FACT SHEET 67,865 1H17 Jun-16 Mar-17 Jun-17
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INDICATORS Total Assets 70,503 68,890 FACT SHEET 67,865 1H17 Jun-16 Mar-17 Jun-17 CORPORATE PROFILE Credit Portfolio 29,800 30,540 30,905 Founded in 1928, Banco do Estado do Rio Grande do Sul S.A. is a multiple-service bank controlled by the State of Rio Grande do Sul, with strong penetration among the population of the state that strengthens its identity as a regional bank. Jun-16 Mar-17 Jun-17 Funding STRATEGY 44,259 46,695 48,203 Conservative, sustainable loan portfolio; profitability in line with industry Leadership position in Rio Grande do Sul. Strengthen Banrisul’s relationship with public entities and consolidate its presence in the public sector. Invest in technology to reduce costs, obtain Jun-16 Mar-17 Jun-17 economies of scale, promote productivity and expand the range of products offered. Shareholders' Equity 6,446 6,485 6,603 CORPORATE STRUCTURE Jun-16 Mar-17 Jun-17 State of Rio 99.6% ON Free Float 0.4% ON Grande do 77.3% PNA 22.6% PNA Sul 13.0 % PNB 87.0 % PNB 57.0% Total 43.0% Total BANRISUL’S SERVICE NETWORK Banco do Estado do Rio 1,226 Service Network Grande do Sul S.A. 532 Branches 200 Service Posts 494 Electronic Service Points Banrisul S.A. Banrisul S.A. Banrisul Banrisul Bem Banrisul Icatu Rio Grande do Sul: 491 Branches Adm. Corretora de Armazéns Cartões S.A. Promotora de Participações Santa Catarina: 26 Branches Consórcios VM e Câmbio Gerais S.A. Vendas e S.A. Serviços S.A. Other States: 13 Branches 99.7% Total 98.9% Total 99.5% Total 99.8% Totaltotal 49.9% Total 49.9% Total Abroad: Miami and Cayman Islands FACT SHEET | 1H17 CORPORATE GOVERNANCE LISTING INCOME Listed on B3 (Brazilian Securities and Derivatives 1H17 1H16 Change Stock Exchange) Corporate Governance Level 1, Banrisul Adjusted Net Income 367.5 389.6 -5.7% fully meets the requirements of its listing level and of NII 2,514.0 2,537.9 -0.9% market’s corporate governance requirements, in line Operational Income 485.0 667.4 -27.3% with best practices and for the sake of greater Efficiency Ratio1 52.1% 50.2% 1.9 pp. transparency, fairness and proper accountability, enhancing credibility towards investors and customers. Return on Equity2 11.6% 12.7% -1.1 pp. Since early 2008, the Bank has paid interest on equity quarterly, remunerating shareholders above minimum payout levels. From January to June 2017, Revenue Composition interest on capital and dividends paid out and/or provisioned totaled R$154.2 million (net of income tax Fees and Financial withheld at source). Services Revenue 14% 83% TECHNOLOGICAL MODERNIZATION Others Investments in hardware, software, services and 3% the acquisition and maintenance of assets totaled R$116.4 million in 1H17. IT strategies and Investments in the service structure aim to guarantee performance and easy access to banking products. BASEL RATIO HUMAN RESOURCES 16.77% 17.09% 16.95% 15.78% 15.67% 2.73% 2.77% 2.68% 2.32% 2.25% With 10,503 employees and 1,374 interns at the end of June 2017, Banrisul invested R$3.6 million in 794 training courses with 40,428 participants, of which 14.36% 14.09% 14.18% 13.46% 13.42% R$946.8 thousand in college and post-graduation programs and language courses. Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Basel Ratio Tier I Basel Ratio Tier II BUSINESS STRATEGIES GUIDANCE Banrisul's management processes and tools are constantly evaluated with a view to promoting Expected 1H17 Revised adjustments in business policies. In 1H17, the main Credit Portfolio 3% to 7% 3% to 7% guidelines included the planning of medium-term Commercial Credit - Individuals 14% to 18% 14% to 18% business strategies, improvements in credit granting Commercial Credit - Companies -10% to -6% -10% to -6% and collection processes, the expansion and the Real Estate Loans 1% to 5% 1% to 5% Provision Cost/Credit Portfolio 4.5% to 5.5% 4.5% to 5.5% consolidation of digital service channels, in addition to the control of administrative costs. Allowance for Loan Losses/Credit Porfolio 8.5% to 9.5% 8.5% to 9.5% Funding 10% to 14% 10% to 14% Ajusted Return on Shareholders' Equity 9% to 12% 9% to 12% Efficiency Ratio 49% to 53% 49% to 53% LISTING Net Financial Margin/Interest-Earning 7.5% to 8.5% 7.5% to 8.5% Assets IGC IFNC CONTACT IR IBRX IDIV Alexandre Pedro Ponzi Bibiana Barbosa ITAG IGCT Head of IR Felipe Guarise Cássio Zimmermann Fernando Manica MLCX IBRA IR Manager Economic and Financial Indicators in R$ Million. 1. Efficiency Ratio – 12 months. Personnel Expenses + Other Administrative Phone: +55 (51) 3215.3232 • E-mail: [email protected] Expenses/Financial Margin + Revenue From Services Rendered + (Other Operating Income - Other Operating Expenses). FACT SHEET | 1H17 2. Return on Equity – 12 months. .