4Q12 FACT SHEET COMPANY PROFILE PRESENCE IN BRAZIL: FOCUS IN THE SOUTHERN REGION

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1 FACT SHEET 4Q12 COMPANY PROFILE Founded in 1928, Banrisul is a multiple-service bank controlled by the State of Rio Grande do Sul, with a strong penetration among the population of the state that strengthens its identity as a regional bank. PRESENCE IN BRAZIL: FOCUS IN THE SOUTHERN REGION The geographic focus of the Bank is the Southern Region of Brazil, especially the state of Rio Grande do Sul, with the 4 th largest Gross Domestic Product (GDP) of all 27 states in Brazil and where Banrisul s headquarters is located. In the competitive environment, Banrisul held in September 2012, the 11th position in total assets among banks that comprise the financial system, 11 th in equity, 7 th place in total deposits and 7 th in number of branches, according to ranking published by the Central Bank of Brazil (BNDES not included).

2 COMPETITIVE ADVANTAGES FACT SHEET 4Q12 Profitability and low cost of funding. A service network with potential to generate new business and flexibility to expand Banrisul s loan portfolio and explore new or under-served niche markets. Strong presence and brand recognition in Brazil s southern region, especially in Rio Grande do Sul. Solid financial performance evidenced by the quality of our assets and our conservative lending policies. Longstanding relationship with governmental entities. Management model focused on results, accountability and commitment to transparency and operational controls. STRATEGIES Growth of Banrisul s loan portfolio in a prudent and sustainable manner while maintaining sound levels of profitability. Consolidate and 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. BANRISUL AT A GLANCE DECEMBER/2012 Service Network 1,301 Total Bank Services 468 Branches 251 Service Posts 582 Eletronic Sales Point Rio Grande do Sul 427 Branches Santa Catarina 26 Branches Other States 13 Branches Two Branches Overseas Miami and Grand Cayman

3 4Q12 CREDIT PORTFOLIO (%) 99.5% 0.5% Private Sector Public Sector PRIVATE SECTOR 1.7% 38.2% 0.3% 34.9% 5.4% 2.7% 9.3% 7.5% Commercial - Individuals Commercial - Companies Real Estate Financing Agribusiness Foreign Exchange Development Financing Leasing Credits Linked to Acquired Portfolio with Recourse Individuals (R$ Million) Companies (R$ Million) 7,398 5,655 8,079 5,987 9,252 6,774 5,732 4,193 7,191 5,437 8,446 6,494 4Q10 4Q11 4Q12 4Q10 4Q11 4Q12 Commercial Credit - Individuals Payroll Loans Commercial Credit - Companies Working Capital

4 CORPORATE STRUCTURE State of Rio Grande do Sul 99.6% ON 76.8% PNA 13.0% PNB 57.0% Total Market 0.4% ON 23.2% PNA 87.0% PNB 43.0% Total Mercado 0,4% ON Banco do Estado 23,2% do PNA Rio Grande do 87,0% Sul S.A. PNB 43,0% Total Banrisul S.A. Administradora de Consórcios 99.7% Total Banrisul S.A. Corretora de VM 98.9% Total Banrisul Armazéns Gerais 99.5% Total Banrisul Serviços Ltda. 99.8% Total Credimatone Promotora de Vendas e Serviços S.A. 49.9% Total

5 OWNERSHIP BREAKDOWN Voting Capital Main Controller: 99.59% of Voting Capital Banrisul Foundation 0.22% Free Float 0.17% State of Rio Grande do Sul 99.59% Social Security Institute of the State of Rio Grande do Sul 0.02% Total Capital Main Controller: 56.97% of Total Capital ON 50.1% PNA 0.9% PNB 49.0% State of Rio Grande do Sul 56.97%99,45% Free Float 42.83% Banrisul Foundation 0.15% Social Security Institute of the State of Rio Grande do Sul 0.05% GEOGRAPHIC DISTRIBUTION 98.9% Banrisul Shares and Shareholders December/ % Shares Shareholders 0.00% 0.00% 0.25% 0.02% 0.08% 0.02% 0.61% 0.03% 4.83% 0.14% 11.20% 0.50% 19.62% 0.38 Africa South America (except Brazil) Central America Oceania Asia North America Europe Brazil

