“Ciclo APIMEC 2007” · 2007. 11. 23. · “Ciclo APIMEC 2007” Payroll-Deduction Credit (contracts on the period) R$ Thousands 3Q06 2Q07 3Q07 3Q07/2Q07 3Q07/3Q06 Personal Loans

““Ciclo APIMEC 2007Ciclo APIMEC 2007””

ConsolidatedConsolidated Financial Financial Information Information

33rdrd QuarterQuarter 20072007

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Company DataCompany Data

• Company Name: Banrisul S/A• Company Type: Multiple-service bank controlled

by the State of Rio Grande do Sul.• Incorporated in: September 12th 1928.• Incorporated under the Laws of: State Law nº

459/28.• Stake of the State 57.0%.• Stake of the State on ordinary stocks: 99.6%.

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Ownership StatusOwnership Status

42.87%

0.15%

56.98%

RS State Banrisul's Foundation Others

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Affiliated Affiliated CompaniesCompanies

Company Stake on the Company's Capital Stock

Banrisul S.A. Administradora de Consórcios 99.50%

Banrisul Serviços Ltda 99.80%

Banrisul Armazéns Gerais 99.50%

Banrisul S.A. Corretora de Valores Mobiliários e Câmbio 98.70%

Foreing Branches 100%

““Ciclo APIMEC 2007Ciclo APIMEC 2007””OrganogramOrganogram

CommercialOffice

Banrisul S.A.

Stockholders' General Meeting

Administrative Council

CEO

Fiscal Council

DistributionOffice

AdministrativeOffice

CreditOffice

Information Management

Office

FinancialOffice

Third-Party ResourcesAdministration

Office

Executive Board

Audit Committee

InternalAudit

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Regional Regional AdministrationsAdministrations

Regional Administrations - Location

Alto Uruguai - Passo Fundo Noroeste - Santo Angelo

Centro - Santa Cruz Serra - Caxias do Sul

Fronteira - Santa Maria Sul - Pelotas

Grande Porto Alegre - Parcão Main Branch (Agência Central)

Leste - Novo Hamburgo

9 regional 9 regional administrationadministration in Rio Grande do Sulin Rio Grande do Sul

1 regional 1 regional administrationadministration in other States in other States ((HeadquarterHeadquarter: São Paulo): São Paulo)

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Presence in Rio Grande Presence in Rio Grande do Suldo Sul

•Total number of municipalities in Rio Grande do Sul 496•Municipalities in R.S. with Banrisul branches 293•Municipalities in R.S. with Banrisul mini-branches (*) 100•Municipalities serviced by Banrisul 393•% of Banrisul in R.S 79.2%•Share of the State population serviced by Banrisul 97.4%•Share of the State’ GDP serviced by Banrisul 97.3%•(*) Without Banrisul branches

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Number of BranchesNumber of Branches

420420TotalTotal

44São PauloSão Paulo1313Santa CatarinaSanta Catarina33Rio de JaneiroRio de Janeiro22ParanParanáá11PernambucoPernambuco11Belo HorizonteBelo Horizonte11Distrito FederalDistrito Federal11CearCearáá11BahiaBahia

391391Rio Grande do SulRio Grande do SulSeptemberSeptember 20072007LocationLocation (Brazil and (Brazil and abroadabroad))

22AbroadAbroad

““Ciclo APIMEC 2007Ciclo APIMEC 2007””BanrisulBanrisul

Banking RankingBanking Ranking

Dec'04 Dec'05 Dec'06 Jun'07

15th 15th 14th 14th

19th 19th 18th 15th

12th 15th 13th 8th

12th 12th 12th 12th

10th 10th 10th 10th

Indexes

Total Assets

Net Equity

Net Profit

Total Deposits

Number of Agencies

Source: Banco Central’ s 50 greatest Banks Ranking


Market IndexesMarket Indexes

0.420.320.10

0.980.70

1.91

0.830.800.96

1.18

1.461.26

1.76

1.341.47

1.35

2.93093.0715

2.9257

2.43412.1771

1.97021.8295

2.3522

2000

2001

2002

2003

2004

2005

2006

2007

IGP-M (% Monthly average) Effective Selic (% Monthly average)Commercial USD (Monthly average)

