Banco do Estado do

Institutional Presentation

Investor Relations

September 2020 janeiro 2040 Institutional Presentation COVID-19

Corporate Profile

This presentation contains forward-looking statements relating to the prospects of the business, estimates for operating and financial results, and those related to growth prospects of Banrisul. These are merely projections and, as such, are based exclusively on the expectations of Banrisul’s management concerning the future of the Business Strategy business and its continued access to capital to fund the Company’s business plan. Such forward-looking statements depend, substantially, on changes in market conditions, government regulations, competitive pressures, the performance of the Brazilian economy and the industry, among other factors and risks disclosed in Banrisul’s filed disclosure documents and are, therefore, subject to change without Financial Summary prior notice. BANRISUL .

A c t i o n s

3 Q 2020 Customer Support

Covid-19 Renegotiated Credit Portfolio

Digital Channels

Presentation Institutional BANRISUL . 3 Q 2 0 2 0 Actions

Health and medical assistance from Moinhos de Operational home office contingency plans, Vento Hospital to define prevention protocols without jeopardizing the continuity of activities and to provide telemedicine service to employees with Covid-19 symptoms or that have tested positive for the virus

Customers serviced at branches by Provision of personal protective appointment, in observance to restrictions equipment to employees working at linked to coping with the pandemic branches

Especial care to employees in risk groups, which Widely disseminated self-service channels, with are working remotely from home tutorials for accessing services, as well as

servicing customers through social networks Institutional Presentation BANRISUL . 3 Q 2 0 2 0 Customer Support

Individuals Companies Agribusiness Intensificação na oferta de soluções relacionadas ao acionamento de Additional limits for Banricompras, pre- Insurance-related solutions to deal with Additional limits for Banricompras, pre- seguros, prorrogação de operações e approved credit limits available, the effects of drought, extension of approved credit limits available, contratação de novos créditos. extension of maturities on consumer extension of credit maturities and offer maturities on credit operations and new loans and on payroll loans to public of working capital and pay roll credit lines credit concession employees

Insurance Vero Real Estate

Special conditions for the renewal of POS with no cost, fees exemption to Grace period (deferral of charges) of up to Implementação de condições vehicle and home insurance, in addition customers with reduced sales volumes, six installments (by customer request) on específicas para as renovações de to improving remote solutions for the MDR rates as practiced prior to March real estate loans, offered to individuals and Seguros de Automóvel e Residencial, acquision of life insurance 2020 companies alike além da opção de contratação remota

Institutional Presentation para Seguros de Vida. BANRISUL . 2 T2020

HUB.SPACE

Innovate | Discover | Explore | Co-create Apresentação de Resultados

6 BANRISUL .

HUB.SPACE

3 Q 2020 Collaborative space in coworking format, aimed at promoting new ideas, research, experimentation and co-creation. .

HUB.EDUCATION It promotes a culture of HUB.STARTUP innovation, training and It is the acceleration program building improvements, for startups incubated at encouraging knowledge BanriTech. throughout the ecosystem, combined with the development of RS.

HUB.VENTURE It is the pillar that seeks to stimulate actions that add value and enhance the results of partner Startups

through investment funds. Institutional Presentation BANRISUL . 3 Q 2020 Renegotiated Credit Portfolio Renegotiated installments Jun/2020 Sep/2020 are 2.1% of the total loan Installments Contracts Installments Contracts portfolio (R$ Thousand) (R$ Thousand)

Individuals 317,347 192,546 331,818 199,569 1.2% of the Individuals Payroll Loans 188,047 36,633 188,047 36,633 Credit Vehicles 182 89 182 89 3.5% of the Real Estate 63,658 10,731 72,429 11,760 Companies Consumer Loans 65,460 145,093 71,160 151,087 Credit

Companies 251,800 26,638 318,012 27,744 Corporate e Large Corporate 124,723 358 157,045 378 Loans with Middle 54,503 2,062 74,927 2,190 renegotiated SMEs 59,496 23,528 72,161 24,470 installments correspond to BNDES (Onlendings) 13,077 690 13,878 706 approximately 15% of the credit

Rural Credit 94,746 997 94,746 997 portfolio Institutional Presentation

Total 663,893 220,181 744,577 228,310 BANRISUL . 3 Q 2020 Digital Channels

In a scenario of social  Release of updated Version distancing, digital of Banrisul Digital app; channels have become even more important,  Increasing limits for as they are the main transactions using My channel of relationship Account, Affinity and Office between the App channels in the Institution and the Banrisul Digital app; customers.  Scheduling of Service at Branches using the app;

 “Talk-to-your-Account- Manager” WhatsApp button for customers of the

Afinidade segment. Institutional Presentation BANRISUL .

