Banco BI&P Results Presentation - 3rd Quarter 2013

1. Results Presentation
3Q13
Your Banking Partner

2. Disclaimer
This presentation may contain references and statements representing future
expectations. plans of growth and future strategies of BI&P. These references and
statements are based on the Bank’s assumptions and analysis and reflect the
management’s beliefs. according to their experience. to the economic environment
and to predictable market conditions.
As there may be various factors out of the Bank’s control. there may be significant
differences between the real results and the expectations and declarations herewith
eventually anticipated. Those risks and uncertainties include. but are not limited to
our ability to perceive the dimension of the Brazilian and global economic aspect.
banking development. financial market conditions. competitive. government and
technological aspects that may influence both the operations of BI&P as the market
and its products.
Therefore. we recommend the reading of the documents and financial statements
available at the CVM website (www.cvm.gov.br) and at our Investor Relations page in
the internet (www.bip.b.br/ir) and the making of your own appraisal.
2

3. Highlights


The Emerging Companies and Corporate segments accounted for 48.7% and 50.5%, respectively.

Loans rated between AA and B corresponded to 84.5% of the expanded credit portfolio of Banco BI&P. Noteworthy are
the loans granted during the period: 99.9% were rated between AA and B

The Managerial Expense with ALL in 3Q13 (annualized) was 0.75% of the expanded credit portfolio (1.1% in 2Q13), in line
with the conservative credit policy adopted by the Bank and lower than Management’s expectations.

Funding volume totaled R$3.1 billion and Free Cash totaled R$657.9 million at the end of 3Q13, in line to the growth of
the loan portfolio.

Adjusted Revenue from Credit Operations and Agro Bonds (CPR), which reflects the Bank's core business, totaled
R$78.0 million in the period, increasing 12.7% in the quarter and 32.7% in 12 months.

Income from Services Rendered, which includes fees for structuring corporate finance operations, increased 16.7% in
3Q13 and 31.6% in 12 months.

Net Income from the quarter was R$2.0 million, mainly due to the increase in revenues from credit operations and CPR.

In the beginning of November, we announced the launch of guide investimentos, which will provide asset management
services for high-income individuals through an investment platform that includes investment consulting and advice,
financial content and intelligence, and a tailor-made product offering selected by analysts and economists.

3
Volume of origination by the Banco BI&P commercial team: the Expanded Credit Portfolio, including the loans assigned
to Banco Intercap, totaled R$3.4 billion, +3.9% in the quarter and +12.2% from September 2012. Including the Banco
Intercap portfolio, the consolidated Expanded Credit Portfolio totaled R$3.6 billion, +21.5% in the year.
On November 4, 2013, we concluded the acquisition of Banco Intercap S.A. and, consequently, announced a capital
increase of R$107 million, to be subscribed by the shareholders of Banco Intercap. Messrs. Roberto de Rezende Barbosa
and Afonso Antônio Hennel will join the Bank BI&P’s controlling group, and also, after approval by the extraordinary
shareholders’ meeting, the Board of Directors of the Bank as Vice Chairman and Director, respectively.

4. Banco BI&P Strategic Layout
JOINT VENTURES
INVESTMENT BANK
FOR
STRUCTURING AND FIXEDINCOME DISTRIBUTION
COMMERCIAL BANK
ASSET GENERATION
 New Management
 New Commercial Team
 New Credit and HR Policies
 New Structure of Controls
 Business Repositioning
 Multiproduct Offering
 Treasury and Derivatives Desk
 New Joint Ventures
 3 new partnerships in
negotiation, focusing the
following segments:
- Agriculture
- Real Estate
 New Team Acquired
 New Strategy in Course
 Robust Pipeline and Backlog
 Partnership with Moelis & Co.
BROKERAGE HOUSE
DISTRIBUTION
RETAIL FUNDING
 New Management Hired
 Business Strategy and Model
Redefined
(global investment bank)
 New Systems Acquired
 Launched in November 2013
52 MANDATES IN PROGRESS
NEW DISTRIBUTION PLATFORM
MORE THAN 65 PROPOSALS
100% INCREASE IN THE CLIENT BASE
IN THE LAST 12 MONTHS
Active/Creative
82% ASSET GROWTH
STRONG
QUALITY ASSET GENERATION
FUNDING DIVERSIFICATION
WELL PROVISIONED, SOLID CREDIT
PORTFOLIO
4
MORE THAN R$400 MILLION OF
ASSETS ORIGINATED
PRESENTED

5. guide investimentos
guide investimentos: innovative investments platform
Focus
Operates in allocation and distribution of financial assets to high net worth individuals.
Products
Portfolio
Services
investment consulting and advice, financial content and intelligence, and a tailor-made product
offering selected by analysts and economists.
Value
Proposition
5
Investment Funds (of third parties), fixed-income, credit, real estate funds, pension funds,
structured products, stocks, future markets and commodities.
Tailor-made portfolio recommendation for each client without charging for rebates, eliminating
any eventual conflict of interest and allowing the recommendation of products that are more
suitable to each investment profile.

