Banco do Estado do Rio Grande do Sul S A : Institutional Presentation 4Q22

Institutional Presentation 4Q22

Investor Relations Department

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Disclaimer

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 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 prior notice.

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1 CorporateProfile

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Leading Bank in South of Brazil

49.1

billion in lending

4Q22

Complete range of Products and Services offered in

a ready-to-scale digital platform

A

495 branches

945 correspondents

1,063 service stations

8,658 employees

4.3

Million customers

billion in loans

portfolio

113.2

Billion in assets

A diversified and fast-growing loan portfolio with favorable asset quality dynamics

B

Abundant and pulverized retail funding base with attractive cost

C

Clear strategy to achieve our potential on our core

business

D

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A. Complete range of Products and Services…

Wide Variety of Financial Products and

Revenue Breakdown²

Services

Exchange

4%

Consumer Loans

Payroll Loans

Working Capital

Real Estate

Credit Cards

Rural Loans

13%

Loans

and

Banricompras

R$15.7 bn

Time Deposits

Investment

Consortium Insurance, Pension

Acquiring

Advance

Long Term Credit

and Savings

Platform

and Capitalization

Services

Payments of

Lines and Leasing

Receivables

83%

4Q22

Financial Intermediation

Services and Fees

Other Revenues

Credit Portfolio¹		Services and Fees²
Individuals	Corporate	Acquiring and	Insurance	Other
Loans	Loans	Card issuing	Businesses
R$20.1 bn	R$7.0 bn	R$374.4 mm	R$2.6 bn	+1.5 mm
Payroll Loans	Working	Vero Net Income	Gross Written Premiums	Digital Users
	Capital	+1.2 mm
R$5.0 bn	R$1.9 bn	R$150.5 mm	81.8%
Other Credit	Other Corporate	Credit Card Issued	Net Income	Digital Transactions
Products	Loans

¹ As of dec/2022 ² Jan to Dec/2022	5