Corporate Profile

T i m e l i n e

Administrative Structure 3 Q 2020 Corporate Management and Governance Committees Profile Board of Executive Officers Corporate Governance

Banrisul listed shares

Sustainability

Human Resources

A w a r d s Institutional Presentation BANRISUL . 3 Q 2020 Corporate Profile

Focusing on the efficiency of management, centering objectives on faster, simplified processes, improving IT Efficiency infrastructure and architecture, improving risk management and also adhering to best management practices.

Transformation Following the path of transformation, through the implementation of new business models and new technologies, to maintain Banrisul’s competitiveness.

The strength of its employees is key to achieve organizational success. To this end, the has developed a challenging, Employees agile environment, fostering the engagement and improving the management of human resources.

Considering the similarity of products offered in the financial market, the entry of new competitors and the targeting of Customers customers by perception of value and innovation, Banrisul intensifies focus on customer, in order to provide the best experience in financial solutions and raise their level of satisfaction.

Essence Reinforce the commitment to being a retail bank, with a focus on Rio Grande do Sul. Institutional Presentation BANRISUL . 3 Q 2 0 2 0 Timeline

1928

1993 On September 12, 1928 Banrisul starts operating as 1943 It is inaugurated the first ATM rural credit and mortgage room, totally automatized, at public bank and its main the Praia de Belas Shopping, activity was the long term Banrisul receives its first in . lending with mortgage as female employees on its collateral. office force.

1931

1964 In the beginning of the 30’s years, after incorporating the Pelotense With 35 years of existence and highlighted Bank, Banrisul started being the tax position at the national banking scene, collector for the State of Rio Institutional Presentation Banrisul inaugurates its current main office, Grande do Sul. Listed on the Stock at the Capitão Montanha Street, at the exchange in September, 1931. heart of Porto Alegre. . BANRISUL . 3 Q 2 0 2 0 Timeline

2007

2019 It is completed the process 2014 of capitalization and secondary emission of Banrisul launched the campaign preferred shares, held by Banrisul launches its “Agro is our business”, focusing the State of Rio Grande do new multibrand on rural credit. Sul. Banrisul joined the acquirer company, Vero. Level 1 of Corporative 2005 Governance at the São Paulo Stock Exchange. Banrisul launches the Banrisul Internet Card with smart chip, 2012 innovation at Latin America 2017

which brings more safety at Bem Promotora comes up, a company Institutional Presentation electronic transactions. which acts as payroll loans originators for INSS retired, pensioners and public Banrisul launched the federal employees. Banrisul Digital app. BANRISUL . 3 Q 2 0 2 0

Administrative Structure Institutional Presentation BANRISUL . 3 Q 2 0 2 0 Management and Governance Committees

The Board of Directors is composed by up to 11 members, of which at least 25% are independent members.

Cláudio Eduardo Cunha Márcio Gomes Irany de Oliveira Vacant Seat Coutinho Mendes da Costa Pinto Garcia Sant’Anna Junior Minority Shareholders elect 2 members to the Board of Directors.

Adriano Cives Rafael Andréas Ramiro Silveira João Verner Eduardo Rodrigues Jorge Luís Seabra Weber Severo Juenemann Macluf Tonetto The Fiscal Council is composed by 5 members (with equal number of Chairman alternate members) must have higher education level and experience.

