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Company Name: Banrisul S/A

Company 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%.

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Company Name: Banrisul S/A

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  1. Company 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%. Free float: 43.0%

  2. The State of Rio Grande do Sul at a Glance • 4th economy of Brazil accouting for 7.0% of the Brazilian GDP; • State’s GDP growth in 2007: 7.0% (Brazil’s GDP: 5.2%); • 2nd largest industrial expansion in the country; • Ranked 3rd among Brazilian states in terms of retail trade growth • State’s GDP: R$ 2,556.8 billion / US$ 1,312.6 billion * Data 2007

  3. RS Socioeconomic overview of Rio Grande do Sul

  4. Main factors contributing to the Bank’s business and performance are: Strong partnership with Rio Grande do Sul state Strong identification by state citizens Regional multiple-service bank focused on credit products

  5. CrossSelling Strong partnership with Rio Grande do Sul State • Exclusivity to payroll payments and payroll-deductible loans to State employees.

  6. Banrisul Highlights

  7. Stockholder Breakdown BANRISUL STOCK - Presently

  8. Banrisul Network

  9. Brazilian Competitive Market

  10. Regional multiple-service bank focused on credit products

  11. Banricompras Debit card to make cash, term or installment payments for their purchases in accredited commercial establishments A mean of payment that increases the purchase power, makes it easier to monitor expenses and does not burden card users About 66,000 establishments affiliated More than 34 million transactions in Aug 08, equivalent to almost R$ 2 billion in financial turnover

  12. IT Investments Chip Card - Multos A highly secure operating system that supports multiple applications for use in smart cards. MULTOS allows cards to be monitored during all steps of a transaction, simplifying and improving the smart card issuing process. Internet Banking The Bank offers access channels to clients through Home and Office Banking. Mobile Banking A debit card via cell phone to check balances and statements, and allows for the wire transfer of resources between accounts and the payment of bills through a mobile phone. Banrisul International IT Forum (Porto Alegre – RS – Brazil) Oct 28, 2008 http://www.banrisul.com.br/bob/data/Forum_Internacional_de_TI_Banrisul_agenda_textovrs08.pdf

  13. Self-service Channels Benefits

  14. Net Income R$ million

  15. CAGR: 18.50% p.a. CAGR: 19.02% p.a. Assets R$ million

  16. Interest on Own Capital and Dividends Paid R$ million

  17. Funding R$ million CAGR: 15.75% p.a. CAGR: 15.10% p.a.

  18. Securities R$ million

  19. Credit Portfolio R$ million

  20. Credit Portfolio yearly rate of growth

  21. Commercial Credit Portfolio yearly rate growth

  22. Funding yearly rate of growth

  23. Credit Portfolio Breakdown R$ million

  24. Commercial Credit Portfolio Individuals and Companies R$ million

  25. Credit Portolio by Rating R$ million

  26. Default Rate In %

  27. Basel Ratio In %

  28. Number of Clients In Million R$ million

  29. NOTICE TO THE MARKETFreed of Reserve Requirement Impacts on Banrisul • Measures of Central Bank released R$ 1,842.6 millions in reserve requirement • On september 24, the total amount in reserve requirements was R$ 3,883 millions

  30. NOTICE TO THE MARKETFreed of Reserve Requirement Impacts on Banrisul Main figures in August, 2008 • Loan portfolio: R$ 10,589.7 million • Total funding, including investiment funds: R$ 18,051.7 million • Federal securites + short term and interbank investiments: R$ 6,460.1 million • Basel Index, after Basel II alterations: 18,11% - Allow for R$ 10 billion increase in the loan book

  31. NOTICE TO THE MARKETFreed of Reserve Requirement Impacts on Banrisul Current situation • Treasury invested only in federal securities indexed to the SELIC – LFT or inter-banking operations pegged to federal securities • Not exposed to exchange, swaps or derivatives • Payroll-deductible loans portfolios acquired: more than R$ 500 millions • Default, overdue more than 60 days totaled 3,12% • Summarizing, conditions to continue growing

  32. Ricardo Hingel CFO & IRO Investor Relations Rua Capitão Montanha, nº 177 – CentroPorto Alegre – Rio Grande do Sul - BrazilCEP 90010-040Phone: +55 51 3215-3232Fax: +55 51 3215-3200www.banrisul.com.br/ir ir@banrisul-ri.com.br Banco do Estado do Rio Grande do Sul S.A. Banco do Estado do Rio Grande do Sul S.A.

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