Banco do Estado do Rio Grande do Sul Institutional Presentation Investor Relations janeiroJ u n e 2 02040 2 0 Covid-19 Institutional Presentation Corporate Profile This presentation contains forward-looking statements relating to the prospects of the business, estimates for operating and financial Business Strategy 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 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 Financial Summary 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 prior notice. BANRISUL . A c t i o n s 2 Q 2 0 2 0 Customer Support Covid-19 Renegotiated Credit Portfolio Digital Channels Apresentação Institucional BANRISUL . 2 Q 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 . 2 Q 2020 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 Q 2 0 2 0 Renegotiated Credit Portfolio R $ t h o u s a n d s Installments Contracts Renegotiated Installments - Individuals (%) Individuals Payroll Loans 188.047 36.633 Real State 63.658 10.731 Payroll Loans Consumer Loans 65.459 145.093 Vehicles 181.967 89 Real State Credit TOTAL 317.347 192.546 Companies Personnel Credit Corporate 124.72 358 Middle 54.50 2.062 0% 10% 20% 30% 40% 50% 60% 70% PMEs 59.496 23.528 BNDES (onlendings) 13.077 690 TOTAL 251.799 26.638 Renegotiated Installments - Companies (%) Rural Credit 94.746 997 Small Companies TOTAL 663893 220181 Middle Loans with renegotiated Corporate Renegotiated installments 1.2% Individuals installments correspond to Institutional Presentation1.86% of the total loan 3.9% Corporate approximately 14% of the portfolio BNDES Stand Still 3.9% Companies credit portfolio 0% 10% 20% 30% 40% 50% 60% BANRISUL . 2 Q 2020 Digital Channels In a scenario of social distancing, digital channels have become even more important, as they are the main channel of relationship between the Institution and the customers. ReleaseRelease of updatedof updated VersionVersion of Banrisulof Banrisul Digital app;Digital Increasingapp; limits for transactions using My Account, Affinity and Office App channels in the Banrisul Digital app; SchedulingIncreasing of Servicelimits atfor Branchestransactions using the usingapp; My “TalkAccount,-to-yourAffinity-Accountand-Manager”Office WhatsAppApp channels button forin customersthe Banrisul of theDigital Afinidadeapp segment.; 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 2 Q 2 0 2 0 Administrative Structure Corporate Management and Governance Committees Profile Board of Executive Officers Corporate Governance Banrisul listed shares Sustainability Human Resources Institutional Presentation A w a r d s BANRISUL . 2 Q 2 0 2 0 Corporate Profile Focusing on the efficiency of management, centering objectives on faster, simplified processes, improving IT infrastructure and Efficiency architecture, improving risk management and also adhering to best management practices. Following the path of transformation, through the implementation of new business models and new technologies, to maintain Transformation Banrisul’s competitiveness. The strength of its employees is key to achieve organizational success. To this end, the Bank has developed a challenging, agile Employees 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 . 2 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 Porto Alegre. 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 . 2 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, 2008 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 . 2 Q 2 0 2 0 Administrative Structure Institutional Presentation BANRISUL . 2 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 . 2 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