Member elected Member elected Independent Independent Independent by preferred by minority member member member shareholders shareholders Owners of preferred shares and minority shareholders elect 2 members to the Fiscal Council Independent members

Eligibility and Risk Committee Audit Committee Compensation Committee Other Committees

Comprised of at least 3 and Composed of 3 members Composed of 3 members, at most 5 members elected by the Board of residing in the country with Banrisul has other 15 Institutional Presentationappointed and removable by Directors in the first education standards and committees assisting the the Board of Directors at any meeting held after the technical skills according to Executive Board. time. Ordinary General Meeting. the duties of the position. BANRISUL . 3 Q 2 0 2 0 Board of Executive Officers

Cláudio Coutinho Mendes Irany de Oliveira Marcus Vinícius Jorge Fernando Sant’Anna Junior Feijó Staffen Krug Santos CEO Deputy CEO and Risk and Financials and Investor Information Technology Controls Officer Relations Officer and Innovation Officer

InstitutionalRaquel Presentation Santos Carneiro Fernando Postal Claíse Müller Rauber Osvaldo Lobo Pires Suzana Flores Cogo

Institutional Officer Distribution and Retail Products, Segments and Digital Credit Officer Administrative Officer Commercial Officer Channels Officer BANRISUL . 3 Q 2 0 2 0 Banrisul Group Companies

Subsidiaries

Banrisul Cartões Banrisul Corretora Banrisul Consórcio Banrisul Armazéns Gerais Banrisul Seguridade Acquirer of the payment Intermediary with in spot, Manages consortium It acts as a Bonded Focus on maximizing the means sector with wide options, term, future and fixed groups for the acquisition Warehouse and Certified distribution of Insurance, coverage of establishments income markets through of automobiles, trucks, Bonded Warehouse / dry private pension and in Rio Grande do Sul. Tesouro Direto motorcycles, real estate port capitalization products and services.

Affiliated

Rio Grande Seguros e Previdência Bem Promotora Rio Grande Capitalização VG8JV Tecnologia S.A. Operates exclusively into Acts as originator of payroll Offers savings bonds Offers integrated payment Banrisul’s distributions channels loans offered to INSS retirees through the Bank’s solutions to shopping centers offering life insurance and private Institutional Presentation and pensioners and federal distribution channels located in its operating area pension plans products. civil servants with exclusive rights.. throughout the national territory.; BANRISUL . 3 Q 2 0 2 0 Corporate Governance

Other Policies Aligned with Good Market Prevention Program for Money Interest on Equity and Practices Laundering Fighting and Financing Dividend Policy of Terrorism Annual Financial Statements Transparent Shareholder Disclosure in International Standard Remuneration Policy regarding Establishes mechanisms, IFRS / IASB the distribution of dividends and procedures and rules that guide Security Trading / or payment of interest on the performance of employees in equity, always observing the conducting business, in order to Anti-corruption 100% tag along for all Company's capital structure Banrisul shares prevent the occurrence of operations related to these illegal Related Party Transactions acts in the institution 50.61% Free float Banrisul has suspended the quarterly payment of Interest on Indication and Succession These principles cover all Equity during the year of 2020 , Banrisul Group companies in attendance to the CMN Capital and Corporate Risk Resolution of disputes or Resolution No 4820/20 Management controversies by the Market Arbitration Chamber

Institutional Presentation Code of Ethics and Conduct BANRISUL . 3 Q 2 0 2 0 Banrisul listed shares

Listed at Level 1 of B3 Corporate Governance since 2007

Foreigners are 23% of the total base and 46.4% of the Free Float

Average daily trading financial volume of R$30.8 mm 1 PN ON

1 2,7 MM average daily trades shares 98.13% of Voting More than 80,000 individuals in our shareholder base Capital

Banrisul is present in seven of B3’s listing indexes Institutional Presentation

1 2Q2020 BANRISUL . 3 Q 2020 Sustainability

Signatory to the UN Global Pact Aligned to UN’s Sustainable since 2013 Development Goals Local Communities-Oriented Sustainable Actions

Agricultural seeds distribution to farmers, schools, quilombolas and indigenous people.

Personal and Professional development of Young people from 16 to 19 years.

