INDICATORS Credit Portfolio 34,647 36,183 36,186 Total Assets 81,550 83,270 86,583 FACT SHEET 1H20 Sep-19 Dec-19 Mar-20 Dec-19 Mar-20 Jun-20 CORPORATE PROFILE Credit Portfolio 36,183 36,186 35,966 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. Dec-19 Mar-20 Jun-20 Funding STRATEGY 59,501 60,285 63,011 Conservative, sustainable loan portfolio; profitability in line with industry. Retail lending oriented – individuals and SME. Leadership position in Rio Grande do Sul. Strengthen Banrisul’s relationship with public entities and consolidate its presence in the public sector. Dec-19 Mar-20 Jun-20 Invest in technology to reduce costs, obtain economies of scale, promote productivity and expand Shareholders' Equity the range of products offered. 7,794 8,069 8,219 OWNERSHIP BREAKDOWN Dec-19 Mar-20 Jun-20 State of Rio 98.1% ON Free Float 1.9% ON Grande do 54.5% PNA 45.5% PNA Sul 0,0% PNB 100.0 % PNB 49.4% Total 50.6% Total Banco do Estado do Rio BANRISUL’S SERVICE NETWORK Grande do Sul S.A. 1,117 Service Network 514 Branches Banrisul S.A. Banrisul S.A. Banrisul Banrisul 181 Service Posts Adm. Corretora de Armazéns Cartões S.A. Consórcios VM e Câmbio Gerais S.A. 422 Electronic Service Points 99.5% Total 99.8% Total 99.7% Total 98.9% Total Rio Grande do Sul: 491 Branches Santa Catarina: 17 Branches Other States: 4 Branches Bem Promotora Banrisul Icatu VeroGo Abroad: Miami and Cayman Islands de Vendas e Participações Serviços S.A. S.A. 49.9% Total 6.0% Total FACT SHEET | 1H20 49.9% Total CORPORATE GOVERNANCE INCOME Listed on B3 S.A. - Brasil, Bolsa, Balcão (Brazilian Securities and Derivatives Stock Exchange) Corporate 1H20 1H19 Change Governance Level 1, Banrisul fully meets the requirements of its listing level and other corporate governance’s requirements as Adjusted Net Income 377.3 625.6 -39.7% well, in line with best market practices, on behalf of greater NII 2,506.9 2,697.3 -7.1% transparency, fairness and proper accountability, while Operational Income 568.8 906.8 -37.3% 1 enhancing credibility of investors and customers. Pursuant to Efficiency Ratio 52.6% 51.4% 1,2 pp. CVM (Brazilian Securities and Exchange Commission) Instruction 2 Return on Equity 9.4% 16.9% -7,5 pp. No. 381/2003, Banrisul informs that KPMG Auditores Independentes was hired in 2016 as the result of a bidding process (Public Bid 586/2015), as established by the Public Procurement Law No. 8666, provided services related to independent audit during the 1H20. TECHNOLOGICAL MODERNIZATION Banrisul’s technological modernization process Revenue Composition includes the digital transformation trend, the expansion of IT infrastructure and has been increasingly committed to the Financial Fees and security of information. In 1H20, Banrisul invested R$182.5 Revenue Services million in technological modernization. In the first half of 79% 15% 2020, several actions were performed aiming to improve security mechanisms, such as those related to employees internal accesses control, as well as the increase in the continuous processes for the evaluation of vulnerabilities. Others 6% HUMAN RESOURCES Banrisul ended 1H20 with 10,216 employees, 45% female and 55% male, and 766 graduate and undergraduate interns. In the first half of 2020, corporate education had a participation of 35.0 thousand hours in on-site courses made available to employees and 79.5 thousand hours in distance BASEL RATIO learning courses, totaling 114.5 thousand hours of training. BUSINESS STRATEGIES 15.8% 16.2% 15.1% 15.1% 16.0% 1.5% 1.3% 0.8% 1.3% 0.8% The Company reinforces services to retail customers in the individual segment and expand the service to small and medium-sized companies. The focus of commercial activity in 14.9% 15.2% 14.3% 13.8% 14.3% the individual segment prioritizes, within the public sector, particularly payroll credit lines offered to civil servants and INSS retirees, as well as the to improve relationship with self- employed professionals, young public and high net-worth Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 customers. As for companies, the commercial drive is towards Basel Ratio Tier I Basel Ratio Tier II medium, small companies and micro-enterprises. CONTACT IR IGC IFNC Alexandre Pedro Ponzi Camilo Mahfuz Head of IR Eveline Balestro Emiliano Luís Klein IBRX IDIV Fernando Manica IR Manager Geisi Cosman ITAG IGCT SMLL IBRA Economic and Financial Indicators in R$ 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 | 1H20 2. Return on Equity – 12 months. .