6. Acquisition of Banco Intercap
Concluded in November 2013
Capital
Increase
Corporate
Governance
People
R$107 million, to be subscribed by Banco Intercap shareholders
Shareholders of 2 solid groups will join the controlling group and the Board of Directors: Afonso
Hennel (Semp Group) and Roberto de Rezende Barbosa (NovAmerica / Cosan)
Integration taking place, estimated to end in December 2013
By the end of the process, Banco BI&P will have a smaller team compared to June 2013
Technology
Basel Index
6
Intercap operations has been absorbed into Banco BI&P technological infrastructure, expected
to be ended on January 1, 2014
Index of 15.4%, in case of the acquisition had been concluded in September 2013

7. Expanded Credit Portfolio
Growth of 21.5% in 12 months.
3,068
3,048
3Q12
4Q12
1Q13
3,229
2Q13
3Q13
3,635
R$ milhões
2,991
3,355
3Q13*
Expanded Credit Porfolio Intercap
Portfolio assigned to Intercap
Private Credit Bonds (PN and Debentures)
Agricultural Bonds (CPR, CDA/WA and CDCA)
Guarantees Issued (L/G and L/C)
Trade Finance
7
Expanded Credit Portfolio BI&P
Loans and Financing in Real
* Considers the consolidated Expanded Credit Portfolio, which includes the expanded credit portfolio of Banco Intercap.

8. Client Segmentation
Emerging Companies and Corporate segments participation in the expanded
portfolio of Banco BI&P near the strategic mix of 50%-50%...
3Q13
48.7%
50.5%
0.8%
Average exposure per client |
R$ million
2Q13
47.6%
51.4%
1.0%
Emerging Companies
Corporate
Other
2Q13
3Q13
Corporate
8.1
8.4
Emerging Companies
3.6
3.2
Emerging Companies
Corporate
Annual revenues of between R$400mn and R$2bn
Annual revenues from R$80mn to R$400mn
1,200
1,445
1,538
1Q13
2Q13
3Q13
1,682
1,586
1,820
3Q12
4Q12
1,567
1,659
1,644
1Q13
2Q13
3Q13
R$ million
R$ million
1,253
3Q12
4Q12
Migration of clients from Emerging Companies to Corporate = ~R$260mn as of Sept. 30. 2012
8
Note: Other Credits includes Consumer Credit Vehicles. Acquired Loans and Non-Operating Asset Sales Financing.

9. Expanded Credit Portfolio Development
...focusing on higher quality assets...
3,229
685
(582)
New
Operations
3Q13
(11)
R$ million
(63)
3,258
2Q13
Amortized
Credits
Credit
Exits
New Transaction
728
3Q12
4Q12
773
589
685
R$ million
687
9
1Q13
2Q13
3Q13
Write offs
99% of the new
transactions in the
last 12 months are
classified between
AA and B.

10. Expanded Credit Portfolio
...and increasing the new products share in the portfolio...
3Q13
3Q12
BNDES
Onlendings
10%
Trade
Finance
16%
Private
Credit Bonds
1.4%
Loans &
Discounts in
Real
56%
NCE
1.9%
CCE
2.2%
Other
1%
CCBI
1.8%
Discount
Receivables
0.2%
Confirming
0.6%
Credit
Assignments
16.5%
10
Guarantees
Issued
Agricultural
6%
Bonds
10%
Loans
32.8%
BNDES
Onlendings
10%
Trade
Finance
12%
CCE
3.3%
Other
1%
CCBI
2.5%
Discount
Receivables
0.3%
Confirming
0.0%
Credit
Assignments
5.7%
NCE: Export Credit Notes; CCE: Export Credit Certificate; CCBI: Real Estate Credit Bank Note.
Agricultural
Bonds
21%
Private
Credit Bonds
0.9%
Loans &
Discounts in
Real
49%
NCE
5.9%
Guarantees
Issued
6%
Loans
30.8%

11. Expanded Credit Portfolio
...with relevant exposure in agriculture...
3Q12
Agriculture
Construction
Automotive
Livestock
Food & Beverage
Oil, Biofuel & Sugar
Metal Industry
Financial Activities
Commerce - Retail & Wholesale
Pulp and Paper
Infrastructure
Transportation & Logistics
Textile, Apparel & Leather
International Comerce
Chemical & Pharmaceutical
Education
Power Generation & Distribution
Machines and Equipment
Electronics
Information, Comunication and I.T.
Other industries*
8.9%
8.1%
7.6%
6.9%
5.2%
4.0%
3.9%
3.9%
3.9%
3.5%
3.4%
3.0%
3.0%
2.8%
2.4%
2.0%
1.8%
1.5%
1.4%
7.5%
15.3%
3Q13
Food & Beverage
Oil, Biofuel & Sugar
Automotive
Infrastructure
Livestock
Commerce - Retail & Wholesale
Transportation & Logistics
Power Generation & Distribution
Textile, Apparel & Leather
Chemical & Pharmaceutical
Raw Materials
Education
Metal Industry
Financial Activities
Other industries*
11
* Other industries with less than 1.4% of share.
23.6%
Agriculture
Construction
8.7%
7.9%
7.5%
5.5%
4.4%
4.3%
3.7%
3.7%
3.4%
2.7%
2.6%
2.6%
2.4%
2.3%
1.8%
12.8%