Institutional Presentation Aims to minimize damages caused to the environment and to enhance social inclusion. BANRISUL . 3 Q 2020 Human Resources

Relation with Employees Qualification Employees Profile

2.574* improvement and 55% men and 45% women, being that 33% of leadership and Banrisul hires employees qualification courses top management functions are occupied by women through public contest + 37 thousand Teams with presential work participations regime and home office IT professionals correspond to 13% of employees, Around 257 hours of approximately - distinguished career framework and low health advisory from Moinhos professional qualification turnover de Vento Hospital to help per employee define the protocols for preventing Covid-19. Encouragement of 10.216 10.187 qualification of employees Equity of opportunity and by offering partial professional development subsidies to college and post-graduation courses . *9M2020 1.766 1.649

Institutional Presentation jun/20 set/20 jun/20 set/20

Employees Interns BANRISUL . 3 Q 2 0 2 0 Awards

Banrisul is highlighted in Banrisul is one of the largest Banrisul and Rio Grande the Estadão Empresas companies in the South Region - Seguros are highlights in Mais case. ranking 500 Largest in the South national ranking Valor 1000. from Grupo Amanhã.

Banrisul's IT Banrisul Stock Fund Banrisul is a leading Institutional Presentation Infrastructure wins 2019 was highlighted in brand as a public Banking Report Award. Valor Investe survey company and bank in RS. BANRISUL . B u s i n e s s S t r a t e g y

Diversified P o r t f o l i o

C u s t o m e r B a s e

3 Q 2020 Individuals Business P a y r o l l L o a n s Strategy Afinidade Space C r e d i t to C o m p a n i e s

Agribusiness C r e d i t L i n e s

B a n k i n g F e e R e v e n u e s

V e r o

D i g i t a l Transformation Institutional Presentation M a r k e t S h a r e BANRISUL . 3 Q 2 0 2 0 Business Strategy

As for companies, the focus is The focus of commercial The diversification of the on offering of credit products for In relation to earmarked credit activity in the individual service fees portfolio as a way collateralized working capital, lines, the Bank promotes segment prioritizes, within the of generating revenues for the investments in sustainable agricultural loans for funding, public sector, particularly Institution is an important projects, advancement of investment, marketing payroll credit lines offered to factor for covering fixed costs. receivables, receivable-backed and industrialization of civil servants and INSS retirees, Thus, the Bank focuses efforts working capital lines and agricultural goods, serving as well as the to improve on products such as credit credit cards, as well as the family farmers, medium-sized relationship with self employed cards, acquiring network, supply of acquiring equipment producers, business farmers professionals, young public and consortium and insurance, by Vero and services such as and rural cooperatives. high net-worth customers. collection, payroll increasing the number of management and general products used by its customers. management of electronic

payments. Institutional Presentation BANRISUL . 3 Q 2 0 2 0 Diversified Portfolio

Credit Cards Personal Working Real State Agribusiness Payroll Loans and Exchange Loans Capital Lines Loans Credit Lines Banricompras

Time and Insurance, Long-Term Saving Investment Pension Plans Acquiring Receivables Consortium Loans and Deposits Funds and Saving Network Discount Leasing

Accounts Bonds Institutional Presentation BANRISUL . 3 Q 2020 Customer Base

Customer Base – Total Milhões

4,39 4,26 4,25 4,31 4,28

Companies

Individuals Institutional Presentation BANRISUL . 3 Q 2020 Individuals

Credit Portfolio Individuals

R$ Billion

21,7 20,5 21,6 21,3 21,4 Payroll Loans

Other Credit to

Individuals Institutional Presentation BANRISUL . 3 Q 2020 Payroll Loans

R$ Milllion 16.892,4 16.314,0 16.001,1 16.082,8 186,5 15.537,8 234,1 350,1 293,7 411,9 Sep 2019

6.583,4 5.751,5 5.809,9 6.075,3 5.457,2

9.668,7 9.899,6 9.979,3 10.004,6 10.122,5 Sep 2020

set/2019 dez/2019 mar/2020 jun/2020 set/2020

Institutional Presentation With Customers Correspondent National Social Security State Servants County Servants Federal Servants Other BANRISUL .

3 Q 2020 High-net- worth customers

Banrisul has been expanding and opening new Afinidade spaces, created specifically to serve this high-income public

 Differentiated Hours of Attendance

 23 Afinidade Spaces

 Exclusive Products and Services

 Specialized and skilled professionals Institutional Presentation BANRISUL . 3 Q 2020 Companies

Support to Entrepreneurship

We offer complete financial solutions for companies of all segments and sizes.

