OVERVIEW 3Q17 1. HISTORY 2. SHAREHOLDER BASE 3. OWNERSHIP STRUCTURE 4. CORPORATE GOVERNANCE STRUCTURE VOTORANTIM S.A. BANCO DO BRASIL.

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1 OVERVIEW 3Q17 1. HISTORY 1991 Beginning of operations as a multiple bank 2002 Nassau Branch 2007 Expansion of Investment Bank, payroll loan and credit cards 2015 Promotiva S.A. (payroll loans origination to Banco do Brasil FOCUS ON TREASURY NICHE BANK DIVERSIFICATION OF PORTFOLIO PARTNERSHIP WITH BANCO DO BRASIL 2000 Opening of Votorantim Asset Management 2003 Beginning of operations in auto finance 2009 Beginning of strategic partnership with Banco do Brasil 2. SHAREHOLDER BASE VOTORANTIM S.A. BANCO DO BRASIL One of the largest privately-held industrial groups in Latin America, founded in 1918 R$6.7 billion revenues and R$ 1.3 billion EBITDA in 3Q17 Market leader among its diversified portfolio: - Pulp: the global largest pulp producer (Fibria) - Cements: Top 10 global player (Votorantim Cimentos) - Metals: Top 5 zinc producer in the world; #2 in Brazil in aluminum (Votorantim Metais) - Oranje Juice: the largest orange juice producer in the world (Citrosuco) More than 47,000 employees Ratings: Ba2 (Moody s) / BB+ (S&P) / BBB- (Fitch) Largest FI in Brazil, 200+ years old, and global presence in 24 countries R$ 7.9 billion net income and 10.4% ROAE in 3Q17 Market leader in: - Agribusiness Loan: R$ 180 billion (59% market share) - Payroll Loans: R$ 63 billion (22% market share) - AuM: R$ 852 billion in assets under management - Total Assets: R$ 1.4 trillion 101,000 employees Ratings: Ba2 (Moody s) / BB (S&P) / BB (Fitch) 3. OWNERSHIP STRUCTURE Total: 50.00% Voting: 50.01% Non-voting: 49.99% Total: 50.00% Voting: 49.99% Non-voting: 50.01% 4. CORPORATE GOVERNANCE STRUCTURE Statutory EQUAL REPRESENTATION OF EACH SHAREHOLDER FISCAL COUNCIL AUDIT COMMITTEE COMPENSATION & HR COMMITTEE BOARD OF DIRECTORS EXECUTIVE BOARD FINANCE COMMITTEE

2 5. STRATEGY DIVERSIFIED BUSINESS PORTFOLIO R$ 57.5B Consumer Finance AUTO FINANCE To focus on used cars (multi-brand dealers) To originate portfolios with quality, scale and profitability Innovation and digital transformation R$ 30.1B R$ 34.9B OTHER BUSINESSES Payroll loans Credit Card Insurance Student loans Individual loans Home Equity Solar Energy Promotiva S.A. R$ 4.9B CORPORATE BANK Corporate bank: growth (R$ 300M ~ R$ 1.5B) - Leverage customer base - Increase spread and cross-sell Large Corporate: profitability (> R$ 1.5B) R$ 22.5B Wholesale WEALTH MANAGEMENT Asset Private Expanded Credit Portfolio 6. EXPANDED CREDIT PORTFOLIO (R$B) FOCUS ON PROFITABILITY (VS. ASSET GROWTH) Consumer Finance Credit Cards Payroll Auto finance Wholesale Wholesale DEC/16 MAR/17 7. WHOLESALE HAS A DIVERSIFIED CREDIT PORTFOLIO TOP 20 SECTORS ACCOUNT FOR 83% OF THE WHOLESALE CREDIT EXPOSURE Wholesale¹ - Sectorial concentration Sugar and Ethanol Financial Institutions Petrochemical Telecom Mining Retail Railways Agribusiness Eletricity Generation Government Oil & Gas Services Pulp and Paper Steel industry Residential Construction Electricity Distribution Textile industry Road Cargo Transportation Food industry Trading Agro Other sectors Total 1 Sept/16 Jun/17 Sept/17 R$M Part.(%) R$M Part.(%) R$M Part.(%) 1,996 4,133 1,575 1, , % 20.1% 7.7% 7.9% 4.2% 4.6% 3.8% 3.7% 2.9% 2.8% 1.4% 1.3% 1.0% 2.3% 1.6% 1.1% 16.1% 2,034 1,739 1,520 1, , % 10.6% 9.3% 9.3% 5.8% 5.6% 4.0% 3.4% 3.2% 3.0% 2.4% 1.3% 1.8% 1.9% 1.2% 1.2% 1.1% 17.4% 1,882 1,833 1,556 1, , % 11.2% 9.5% 9.1% 5.9% 4.9% 3.9% 3.6% 3.0% 2.7% 2.5% 2.4% 1.9% 1.9% 1.6% 1.5% 1.5% 1.4% 16.8% 20, % 16, % 16, % 1 Numbers exclude private securities and are net of credit provisions. Note: Does not consider application of Credit Conversion Factor of 50% in transactions relating to some specific guarantees provided.