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Performance & Performance &

RentabilityRentability IndexesIndexes

20.2

28.2

31.7

52.7

2.46.1

18.217.5

29.0

35.0

2.5 2.7

2004 2005 2006 9M07

%%

Basel Ratio ROAE (Annualized) ROAA (Annualized)

““Ciclo APIMEC 2007Ciclo APIMEC 2007””HighlightsHighlights

Net IncomeNet Income

ShareholderShareholder’’s s EquityEquity

Fund RaisingFund Raising

R$ 801.8 millionsR$ 801.8 millions

R$ 2,722.6 millionsR$ 2,722.6 millions

R$ 15.8 R$ 15.8 BillionsBillions


Total AssetsTotal Assets

Credit PortfolioCredit Portfolio

SecuritiesSecurities

R$ 20.1 R$ 20.1 billionsbillions

R$ 7.2 R$ 7.2 bilionsbilions

R$ 6.9 R$ 6.9 billionsbillions

““Ciclo APIMEC 2007Ciclo APIMEC 2007””BaselBasel RatioRatio

16.7 17.5 18.220.2

11.0 11.0 11.0 11.0 11.0

28.2

Dec-03 Dec-04 Dec-05 Dec-06

Basel Ratio (%) Minimum Required (%)

%%

Sep-07


Investments in Investments in TechnologyTechnology

Banricompras NetworkBanricompras Network

R$ 91.7 millionsR$ 91.7 millions

36.9 36.9 thousandsthousandsAccreditedAccredited MerchantsMerchants


2.4 2.4 thousandsthousandsBankingBanking

CorrespondentsCorrespondents

32.5 millions32.5 millionstransactionstransactions

Banrisul Banrisul CorrespondentsCorrespondents


Home Office BankingHome Office Banking

ClientsClients

41.9 millions 41.9 millions transactionstransactions

2.9 millions2.9 millions

““Ciclo APIMEC 2007Ciclo APIMEC 2007””ATM ATM TransactionTransaction VolumeVolume

70.077.4 76.8 80.0 80.6


%%

Sep-07


Net Net ProfitProfit EvolutionEvolution

147.7 156.0

220.2

801.8

254.5

9M2003 9M2004 9M2005 9M2006 9M2007

R$ MillionsR$ Millions

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Net Net ProfitProfit & & AnnualizedAnnualized

Return over ShareholderReturn over Shareholder’’s s EquityEquity


65.6 86.7 76.6

254.5

801.8

3Q06 2Q07 3Q07 9M06 9M07

21.8%21.8% 20.1%20.1% 11.7%11.7%

27.0%27.0%

41.1%41.1%

““Ciclo APIMEC 2007Ciclo APIMEC 2007””ShareholderShareholder’’s s EquityEquity

EvolutionEvolution

791.2878.4

1,146.7

2,722.6

1,297.9

3Q03 3Q04 3Q05 3Q06 3Q07


““Ciclo APIMEC 2007Ciclo APIMEC 2007””Interest over Interest over OwnOwn Capital / Capital /

DividendsDividends

130.8

190.6

143.1

172.2

110.0

2003 2004 2005 2006 9M07



Asset Asset EvolutionEvolution

12,280.2 11,894.413,423.2

20,114.4

15,279.3

3Q03 3Q04 3Q05 3Q06 3Q07



SecuritiesSecurities EvolutionEvolution

4,438.54,047.0

4,595.3

6,881.4

5,057.5

3Q03 3Q04 3Q05 3Q06 3Q07

R$ MilhõesR$ Milhões


Fund Raising Fund Raising EvolutionEvolution

R$ millionsR$ millions

9,289.310,084.4

11,347.7

13,561.6

15,786.1

3Q03 3Q04 3Q05 3Q06 3Q07


Fund Raising Fund Raising BreakdownBreakdown

3Q063Q06 2Q072Q07 3Q073Q07 3Q07/2Q073Q07/2Q07 3Q07/3Q063Q07/3Q06

TermTerm DepositsDeposits 5,164.0 5,164.0 5,712.7 5,712.7 5,827.5 5,827.5 2.0%2.0% 12.8%12.8%

DemandDemand DepositsDeposits 923.7 923.7 1,208.7 1,208.7 1,268.8 1,268.8 5.0%5.0% 37.4%37.4%

SavingsSavings DepositsDeposits 3,426.8 3,426.8 3,903.9 3,903.9 4,138.4 4,138.4 6.0%6.0% 20.8%20.8%

