FACT SHEET 1Q09 Company Profile Banrisul is a multiple-service bank that was founded in 1928 and is controlled by the state of Rio Grande do Sul. In the last 5 years, the Bank is one of the three most profitable of the largest Brazilian banks (measured based on total assets) based on return on shareholders’ equity. With over 1,156 stores, Banrisul has the largest banking network in the state of Rio Grande do Sul and believe that the Bank has the largest customer base of any bank operating in that state. Banrisul’s banking services are focused on the needs of retail customers, small- and medium-sized companies and public sector entities. Presence in Brazil Competitive Advantages Banrisul’s operations are focused in Brazil’s southern region, particularly Record of profitability and low cost of funding. the state of Rio Grande do Sul, a state that accounts for 7% of Brazil’s A service network with potential to generate new business and GDP and has a per capita income that is 14% higher than the national flexibility to expand our loan portfolio and explore new or under- average. The Bank has over 2.9 million account holders throughout served niche markets. the state with approximately 5.7 million demand and savings accounts (which represents approximately 70% of the state’s population with Strong presence and brand recognition in Brazil’s southern region, bank accounts). Banrisul owns the largest service grid in Rio Grande especially in Rio Grande do Sul. do Sul state, composed of 1,156 service points spread across 429 Solid financial performance evidenced by the quality of our assets branches, 278 service posts and 449 Banrisul Electronic points. Of the and our conservative lending policies. Longstanding relationship with total of branches, 397 are located in Rio Grande do Sul, 16 in Santa governmental entities. Catarina, 14 in the remaining Brazilian States and 2 abroad. Management model focused on results, accountability and commitment to transparency and operational controls. 1Q09 Credit Portfolio (%) Public Sector Private Sector 4.2% 0.9% 8.5% 1.6% 7.6% 46.2% 3.7% 36.5% General Individual Loan Private Sector Development and General Corporate Loan Public Sector Infrastructure Credit Development and Lease Infrastructure Credit Loan and Discounted Real Estate Loan Receivables Agribusiness Foreign Exchange 98.4% 53.3% Lease 0.5% 38.6% Focus on the South of Brazil Strategies Accelerate the growth of its loan portfolio in a prudent and sustainable manner while maintaining sound levels of profitability. Maintain its leadership position in Rio Grande do Sul. Strengthen its relationship with state governmental agencies and consolidate its presence in the public sector. Invest in technology to reduce costs, obtain economies of scale, promote productivity and expand the range of products offered. Corporate Structure 99.6% Common Shares State of Rio 0.4% Common Shares 70.5% Class A Preferred Shares Other Shareholders 29.5% Class A Preferred Shares 13.0% Class B Preferred Shares Grande do Sul 87.0% Class B Preferred Shares 57.0% Total 43.0% Total Banco do Estado BRSR6 do Rio Grande do Sul S.A. BRSR5 BRSR3 Banrisul S.A. Banrisul S.A. Banrisul Armazéns Banrisul Serviços Adm. Consórcios CVMC Gerais Ltda. NÍVEL 1 BM&FBOVESPA 99.6% Total 98.7% Total 99.5% Total 99.8% Total FACT SHEET 1Q09 Infrastructure and IT Corporate Governance Banrisul is committed to providing its clients with technologies that make By joining Level 1 of Corporate Governance of the São Paulo Stock Exchange their relationship with the Bank faster and safer. Therefore, it has invested (Bovespa), on June 21, 2007, Banrisul has furthered its commitment to R$42.5 million in hardware, software and asset maintenance in 1Q09. work for the socio-economic development of the state. The Bank undertook to adopt good practices of corporate governance, Corporate Responsibility disclose more and better quality information with greater transparency and fairness and seek relations based on ethics, thereby bringing greater Banrisul’s Corporate responsibility is based on the Bank’s concern about credibility to the stock market and, consequently, boosting the confidence socialenvironmental aspects. The Bank promotes social programs involving and willingness of investors to acquire its shares. education and health assistance, sports activities and the environment. In 1Q09, the Bank invested R$6.5 million in these programs. Among activities for the employees, the Women’s Health program stands out, partnering with the Breast Institute of Rio Grande do Sul State (IMAMA), which provided information to employees demystifying breast cancer. The main social and environmental initiatives were presented at the Encontro das Primeiras Damas (First Ladies Meeting) held simultaneously with the New 1Q09 Principal Financial and Administration Orientation Seminar hosted by Famurs. The celebration of Recycle Operating Indicators (R$ million) Banrisul’s 8th anniversary also included the public through the Natural Capitalism Lecture, the Grande Rio Grande Exhibit and JardinAção, which was responsible for Total Assets 26,501.5 taking nearly 1,200 people to Porto Alegre’s Botanic Garden. 25,205.4 The Bank’s contribution to providing the best training of youths for the job market it 21,630.1 continues with the beginning of the VI Group of the Projeto Pescar Banrisul (Banrisul Fishing Project), which involved 20 at-risk youths from southern Porto Alegre. 11,833.8 Total Credit 11,453.6 Basel Ratio (%) Portfolio 8,860.7 24.2% 19,422.9 20.1% Funding 19.1% 19,058.2 17,622.0 3,139.2 Shareholders´ 3,079.1 Equity 2,821.7 1Q08 4Q08* 1Q09* 0 10,000 20,000 30,000 * Calculated according to Basel II norms 1Q09 4Q08 4Q07 1Q09 Highlights (R$ million, except percentages, number of customers and banking services) 1Q09 1Q08 % Change Net Income Adjusted(1) 106.5 120.9 -11.9% Gross Profit from Financial Operations(2) 456.5 394.8 15.6% Income from Operations 158.7 169.2 -6.2% Efficiency Ratio(3) 55.3% 56.1% -0.8 p.p. Number of customers (million) 2.9 2.9 0.0% Number of banking services(4) 1,156 1,088 6.3% (1) 1H07 adjusted for the effects of deferred income tax and social contribution credits on temporary differences registered in March 2007, amounting to R$ 528.5 million. (2) Corresponds to the total of the Financial Income deducting the total of the Financial Expenses. (3) Efficiency Ratio: 12 - month period accumulation. Personal Expenses + Other Administrative Contact IR Department Expenses / Net Financial Margin + Services Providing Income + Subsidiaries Profit Sharing + (Other Operational Income - Other Operational Expenses. (4) Considering branches, banking services and automatic services. Alexandre Pedro Ponzi Telephone: +55 (51) 3215-3232 E-mail: [email protected].