6 TECHNOLOGY MODERNIZATION The investments in hardware, software and maintenance of assets totaled R$251.8 million in The priorities for the year covered the increased processing of capacity to support business growth, the completion of the deployment of the safety requirements of acquiring Banricompras Network project and enhancement of access controls and security improvements of technological environments. Among the IT infrastructure projects executed in 2012, the following stands out: replacement and expansion of capacity of mainframe computers, completion of facilities of microcomputer and operating system upgrade of the servers in the branch network, corporative storage using virtualization, implementation of service desk in the branches and administrative areas, and the Bank s membership, on a project pilot, in the channel Infovia RS, the local Broadband Plan to bring digital communication to the countryside of RS. The technology upgrade package included the renewal of operating systems, programming languages, databases and other software components. Other actions related to corporate systems were improvements in the process of acquiring and Banricompras environment, implementation of check clearing by image, introduction of new technology features in Correspondent Banking network, expansion of services in Home and Office Banking and ATMs, startup the Virtual Card project, for use on mobile devices, implementation of the Pay and Withdraw project and the migration of various systems for lower platform and intranet. Among the security enhancements, it is listed: the acquiring network, the Banrifone, Internet and Mobile Banking; issuance of VISA and MasterCard chip card to be used at Banco 24 Horas and Banrisul ATM network, and the use of Banrisul multiuse card for WEB authentication services offered by the state Department of Finance (SEFAZ/RS). The Bank obtained, in 2012, national and international recognition in safety and technology with the technical approval of Banrisul Multi use Card, as the first Brazilian banking card with the features withdrawal, debit, credit, access to internet banking and electronic signing of documents according to the rules of ICP-Brazil/LEA. The approval process by the LSI-TEC-USP had the support of the international companies MULTOS and INFINEON, provider of the operating system and chip manufacturer, ensuring the adherence of the level of security implemented in the chip card Banrisul to the standards required. It is also worth pointing out that Banrisul was granted, in February 2012, the IT & Government Award by the company Plano Editorial with the case Electronic Judicial Fees. In May 2012, we held the 5th edition of the Banrisul International IT Forum, focusing on Mobility and Security - the Challenges of Digital Convergence, which was attended by more than 2 thousand people. Currently, the Bank is part of the Febraban Working Group on Technology - CIP / SCG, responsible for defining and implementing the SCGII - Control System of Warranties, rules and systemic models for tracking transactions messages, which ensure the sustainable expansion of credit linked to card receivables.

7 CORPORATE GOVERNANCE Since July 2007 listed on BM&FBovespa SA s Corporate Governance Level 1, Banrisul meets the requirements of this level of listing and also requirements of other levels of corporate governance, in line with best market practices, on behalf of greater transparency, fairness and proper accountability, while enhancing credibility and the interest of investors and customers. Corporate governance practices create incentives and monitoring mechanisms, ensuring that the Banrisul s behavior is market oriented. They also confirm the interest in improving and strengthening relations with its controlling shareholders, the Board of Administration, Fiscal Council, Board of executive Officers, independent auditors, oversight bodies and other related parties and stakeholders. Such practices are important, especially in times of administrative changes such as occurred during the first semester of this year, yet without significant changes in Banrisul s business management, reinforcing its role as a state-controlled, market-oriented publicly held company. SUSTAINABILITY A company that looks ahead of its time cares to invest in socially responsible actions that encourage integration and strengthen awareness about the corporate role. Thus, Banrisul seeks to make its business practices rooted in sustainability practices that strengthen the continuity of the institution and the stakeholders with whom it interacts. In 2012, the sustainability policy was created, essential to boost the programs and actions of businesses committed to working sustainably. The sustainability policy first released in 2012 aims to establishing guidelines to guide the actions of Banrisul and its subsidiaries with regards to the promotion of sustainable development, seeking to balance business opportunities with social responsibility, issues of economic-financial and environmental aspect. Furthermore, the role of the policy is to align the sustainability guidelines to the strategic planning, incorporating principles of environmental responsibility to business and disseminate socially and environmentally responsible managerial posture. In 2012, by putting into practice the policy of sustainability, the Bank sought to engage the workforce further in several natures of activities that count with the volunteer participation of employees. And so that this practice turns into culture, the figure of the Agents of Sustainability was created, a group of 40 employees located at the various Regional Superintendences. As an example of sustainability initiative, the Seed Program stands out, through which over 70 million seedlings and seeds of native trees were distributed to farmers, ecological farming associations, cooperatives, settlements, indigenous groups, maroon, among others.

