Banrisul's IR Program Quarterly Newsletter

A tour of Banrisul from the Investors' perspective

Highlights 1Q23

A D J U S T E D

L O A N

P A Y R O L L

R U R A L

N E T I N C O M E

P O R T F O L I O

L O A N S

C R E D I T

R$213.0 mi

R$50.1 bi

R$20.1 bi

R$8.5 bi

▲12m: +29.8%

▲12m:

+18.2%

▲12m: +6.5%

▲12m: +69.0%

▼3m: -15.2%

▲3m:

+2.0%

▲3m: -0.1%

▲3m: +7.3%

C R E D I T N E T

I N T E R E S T

I N C O M E

R$926.0 mi

▲12m: +15.1%

▲3m: +3.8%

F E E S A N D S E R V I C E S R E V E N U E S

R$521.6 mi

▲12m: +5.9%

▼3m: -5.3%

D E F A U L T

C O S T

R A T I O

O F R I S K

9 0 d a y s

1.73%

2.01%

▲12m: -0.49 p.p.

▲12m: -0.12 p.p

▲3m: +0.15 p.p.

▲3m: +0.04 p.p

NetGuidanceInterestIncome2023

NII in growth process

1,121.8

1,115.1

1,151.5

1,280.4

1,250.2

113.0

68.1

89.8

79.1

115.6

275.1

256.1

227.3

222.4

290.6

892.3

926.0

804.7

777.1

781.9

1Q22

2Q22

3Q22

4Q22

1Q23

Credit

Treasury

Recovery of written-off credit

Change

Investor Relations

BanRI360º - 1st quarter of 2023 Year 3 - No. 8

Base date: 03/31/2023

LoanPortfolio

Loan Portfolio Balance

▲18.2

R$ billion

50.1

44.6

47.4

49.1

4%

41.0

42.4

38.7

10%

3%

36.6

17%

11%

9%

18%

17%

60%

51%

Jun-21Sep-21

Dec-21Mar-22Jun-22

Sep-22Dec-22Mar-23

Individuals

Companies

Rural

Real Estate

Other

Individuals

% Change

YoY

QoQ

Payroll Loans

+6.5%

+0.1%

Consumer Loans

+36.6%

+14.0%

Companies

% Change

YoY

QoQ

Working Capital

+21.0%

-1.3%

Debt Accounts

+18.4%

+25.3%

Rural and Real Estate

% Change

YoY

QoQ

Rural

+69.0%

+7.3%

Real Estate

+14.7%

+2.%

80%

Portfolio growth in

low-risk lines with solid

Collateralized Individuals

guarantees mitigates

Portfolio ¹ as of Mar-23

potential risk of credit

deterioration

¹ Considers the balances of credit lines for the Acquisition of Goods and Payroll Loans over the Individuals Portfolio.

Investor Relations

AssetQuality

Default Ratio

90 days

2.4%

2.0%

1.9%

1.8%

1.6%

1.9%

1.6%

1.6%

1.8%

1.7%

1.8%

1.8%

1.6%

1.5%

1.7%

Mar-22

Jun-22

Sep-22

Dec-22

Mar-23

Individuals

Companies

Total

Low default levels are

a result of:

Selectivity in granting;

Focus on low-risk and

secured credit lines

Cost of Risk

CoverageRatio

12m Provision Expenses vs Loan Portfolio

90 days

2.13%

1.99%

1.78%

1.97%

2.01%

315.3%

319.7%

324.9%

313.6%

285.7%

1Q22

2Q22

3Q22

4Q22

1Q23

Mar-22Jun-22Sep-22Dec-22Mar-23

Concentração da Carteira ²

Portfolio Concentration¹

LoanPortfolio atNormal Risk

12.2%

(AA - C Ratings)

8.1%

6.5%

93.1%

5.4%

91.6%

2.0%

3.5%

88.8%

89.9%

10 Largest Debtors

20 Largest Debtors 50 Largest Debtors

Banrisul

Market Average

Mar-20Mar-21Mar-22Mar-23

¹ Market Average is the average of the concentrations of the four largest banks listed on B3, weighted by Loan Portfolio. Banrisul data for Mar-23 and Market Average for Dec-22.

Investor Relations

Rural Credit

Portfolio Balance

R$ billion

▲69.0%

8,452

5,001

Mar-22Mar-23

Asset

Quality

0.51%

NPL > 90d

Mar/23

Crop Plan

2022/2023

88.0%

Granted

By Type of Financing¹

By Farmer Category¹

3.3%

2.6%

18.2%

29.2%

51.8%

64.9%

30.0%

Cost

Investment

Commercialization

Other

Pronaf

Pronamp

Other

1 Breakdown of the Balance of the Rural Credit Portfolio in Mar-23.

Investor Relations

News

Innovation

Within the scope of the Transformation strategic pillar, Banrisul values an organizational culture that encourages innovation, constantly optimizing business and fostering partnerships that add value, remaining competitive in the market and consolidating technology in the search for results. The Bank supports several initiatives that strengthen the innovation ecosystem and participates in major events and Summits covering multiple areas, creating future capabilities for the development of companies and for fostering partnerships in building solutions to challenges and achieving new goals. markets.

Commitment to Diversity

Employee development, based on Banrisul's agile and transformative culture, promotes people's engagement and motivation through transparent and humane management. In order to reinforce the team and bring new talents to the Bank, new employees were admitted through the public tender to work in the areas of information technology, and a general staff tender was held, with the expected admission of up to 1,335 employees. In 2022, Banrisul's new Positions, Functions and Salaries Plan was instituted to provide employees with clarity on their trajectory within the Bank and consolidate an incentive system that motivates, engages and promotes the achievement of results. The theme of Diversity, Equity & Inclusion is being conducted by a voluntary participation Commission and 3 initial Affinity Groups, to deal with the themes: Race/Ethnicity, Gender Equity and People with Disabilities.

Banricompras

With the aim of expanding the area of operation and improving the customer experience, Banrisul announced in March 2023 that the Banricompras card will be accepted throughout the national territory. The approval of acquiring companies that adhere to the Banricompras Arrangements as Network Service Providers will start in October 2023 and it is estimated that acceptance of the brand through the new companies will gain volume in the market from the beginning of 2024.

Staff

10,237 9,224 8,886 8,804

Mar-20Mar-21Mar-22Mar-23

1Q23: +218 IT professionals in training

Investor Relations

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Disclaimer

BANRISUL - Banco do Estado do Rio Grande do Sul SA published this content on 16 May 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 16 May 2023 19:42:01 UTC.