Credit modeling and risk analysis focusing on retail customers

Commercial Credit Direct Credit Services Lines Lines

Working Capital Credit Line Sustainability Credit Lines Business Cards Guarantee Accounts Banrisul Fomentation Digital Certificate Real Guaranteed Operations Automatic BNDES Lines Consortiums Receivables Discount Small Companies BNDES Billing of banking bills Payroll Financing FINAME Payroll Compror/Vendor FINAME – Renewable Energy Insurance

Microcredit Real Estate Vero Solutions Institutional Presentation 3Q2020 Bring new technologies Rural Credit to Farmers

Strengthen partnerships with all participants in the production chains, increasing AGRO is our Business competitiveness Banrisul has a Strong presence in agribusiness Contribute to the economic development of Promote the State, by fostering Agribusiness agribusiness in sustainability and partnership productivity BANRISUL . 3 Q 2020 2 T2020 2020/2021Plano Harvest Safra Plan2020/2021

Resources by customer category: Annual Growth

4,1 R$ Billions R$800 million 3,25 FAMILY PRODUCERS

2,3 R$635 million

DELIVEREDREALIZADO MEDIUM-SIZE PRODUCERS 97% 97% R$2.67 billion BUSINESS FARMERS AND RURAL, 2018/2019* 2019/2020 2020/2021 COOPERATIVES AND COMPANIES

Institutional*: Presentation Rural credit Portfolio in jun/19 BANRISUL . 3 Q 2 0 2 0 Banking Fee Revenues

Rede Vero Insurance, Pension Plans and Consortiums Banrisul Investment Funds Capitalization

R$4.2 billion in Total R$12.3 billion in Financial Volume of R$21.2 Volume Assets under 1 Growth of 18.3% billion of Credit Letters 1 Management 1 1 14.6% share of the Personal 222 million transactions 67.8 thousand 97.4% of assets are Insurance market in RS 1 consortium members into Fixed Income Funds and 2.4% 153 groups into Variable Income Funds R$367.4million in credit for the acquisition of 36.7% of AUM consumption assets 1 came from Pension Institutional PresentationBanricard revenues Exclusive product sales in Plans R$1 billion 1 Banrisul’s distributions channels 7.7 contemplations 1 Managements 1 9M20 BANRISUL .

3 Q 2020 Technological Modernization

Banrisul's technological modernization process is focused on:

 Digital Transformation

 IT Infrastructure

 Security of Information

In 9M20, Banrisul invested R$259.2 million in

technological modernization Institutional Presentation BANRISUL . 3 Q 2020 Digital Transformation

Aiming to harmoniously integrate business strategies with technological possibilities DESTAQUES:

The rapid migration to the work from home model Launching of Vero Wallet, allowed the continuity of work on new products and the Banrisul’s digital portfolio . evolution of existing solutions.

Altering the assigned credit card limit on App and implementing a Continuity of the dissemination of agile culture new investment solution. within the corporate environment, in the same way that it

has continued to evolve in the modernization of Agrofácil, system which expedites processes in technological processes and tools, fundamental for gains of agricultural credit products.

Institutional Presentation scale in the development of digital products. BANRISUL .

3 Q 2020 Adoption of Agile digital models Methodologies

Agile End-to-End methodologies Journey

Customer

centered Institutional Presentation BANRISUL .

3 Q 2020 IT Infrastructure

 renewal of contract with the company specialized in field answering related to IT  Addition of about 300 mobile phone lines to streamline work-from-home solutions for employees  Renewal of about 80% of no-break equipment in use at branches  Acquisition of 1,776 batteries for the -no-

breaks in the same network. Apresentação Institucional BANRISUL . 3 Q T 2 0 2 0 Security of Information

Banrisul is making several contributions and improvement  Improvement in security suggestions to the building of SPI - Brazilian Instantaneous mechanisms related to Payment ecosystem, Selected by Febraban to be the employees internal accesses sector’s representative in the Information Security control; Sub commission.  Increasing the continuous processes for the evaluation Banrisul participates as member of the working group of vulnerabilities dedicated to quickly implementing and testing the standards  several actions for of the UK’s Open Banking Implementation Entity (OBIE).  information security to its

employees Institutional Presentation BANRISUL .

