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2 Company Name: Banrisul S/A Company Type: Multiple-service bank controlled by the State of Rio Grande do Sul. Incorporated in: September 12th 1928. Incorporated.

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Presentation on theme: "2 Company Name: Banrisul S/A Company Type: Multiple-service bank controlled by the State of Rio Grande do Sul. Incorporated in: September 12th 1928. Incorporated."— Presentation transcript:

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2 2 Company Name: Banrisul S/A Company Type: Multiple-service bank controlled by the State of Rio Grande do Sul. Incorporated in: September 12th Incorporated under the Laws of: State Law nº 459/28. Stake of the State: 57.0%. Stake of the State on ordinary stocks: 99.6%. Free float: 43.0% Company Data

3 3  4th economy of Brazil accouting for 7.0% of the Brazilian GDP;  State’s GDP growth in 2007: 7.0% (Brazil’s GDP: 5.2%);  2nd largest industrial expansion in the country;  Ranked 3rd among Brazilian states in terms of retail trade growth  State’s GDP: R$ 2,556.8 billion / US$ 1,312.6 billion * Data 2007 The State of Rio Grande do Sul at a Glance

4 4 IndicatorsRSBrazil Population10,963,219186,770,562 Area (km 2 )281,7498,498,332 Population density Urban population (%) Growth population rate HDI HDI-Income HDI-Education HDI-Life expectancy Gini index Life expectancy (years)74.271,9 Infancy mortality rate Illiteracy (%) Average years of education Poverty (% population) RS Socioeconomic overview of Rio Grande do Sul

5 5 Main factors contributing to the Bank’s business and performance are: Strong partnership with Rio Grande do Sul state Strong identification by state citizens Regional multiple-service bank focused on credit products

6 6 Cross Selling Exclusivity to payroll payments and payroll-deductible loans to State employees. Strong partnership with Rio Grande do Sul State

7 Banrisul Highlights

8 8 Stockholder Breakdown BANRISUL STOCK - Presently StockholderON%PNAPNB TOTAL (PNA + PNB) % TOTAL OF STOCKS % State of Rio Grande do Sul204,199, %2,721,48426,086,95728,808, %233,008, % Fund Banrisul de Seg. Social449, %158, %608, % Inst. Prev. Do Estado RGS44, %168, %213, % Free Float324, %872,006173,948,574174,820, %175,144, % TOTAL205,017, %3,921,085200,035,531203,956, %408,974, %

9 9 Banrisul Network Service Network Branches424 Rio Grande do Sul395 Santa Catarina13 Other States14 Abroad2 Service Points273 Eletronic Sales Points427 Representative Office1 Total Network1,125 Presence in the State of Rio Grande do Sul Total Municipalities in the State of Rio Grande do Sul496 Municipalities with Banrisul Branches294 Municipalities with Banrisul Service Points105 Total Municipalites Serviced by Banrisul408 Service Range82.3% Population of the State of Rio Grande do Sul serviced by Banrisul97.4% State of Rio Grande do Sul's GDP serviced by Banrisul97.3%

10 10 Brazilian Competitive Market BRAZILIAN COMPETITIVE MARKET AS OF JUN/08 - IN R$ MILLION, EXCEPT NR. OF BRANCHES INDEXBRAZILSTATE OF RGS % STATE OF RGS / BRAZIL BANRISUL % BANRISUL / STATE OF RGS TIME DEPOSITS414,98118,6694.5%7, % SAVING DEPOSITS247,73219,8938.0%4, % DEMAND DEPOSITS113,5688,6867.6%1, % LOAN PORTFOLIO1,067,35545,5404.3%9, % NR. OF BRANCHES19,5281,3026.7% % Source: Central Bank of Brazil

11 11 Regional multiple-service bank focused on credit products

12 12 Debit card to make cash, term or installment payments for their purchases in accredited commercial establishments A mean of payment that increases the purchase power, makes it easier to monitor expenses and does not burden card users About 66,000 establishments affiliated More than 34 million transactions in Aug 08, equivalent to almost R$ 2 billion in financial turnover Banricompras

13 13 Internet Banking The Bank offers access channels to clients through Home and Office Banking. IT Investments Mobile Banking A debit card via cell phone to check balances and statements, and allows for the wire transfer of resources between accounts and the payment of bills through a mobile phone. Chip Card - Multos A highly secure operating system that supports multiple applications for use in smart cards. MULTOS allows cards to be monitored during all steps of a transaction, simplifying and improving the smart card issuing process. Banrisul International IT Forum (Porto Alegre – RS – Brazil) Oct 28, 2008

14 14 Self-service Channels Benefits

15 15 15 Net Income R$ million

16 16 16 Assets CAGR: 18.50% p.a. CAGR: 19.02% p.a. R$ million

17 17 17 Interest on Own Capital and Dividends Paid R$ million

18 18 18 Funding CAGR: 15.75% p.a. CAGR: 15.10% p.a. R$ million

19 19 19 Securities R$ million

20 20 20 Credit Portfolio R$ million

21 21 21 Credit Portfolio yearly rate of growth

22 22 22 Commercial Credit Portfolio yearly rate growth

23 23 23 Funding yearly rate of growth

24 24 24 Credit Portfolio Breakdown R$ million

25 25 25 Commercial Credit Portfolio Individuals and Companies R$ million

26 26 26 Credit Portolio by Rating R$ million

27 27 27 Default Rate In %

28 28 Basel Ratio In %

29 29 Number of Clients In Million R$ million

30 30 NOTICE TO THE MARKET Freed of Reserve Requirement Impacts on Banrisul Measures of Central Bank released R$ 1,842.6 millions in reserve requirement On september 24, the total amount in reserve requirements was R$ 3,883 millions

31 31 NOTICE TO THE MARKET Freed of Reserve Requirement Impacts on Banrisul Loan portfolio: R$ 10,589.7 million Total funding, including investiment funds: R$ 18,051.7 million Federal securites + short term and interbank investiments: R$ 6,460.1 million Basel Index, after Basel II alterations: 18,11% - Allow for R$ 10 billion increase in the loan book Main figures in August, 2008

32 32 NOTICE TO THE MARKET Freed of Reserve Requirement Impacts on Banrisul Treasury invested only in federal securities indexed to the SELIC – LFT or inter-banking operations pegged to federal securities Not exposed to exchange, swaps or derivatives Payroll-deductible loans portfolios acquired: more than R$ 500 millions Default, overdue more than 60 days totaled 3,12% Summarizing, conditions to continue growing Current situation

33 Ricardo Hingel CFO & IRO Investor Relations Rua Capitão Montanha, nº 177 – Centro Porto Alegre – Rio Grande do Sul - Brazil CEP Phone: Fax:


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