q25

4Q25

64 65 72 76 77 74

39,166

47,738

62,321

76,929

93,250

2020

2021

2022

2023

2024

2025

Quality

Excellence

Client Base

13

Complete Real Estate Developer & Selling Platform

Multi-ch6fifiel 6ppro6ch to cliefit 6fid re6ltor ifiter6ctiofis

Sales Originated Online in

2025

Website Access 1.9 mm

Contacts originated

online: 385k

Unit sales originated online: 8.9k

PSV sales Originated online: BRL 2.2 B

BRL

BRL 1.6 bn

1.2 bn

BRL

871 mm

BRL

669 mm

BRL

405 mm

BRL

2.2 bn

Plano&Vendas / Plano&Casa

(Associate Brokers)

Mid-size and large independent brokers managed by:

2020 2021 2022 2023

2024

2025

+Five Thousand

Associate Brokers

~82%¹

of total sales

~18%¹

of total sales

Note: Based on 12/31/2025. 14

Mastered in Construction Techniques

One-stop Shop Solution as a Real Estate Developer

Plano&Plano has construction techniques developed over the course of more than two

Low level of repairs / redo’s

High predictability of deliveries

Lower differences vs. budget

100%

of projects delivered within

contract deadline

Maximizing Total Constructed Area

decades

Standard processes and tailor-made developments

A

Process Optimization

B

Construction Flexibility

C

Maximization of Building Efficiency Ratio

~71%

project efficiency1

D

Longstanding Relationship with Contractors

techniques to new employees

Load Bearing Masonry Technique

BRL 271 million

of accumulated cost savingssince 2020³

Higher customer satisfaction with

82.5%

of approvalon the 1st inspection²

Certifications obtained:

Evidencefor qualityand technical level

NDT – 1

(Caixa Econômica Federal)

15+ years

of relationship with the main contractors

Note: ¹Sales area as a percentage of constructed area; ²Based on 03/31/2026; ³Based on 03/31/2026. 15

Operational Efficiency that Promotes Sustainable Profitability

INCC DI in 1Q26

Nominal Brazil reais

and % of cost savings

INCC1 – DI (%) 13,9%

8,8%

9,3%

6,5%

5,9%

5,3%

3,5%

2020

2021

2022

2023

2024

2025 1Q26 (LTM)

BRL mm – % per year

7.7%

59

5.9%

41

5.4%

63

4.5%

27

4.0%

29

3.0%

29

2.8%

25

2020

2021

2022

2023

2024

2025

1Q26

(LTM)

Stable gross margins, even in an inflationary

environment, through efficient internal controls

Adjusted Gross Margin2

38,5%

36,3%

33,3%

35,2%

31,4%

35,9%

34,1%

33,8%

32,1%

30,5%

27,0%

2020

2021

2022

2023

2024

22,9%

2025

Total Public Market Private Market

Source: Fundação Getúlio Vargas

Note: ¹INCC refers to “Índice Nacional de Custo da Construção” (National Construction Cost Index); ²Adjusted for capitalized interest. ³ Updated by INCC.

Cost savings at ~ BRL 271 mm in over 6.25 years (2020-1Q26), averaging 4.9% of total cost

Resilient gross margins,

with records over 30% for almost the entire period over the last 6.25 years

16

Increasing Efficiency Over Inventory…

Net Sales (BRLmm, 100%) & Average Unit Price (BRL000′)

(INCLUDING PUBLIC MARKET)

Inventory (BRLmm) & Sales Over Supply (LTM %)

(INCLUDING PUBLIC MARKET)

55,8%

53,0%

52,3%

51,1%

39,2%

43,5%

32,7%

263

271

230

212

179

183

197

4.317 4.304

3.071 3.377

1.690

874

1.327

3.896 3.896

1.925

2.095

2.253

2.479

2.904

2020 2021 2022 2023 2024 2025 1Q26 (LTM)

Net Sales Average Price

Dez-20 Dez-21 Dez-22 Dez-23 Dez-24 Dez-25 Mar-26

Inventory SOS

17

Capital Structure

amortization next five years

including all of 2031.

assigned in Jun/24 and reaffirmed in Jul/25.

Gross Debt¹

BRL1.1 bi

Associative Credit

22.6%

77.4%

Corporate Credit

Amortization Schedule²

(BRL million)

133

34

135

210

341

245

2026 2027 2028 2029 2030 >2031

Note: ¹Base date: Dec/25. ²Net Debt corresponds to the sum of onerous debts in the Issuer’s consolidated balance sheet less cash and cash equivalents (sum of cash plus financial investments) 18

less SFH Debt and FGTS Debt.

…Translating into Robust Growth & Strong Profitability

Launches (100% P&P) & Net Revenues

(INCLUDING PUBLIC MARKET)

Launches

Net Revenues

5.337

3.344

3.867

2.589

3.282

1.433

901

1.462

1.271

1.805

1.492

2.072

2020 2021 2022 2023 2024 2025

Adjusted Gross Profit and Adjusted Gross Margin

33.3%

31.4%

36.3%

35.9%

30.5%

35.2%

34.1%

27.0%

% Gross Margin % Private Market % Public Market

Private Market

Public Market

38.5%

349

423

468

744

37

707

883

93

33.8%

32.1%

22.9%

1,054

113

790

941

Source: Plano&Plano

2020

2021

2022

2023

2024

2025 19

Note: 1. Net income over the LTM / average of shareholder’s equity over the same period

…Translating into Robust Growth & Strong Profitability

Net Income & Net Margin

Margin 100% Margin %Plano&Plano

Net Income 100%

Net Income %Plano&Plano

13.4%

13.0%

344

362

12.9%

11.0%

423

61

13.3%

391

47

277

8

269

2023

9.0%

134

134

2022

135

135

2021

132

132

2020

10.6%

2025

14.7%

15.1%

2024

Return on Equity (ROE)

Net Income

Average Equity ROE

81,0% 49,4% 36,8% 52,3% 47,0% 38,7%

935

732

363

514

362

132

163

135

274

134

269

344

2020 2021 2022 2023 2024 2025¹

Source: Plano&Plano 20

Note: 1. Net income over the LTM / average of shareholder’s equity over the same period