8 4Q12 MAIN INDICATORS (R$ Million) Total Assets 44, ,570.8 Funding 33, , , , Q11 3Q12 4Q12 4Q11 3Q12 4Q12 Total Credit Portfolio 24, ,789.0 Shareholders Equity 4, , , , Q11 3Q12 4Q12 4Q11 3Q12 4Q12 Basel Ratio Minimum Level: 11% 17.2% 16.3% 19.7% 18.6% 18.7% Dec/11 Mar/12 Jun/12 Sep/12 Dec/12 1 Corresponds to the total of Financial Income detucting the total of the Financial Expenses. 2 Efficiency Ratio: 12-month period accumulation. Personal Expenses + Other Administrative Expenses / Net Financial Margin + Services Providing Income + Subsidiaries Profit Sharing + (Other Operational Income - Other Operational Expenses). 3 Return on Shareholders Equity in the last 12 months. R$ Million, except percentages and number of banking services 4Q12 4Q11 Change Net Income Adjusted % Gross Profit from Financial Operations % Income from Operations % Efficiency Ratio % 45.2% 5.09% Return on Sharelholders Equity % 2.5% % Banking Services %

9 BANRISUL AT A GLANCE Total Assets (R$ Billions) Q09 4Q10 4Q11 4Q Shareholders Equity (R$ Billions) Q09 4Q10 4Q11 4Q Credit Portfolio (R$ Billions) Q09 4Q10 4Q11 4Q Net Income (R$ Millions) Net Income Recurring Net Income Q09 4Q10 4Q11 4Q

10 Banricompras Financial Turnover (R$ Million) Banricompras Transactions (Million) 1,439 1,626 1, , Q08 4Q09 4Q10 4Q11 4Q12 4Q08 4Q09 4Q10 4Q11 4Q12 Estimate Banrisul 2012 E 2012 A 2013 E Credit Portfolio 15% to 20% 19.4% 15% to 20% Commercial Credit - Individuals 12% to 17% 14.5% 10% to 15% Commercial Credit - Companies 16% to 21% 17.4% 18% to 22% Real Estate Loans 20% to 25% 29.0% 12% to 17% Provision Cost / Average Credit Portfolio 3% to 4% 3.5% 3% to 4% Allowance for Loan Losses / Average Credit Portfolio 6% to 8% 6.5% 6% to 8% Funding 13% to 18% 16.8% 13% to 18% Time Deposits 18% to 23% 22.1% 18% to 23% Recurring Return on Average Shareholders Equity 17% to 21% 17.6% 16% to 20% Efficiency Ratio 45% to 49% 47.5% 45% to 49% Net Financial Margin / Interest-Earning Assets 9% to10,5% 9.3% 9% to 10%

11 CONTACT IR Alexandre Pedro Ponzi Telephone: +55 (51)

12 FACT SHEET 4Q12