Other Other DepositsDeposits 80.5 80.5 86.6 86.6 73.8 73.8 --14.8%14.8% --8.4%8.4%

ThirdThird--PartyParty ResourcesResources 3,966.6 3,966.6 4,355.2 4,355.2 4,477.6 4,477.6 2.8%2.8% 12.9%12.9%

TotalTotal 13,561.6 13,561.6 15,267.1 15,267.1 15,786.1 15,786.1 3.4%3.4% 16.4%16.4%


““Ciclo APIMEC 2007Ciclo APIMEC 2007””BorrowingBorrowing and and DepositsDeposits

ExpensesExpenses

293.9252.4 285.0

857.4809.2

3Q06 2Q07 3Q07 9M06 9M07


““Ciclo APIMEC 2007Ciclo APIMEC 2007””Credit Operations Credit Operations

EvolutionEvolution

4,690.65,120.1

5,508.46,060.7

7,228.1

3Q03 3Q04 3Q05 3Q06 3Q07



DistributionDistribution

39.9 191.6 432.1782.3299.1

564.5

2,388.0 2,530.6

Development & Infrastructure Real Estate Finance General Credit - Individuals General Credit - CompaniesRural Finance Exchange / Export Leasing Operations Public Sector



DistributionDistribution

0.6% 2.7% 6.0%10.8%

4.1%7.8%

33.0% 35.0%

Development & Infrastructure Real Estate Finance General Credit - Individuals General Credit - CompaniesRural Finance Exchange / Export Leasing Operations Public Sector

%%

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Credit & Credit & TreasuryTreasuryRevenuesRevenues’’ Participation on Participation on

IncomeIncome

39.4%42.7%39.4%39.0%

50.7%

49.3%

61.0% 60.6%57.3%

60.6%

2003 2004 2005 2006 2007

Securities and Compulsory Investment Results Leasing and Credit Revenues

%%

““Ciclo APIMEC 2007Ciclo APIMEC 2007””General Credit General Credit --

IndividualsIndividuals

3Q063Q06 2Q072Q07 3Q073Q07 3Q07/2Q073Q07/2Q07 3Q07/3Q063Q07/3Q06

VehicleVehicle FinancingFinancing 25.4 60.7 105.2 73.4% 314.1%

PayrollPayroll DeductionDeduction LoansLoans 1,055.1 1,214.7 1,369.0 12.7% 29.8%

OverdraftOverdraft FinancingFinancing 255.5 280.0 273.3 -2.4% 7.0%

Other Other LoansLoans to to IndividualsIndividuals 639.6 939.0 783.0 -16.6% 22.4%

TotalTotal 1,975.6 2,494.4 2,530.6 1.4% 28.1%


““Ciclo APIMEC 2007Ciclo APIMEC 2007””PayrollPayroll--DeductionDeduction CreditCredit((contractscontracts on the period)on the period)

R$ R$ ThousandsThousands3Q063Q06 2Q072Q07 3Q073Q07 3Q07/2Q073Q07/2Q07 3Q07/3Q063Q07/3Q06

PersonalPersonal LoansLoans –– Public SectorPublic Sector 216,198 301,206 473,457 57.2% 119.0%

PersonalPersonal LoansLoans –– Private Private SectorSector 34,668 44,670 58,023 29.2% 68.4%

CDC CDC VehicleVehicle -- Public SectorPublic Sector 4,553 31,156 40,280 29.3% 784.7%

CDC CDC VehicleVehicle –– Private SectorPrivate Sector 414 1,046 1,061 1.4% 156.3%

Total Total 255,833 378,078 572,821 51.5% 123.9%

““Ciclo APIMEC 2007Ciclo APIMEC 2007””General Credit General Credit --

CompaniesCompanies

R$ MillionsR$ Millions 3Q063Q06 2Q072Q07 3Q073Q07 3Q07/2Q073Q07/2Q07 3Q07/3Q063Q07/3Q06

DiscountedDiscounted ReceivablesReceivables 115.8115.8 160.7160.7 191.4191.4 19.1%19.1% 65.3%65.3%

Operating CapitalOperating Capital 1,048.41,048.4 1,475.21,475.2 1,669.61,669.6 13.2%13.2% 59.3%59.3%

VendorVendor FinancingFinancing 395.7395.7 264.8264.8 259.5259.5 --2.0%2.0% --34.4%34.4%