3 Q 2020 Digital Channels

In 9M20, digital channels had 260.9 million accesses, 33.8% higher than in 9M19, with and average of 966.4 thousand daily accesses. Number of operations increased 11.5% Digital Chanel Transactions

76.20% 67.62% 66.64% 62.87%

76.2% of +50% of these transactions were transactions were made through made through digital channels in Banrisul Digital 9M20

App 2018 2019 9M2019 9M2020 Institutional Presentation BANRISUL . 3 Q 2 0 2 0 Market Share

Time Deposits 40.0% 2.9%

Demand Deposits 22.2% 1.1%

Credit Operations 19.2% 1.0%

Savings Deposits 12.4% 1.1%

Number of Branches 31.4% 2.6%

Rio Grande Institutional Presentation Brasil Última informação do Sul disponível: March/2020 BANRISUL . 3 Q 2020 RS Market Share Tracking

40,0%

22,2%

19,2%

12,4% Institutional Presentation Time Deposits Demand Deposits Credit Operations Saving Deposists BANRISUL . Profitability

NIM and NII

Banking Fees

3 Q 2020 A s s e t s Financial F u n d i n g Summary C r e d i t P o r t f o l i o P r o v i s i o n

Credit Quality

Time Deposits and Non - earmarked Credit

Interest on Equity and Dividends

Basel Ratio Institutional Presentation R a t i n g s BANRISUL . 3 Q 2020 Profitability

Adjusted Net Income Adjusted ROAE R$ Million

18,4% 15,3% 16,3% 918 13,0% 8,2% 5,9% 5,7% 495 356 292 258 120 118

3Q19 4Q19 1Q20 2Q20 3Q20 9M19 9M20 Adjusted ROAA

Revenues 9M20 1,8% 1,5% 1,5% 1,2% 0,8% 0,6% 0,5% Financial Intermediation

Fees Institutional Presentation Other BANRISUL . 3 Q 2020 NIM and NII

NII– Credit and Treasury 6% 6% 4% 3%

R$ Millions 94% 94% 96% 97% 100%

1.435 1.393 1.262 1.299 1.240 Credit NII Treasury NII

NIM on Profitable Assets

17,04% 16,37% 14,75% 15,32% 15,10%

8,10% 7,85% 6,99% 6,95% 6,37%

0,94% 0,85% 0,51% 0,36% -0,04% Institutional Presentation

NIM Credit NIM Treasury NIM BANRISUL . 3 Q 2 0 2 0 Banking Fees

5% 4%1%

12% R$ Million

9M2020 49% 1.512,5 1.434,1 29%

4% 4%

15%

520,2 530,0 504,2 457,7 472,1 9M2019 44%

3Q2019 4Q2019 1Q2020 2Q2020 3Q2020 9M2019 9M2020

33% Institutional Presentation Banking Services Card-Related Fees Insurance Consortia Management AUM BANRISUL . 3 Q 2020 Assets

80.637,6 81.549,6 83.270,0 86.582,8 90.167,2 7,2% 7,5% 7,6% 7,2% 7,7% 8,0% 8,4% 8,4% 15,0% 14,9%

40,9% 34,8% 33,2% 42,9% 43,7%

43,0% 44,4% 43,5% 41,5% 40,2%

set/19 dez/19 mar/20 jun/20 set/20

Credit Operations Treasury Compulsory Others Institutional Presentation BANRISUL . 3 Q 2020 2.970,4 1.055,4 2T2020 3.083,4 4,7% 1,7% 4,9% Funding 3.208,3 5,1%

10.282,0 16,3% 42.408,2 67,3%

 Pulverized Funding, grounded on its 2.720,1 171,8 recognized retail banking DNA in the 3.299,2 0,3% 5,8% 4,8% 2T2019 Southern Region of 2.222,1 3,9%  Average Funding Cost (Time Deposits) - 91% of CDI 38.921,5 9.366,6 68,6% 16,5%  Banrisul did not use pandemic-linked emergency liquidity lines made available by BCB – LFG/DPGE

Dep. À Prazo Poupança Bonds Institutional Presentation LCI/LFs Dep. Á Vista Outros BANRISUL . 3 Q 2020 Credit Portfolio