3 8. CORPORATE BANK EXPANDED CREDIT PORTFOLIO (R$B and %) Loans 2 Guarantees provided Private securities 1 Onlending (BNDES) Financ Export / Import Other 3 1 Includes debentures and promissory notes; 2 Includes export credtir notes, working capital and Loan Offshore; 3 Rural Financing and Advances on Exchange Contracts. 5.1 (20%) Expanded credit portfolio R$ 22.5B (29%) 8.5 HIGHLIGHTS AND STRATEGY Grow in Corporate bank (R$ 300M to R$ 1.500M) Increase profitability in Large Corporate (ex: unfunded) Diversified portfolio of wholesale products Discipline in capital allocation and risk management Explore competitive advantages - Agility and flexibility - Sectoral expertise - DCM distribution 9. AUTO FINANCE AUTO FINANCE ORIGINATION (R$ BILLION) Other Vehicles Q17 /3Q16-4.9% Used cars % 3Q16 2Q17 3Q17 Production rate Average term Down payments % % used cars/ cars portfolio (%p.y.) 44 (months) Among market leaders in auto financing, with the following advantages: Capillarity: presence in ~18,000 car dealerships nationwide Agility: 87% of proposals with automatic credit decision Expertise: continuous improvement of management tools (pricing, credit, collection etc.) Long-term relationship: first access to customer record 10. CARS - AUTO FINANCE ORIGINATION BY CHANNEL (R$B) AND FIRST PAYMENT DEFAULT BY VINTAGE INAD 30¹ (%) TRIGGER (2%) New cars dealers Multi-brand dealers Inad 30¹ (by vintage) 1.3% SEPT/14 MAR/15 SEPT/15 MAR/16 MAR/17 ¹ % of each month s production with first installment past due over 30 days

4 11. WEALTH MANAGEMENT & SERVICES ASSETS UNDER MANAGEMENT (R$ BILLION) ASSET MANAGEMENT Focus on high value-added structured products Synergies with BB: R$ 4.5B AuM of partnership funds - BB Votorantim Highland Infraestrutura (FIDC) BB Progressivo II (FII) BB Renda Corporativa (FII) BB Votorantim Energia Sustentável (FIP) th 9 th ANBIMA RANKING 9 th PRIVATE BANK Focus on High and Ultra High clients (assets > R$ 25M) Integrated wealth management through differentiated and customized solutions 12. CREDIT INDICATORS 90-DAY NPL / MANAGED LOAN PORTFOLIO 5.5% 5.5% 4.5% 4.4% 4.1% TOTAL 5.5% 5.5% 5.2% 5.2% 4.8% CONSUMER FINANCE 5.2% 5.1% 4.8% 4.7% 4.3% AUTO FINANCE 5.3% 5.6% WHOLESALE 2.6% 2.3% 2.1% DEC/16 MAR/17 90-DAY COVERAGE RATIO 1 153% 158% 165% 140% COVERAGE RATIO 127% 3,267 2,567 3,684 2,638 3,245 3,257 2,120 2,065 3,218 1,947 DEC/16 MAR/17 ALL BALANCE (R$M) 90-DAY NPL BALANCE (R$M) 1. Ratio between ALL balance and balance of operations past due over 90 days.

5 13. FUNDING & LIQUIDITY CREDIT ASSIGNMENTS AND BILLS REPRESENT MORE THAN HALF (R$ 32.8B) OF TOTAL FUNDING Other 1 Bills (LCA and LCI) Loans and onlendings Sub Debt Time deposits (CDs) Debentures (BV Leasing) Loans securitized to Banco do Brasil Bills (LF) High Quality Liquidity Assets HQLA (R$B) Liquidity Coverage Ratio (LCR) Pro Forma² 237% 284% Additionally, Banco Votorantim has a stand-by credit facility of ~R$ 7B from BB, which has never been tapped 1 Includes cash and interbank deposits; 2 Ratio of total high quality liquid assets (HQLA) and the total cash inflows for a 30 days period. Considers stand-by credit facility with Banco do Brasil. 14. BASEL RATIO & SHAREHOLDERS EQUITY SHAREHOLDERS COMMITTED TO MAINTAIN CAPITALIZATION AT APPROPRIATE LEVELS % 4.6% 11.2% 13.5% 3.2% 10.3% 14.6% 3.7% 10.9% TIER II TIER I Shareholders Equity (R$ B) Total Capital (R$ B) 15.RATINGS RATING AGENCIES INTERNATIONAL Local Foreign NACIONAL Local BRAZIL Sovereign rating Moody s Long-term Short-term Ba2 Ba3 Aa3.br NP NP BR-1 Standard Long-term BB braa- & Poor s Short-term B bra-1+ Ba2 BB

6 16. FINANCIAL HIGHLIGHTS NET INCOME (R$ MILLION) T16 4T16 1T17 2T17 3T17 Profitability of businesses Increase the operational efficiency Diversify the revenues NII AND INCOME FROM SERVICES AND INSURANCE (R$ MILLION) 1, , , , , INCOME FROM SERVICES AND INSURANCE NET INTEREST INCOME 1,210 1,258 1,211 1,222 1,323 3T16 4T16 1T17 2T17 3T17 CREDIT PROVISION EXPENSES (ALL) (R$ MILLION) WHOLESALE CONSUMER FINANCE 3T16 4T16 1T17 2T17 3T17 PERSONNEL AND ADMINISTRATIVE EXPENSES (R$ MILLION) PERSONNEL ADMIN. 3T16 4T16 1T17 2T17 3T % 35.1% Efficiency Ratio (12 months) More detailed information about Banco Votorantim can be obtained from the 3Q17 Earnings Release available