OverdraftOverdraft ProtectedProtected AccountsAccounts 117.2117.2 112.0112.0 164.6164.6 47.0%47.0% 40.5%40.5%

OthersOthers 167.4167.4 110.9110.9 102.9102.9 --7.2%7.2% --38.5%38.5%

Total to Total to CompaniesCompanies 1,844.41,844.4 2,123.62,123.6 2,388.02,388.0 12.5%12.5% 29.5%29.5%


General Credit General Credit RevenuesRevenues

398.3 413.8 432.1

1,207.4 1,238.2

3Q06 2Q07 3Q07 9M06 9M07


4.4%8.5%

2.6%

““Ciclo APIMEC 2007Ciclo APIMEC 2007””General Credit General Credit RevenuesRevenues

-- IndividualsIndividuals


3Q06 2Q07 3Q07 3Q07/2Q07 3Q07/3Q06 9M06 9M07 9M07/9M06

CDC Vehicle 1.8 2.1 4.4 109.5% 144.4% 5.6 8.2 46.4%

Payroll Deduction Loans 68.1 82.9 96.4 16.3% 41.6% 197.4 252.8 28.1%

Overdraft Financing 62.8 67.2 68.2 1.5% 8.6% 185.4 195.9 5.7%

Other 77.9 85.2 75.7 -11.2% -2.8% 228.7 243.4 6.4%

Total to Individuals 210.6 237.5 244.7 3.0% 16.2% 617.1 700.4 13.5%

““Ciclo APIMEC 2007Ciclo APIMEC 2007””RevenuesRevenues on General on General Credit Operations Credit Operations --

CompaniesCompanies

124.0 119.3 128.2

388.7364.9

3Q06 2Q07 3Q07 9M06 9M07

7.4%

3.4% -6.1%


““Ciclo APIMEC 2007Ciclo APIMEC 2007””Credit Credit OperationOperation & &

Provision TotalProvision Total

6,060.7

6,866.87,228.1

879.6 870.6 881.9

3Q06 2Q07 3Q07

Credit Portfolio Provision


14.5% 12.2%12.7%

““Ciclo APIMEC 2007Ciclo APIMEC 2007””Credit Portfolio per Risk Credit Portfolio per Risk

LevelLevel

4,917.45,469.5 5,777.9

991.9 1,097.6 1,049.9

340.8241.4333.9

3Q06 2Q07 3Q07

Normal Risk ("AA" to "C") Risk 1 ("D" to "G") Risk 2 ("H")

78.8%78.8%80.3%80.3% 80.6%80.6%

R$ MilhõesR$ Milhões


Coverage Coverage IndexIndex

%%

242.1%

307.7%322.0%

3Q06 2Q07 3Q07

Percentage between allowance for credit losses and the balance of operations overdue for more then 60 days that do not generate revenue

““Ciclo APIMEC 2007Ciclo APIMEC 2007””RevenuesRevenues from from

RenderingRendering ServicesServices

139.5 132.3 137.9

412.4 404.4

3Q06 2Q07 3Q07 9M06 9M07



Administrative ExpensesAdministrative Expenses

558.2530.1

203.1181.9177.1

136.8 115.5 143.3

392.8 392.1

922.9

313.9 297.4346.4

950.3

3Q06 2Q07 3Q07 9M06 9M07

Personnel Expenses Other Administrative Expenses Total


““Ciclo APIMEC 2007Ciclo APIMEC 2007””Default RateDefault Rate

4.64.9 4.8 4.9

3.7


%%

Sep-07


EfficiencyEfficiency RateRate

%%

56.356.755.9

53.9

60.0

3Q06 2Q07 3Q07 9M06 9M07

'

53.9


Banco do Estado do Rio Grande do Sul S.A.Rua Capitão Montanha, nº 177 – CentroPorto Alegre – Rio Grande do SulCEP 90010-040Phone: +55 51 3215-3230

+55 51 3215-3231+55 51 3215-3232+55 51 3215-3233

Fax: +55 51 3215-3200www.banrisul.com.br/[email protected]

Documents

“Ciclo APIMEC 2007” · 2007. 11. 23. · “Ciclo APIMEC 2007” Payroll-Deduction Credit (contracts on the period) R$ Thousands 3Q06 2Q07 3Q07 3Q07/2Q07 3Q07/3Q06 Personal Loans