Total Portfolio Individuals

Other 4.480,7 21,0% Other 1.409,8 4.6% Payroll Loans 16.892,4 Individuals 79,0% 21.373,1 Real Estate 58,9% 4.122,9 11,4%

Companies Companies 6.173,0 Other 17,0% Rural 1.680,0 3.178,9 27,2% 8,8% Working Capital 4.493,0 72,8% Institutional Presentation R$ Million BANRISUL . 3 Q 2020

Provision for Expected Loan Losses Provision

R$ Million 40.000,0 8,3% 36.182,7 36.185,8 35.965,9 36.257,7 25,0% 7,9% 7,6% 7,8%

35.000,0 34.647,1 7,8%

20,0%

30.000,0

25.000,0 3,5% 15,0% 2,8% 3,4% 3,4% 20.000,0 2,9%

10,0% 15.000,0

10.000,0

5,0%

5.000,0 2.722,0 2.764,3 2.812,5 2.982,3 2.813,3 Sep-19 Dec-19 Mar-20 Jun-20 Sep - 20

0,0 0,0% NPL > 90 days Total Provisions/ Loan Book set/2019 dez/2019 mar/2020 jun/2020 set/2020 Total Credit Portfolio Total Provisions 276,4% Provision Expenses for Expected Loan Losses 226,7% 230,4% 234,3% 260,4%

R$ Million 1.100 929 87,9% 88,7% 88,8% 88,0% 88,0%

484 349 Institutional Presentation 265 297 319 Sep-19 Dec-19 Mar-20 Jun-20 Sep - 20 Normal Risk (AA to C) Cover Ratio > 90 dias 3Q2019 4Q2019 1Q2020 2Q2020 3Q2020 9M2019 9M2020 BANRISUL . 3 Q 2 0 2 0 Credit Quality

Concentration Rating

5,4% 5,4% 11,7% 4,3% 13,0% 4,3%

20,0%

23,5% 51,7%

48,0%

AA A B C D E F G H

AA A B C D E F G H Main Debtor Next Top 10 Next Top 20 Next Top 50 Next Top 100 Other

Institutional Presentation 88.8% of the portfolio is made of AA, A, B and C ratings. BANRISUL . 3 Q 2020 Time Deposits and Non-earmarked Credit

Time Deposits Non-earmarked Credit

22,50% 32,19%

Individuals Individuals Companies Companies 77,50% 67,81% Diversified Portfolios, with low concentration 6% 3% 6% 4% 3% 2%

10 biggest 10 biggest 11th to 50th 11th to 50th 51th to 100th 51th to 100th Others Others

Institutional Presentation 87% 88% BANRISUL . 3 Q 2 0 2 0 Interest on Equity and Dividends

Distribution of 25% of net income for each fiscal year to Interest on Equity and Dividends shareholders as dividends or interest on equity R$ Million 375

Banrisul's Board of Directors may recommend that its Shareholders approve the distribution of dividends in excess of the mandatory amount 101

Banrisul has suspended the quarterly payment of Interest on Equity for 2020, in compliance to CMN Resolution No. 4820/20

Since 2013, uninterruptedly, Banrisul is part of IDIV – Dividends Index, whose portfolio

is composed by assets that have been highlighted in terms of investor remuneration Institutional Presentation BANRISUL . 3 Q 2020 Solid capital Basel Index structure, with comfortable levels of liquidity

16,2% 15,1% 15,1% 16,0% 16,2%

1,3% 0,8% 0,8% 1,3% 0,8%

14,9% 15,2% 15,4% 13,8% 14,3%

Institutional Presentation Total

Tier I Tier II 53 BANRISUL . 3 Q 2020 Ratings

Issuer Credit Rating Local Currency – Baseline Credit Escala Global BB- Long Term IDR BB- Assessment (BCA)) ba3

Issuer Credit Rating Long-Term National Deposits – National Escala Nacional brAA+ Scale Rating A+(bra) Scale Rating (NSR) A1.br/BR-1

Outlook Estável Long Term IDR Negativa Outlook Estável

Outlook Institutional Presentation Institutional Presentation Investor Relations

janeiro 2040