4Q22 ResultsPresentation

I N V E S T O R R E L A T I O N S D E P A R T M E N T

Agenda

1 2 3

Our

Our

Appendix

Highlights

Performance

2

Banrisul in 2022

Rebranding

new brand

new concept

+ humane

+ inclusive

+ present

+ innovative

+ collective

+ sustainable

1 Expected to leave between April and August 2023.

People

Optimization

of the workforce

  • 1,625

10,283

9,280

9,002

8,658

Dec-19

Dec-20

Dec-21

Dec-22

VoluntaryTermination

Program

511 employees1

Staff renewal via new selection processes

274 positions

1,335 positions

IT banking

ESG

100%

neutralization

of direct and energy emissions of 2021

Purchase of

+

Renewable

CreditsCarbon

CertificatesEnergy

IREC

Transition to the use of

energyfrom

renewablesources

covering

100 branches

Gold Seal

2021 Greenhouse Gas

Inventory

GHG Protocol

3

Loan Portfolio

Loan Portfolio Balance

▲19.7

49.1

47.4

Credit Underwriting

R$ Billion

42.4

44.6

3%

41.0

11%

37.6

38.7

36.2

36.0

36.6

16%

4%

11%

18%

7%

17%

60%

52%

Dec-19Jun-20Dec-20Jun-21Sep-21Dec-21Mar-22Jun-22Sep-22Dec-22

Individuals Companies Rural Real Estate Other

Main Growth Drivers

R$ Billion

▲3.1%

43.7 45.0

2021 2022

▲64.6

2022 vs 2021

Rural

▲15.2

2022 vs 2021 Companies

▲33.4

2022 vs 2021 Real Estate

▲39.8

2022 vs 2021

Foreign

Exchange

Individuals

% Change

YoY

QoQ

Payroll Loans

8.9%

-1.3%

Consumer Loans

40.4%

8.8%

Companies

% Change

YoY

QoQ

Working Capital

27.7%

5.9%

Debt Accounts

14.7%

-7.3%

Rural and Real Estate

% Change

YoY

QoQ

Rural

62.9%

17.4%

4

Real Estate

19.0%

2.1%

Rural Credit

Rural Credit Portfolio

R$ Million

▲62.9%

7,880

4,837

By Type of Financing¹

3.5%2.3%

27.9%

66.2%

Cost

Investment

Commercialization

Industrialization

By Farmer

Category¹

42.3% 20.6%

37.1%

Pronaf

Pronamp

Other

Asset Quality

0.31%

NPL > 90d

Dec/22

1 Breakdown of the Balance of the Rural Credit Portfolio in December/22.

Crop Plan 2022/2023

R$ 7 billion

66%

in credit

Granted

5

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Disclaimer

BANRISUL - Banco do Estado do Rio Grande do Sul SA published this content on 16 February 2023 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 16 February 2023 12:38:04 UTC.