12. Expanded Credit Portfolio
...and promoting risk dilution.
Client Concentration
3Q13
11.7%
3Q12
13.3%
3Q11
28.6%
26.0%
29.6%
32.0%
18.5%
Top 10
11 - 60 largest
33.7%
27.0%
30.0%
26.9%
61 - 160 largest
The reduction of concentration is one of the results
of the new credit policy adopted since April 2011.
12
22.2%
Other

13. Credit Portfolio Quality
99.9% of loans granted in the quarter were rated from AA to B
In Sept 2013, 66.2%
of credits rated
between D-H covered
79.7%
3Q13
2%
36%
42%
7%
 Credits rated between D and H totaled R$317.8
million at the end of 3Q13:
13%
81.7%
2Q13
3%
42%
38%
− R$247.6 million (78% of Credit Portfolio
between D-H) in normal payment course;
7% 11%
− Only R$70.1 million overdue +60 days; and
78.4%
3Q12
6%
37%
AA
35%
A
B
C
14%
− 66.2% covered.
8%
D-H
New Credit Policy* Clients
Loan Portfolio
B
A 42%
36%
A
42%
C
7%
AA
2%
D-H
13%
3Q13
13
* New Credit Policy: adopted since April 2011.
AA
2%
Previous Credit Policy Clients
Loan Portfolio
D-H
60%
B
48%
C D-H
4% 3%
AA
3%
A
3%
C
B 23%
11%

14. Operating Performance and Profitability
Adjusted Revenues from Credit Operations and CPR
3Q13
2Q13
3Q13/2Q13
3Q12
3Q13/3Q12
A. Revenues from Credit Operations and agro bonds (CPR)
79.4
60.0
32.4%
62.9
26.3%
3.0
1.7
75.2%
5.9
49.1%
C. Discounts granted on settled operations
(1.6)
(11.0)
85.5%
(1.8)
-11.4%
Adjusted Revenues from Credit Operations and CPR (A-B-C)
78.0
60.7
12.7%
74.3
32.3%
B. Recoveries of written-of operations
Net Interest Margin (NIM)
5.8%
5.3%
5.4%
3.2%
5.6%
5.9%
4.5%
4.4%
4.1%
4.1%
4.1%
4.8%
4.1%
3Q12
4Q12
1Q13
2Q13
3Q13
9M12
9M13
4.7%
NIM without effects of discontinuance of designation of hedge accounting and discounts *
Managerial NIM with Clients *
14
* Includes revenues from agro bonds (CPR)

15. Credit Portfolio Quality
NPL 60 days / Credit Portfolio
NPL 90 days / Credit Portfolio
14.0%
9.4%
7.5%
8.5%
5.5%
4.9%
3.1%
12.4%
10.6%
2.3%
1.5%
2.6%
2.9%
1.9%
8.2%
4.5%
2.2%
1.2%
2.1%
2.6%
1.1%
0.4%
0.4%
0.5%
0.6%
0.3%
0.1%
0.4%
0.5%
0.6%
3Q12
4Q12
1Q13
2Q13
3Q13
3Q12
4Q12
1Q13
2Q13
3Q13
Clients Previous Credit Policy
Clients Previous Credit Policy
Total
Total
Clients New Credit Policy*
Clients New Credit Policy*
Managerial ALL Expense
1
1.10%
Managerial Allowance for Loan Losses (ALL)
0.75%
Expense1 in 3Q13, annualized, was 0.75% of
the Expanded Credit Portfolio
2Q13
Managerial Expense with Allowance for Loan Losses (ALL) = ALL expenses + Discounts granted upon settlement of loans – Revenues from
recovery of loans written off. | * New Credit Policy: adopted since April 2011.
1
15
3Q13

16. Funding
Product mix helps with cost reduction
3Q12
Time
Deposits
(CDB)
23%
2,999
3,142
3,082
Foreign
Borrowings
15%
R$ million
2,936
3,170
LF and LCI
1%
Onlandings
10%
3Q13
3Q12
4Q12
In Local Currency
1Q13
2Q13
3Q13
in Foreign Currency
Time
Deposits
(CDB)
23%
Interbank &
Demand
Deposits
5%
Insured
Time
Deposits
(DPGE)
30%
LCA
19%
LF and LCI
3%
Foreign
Borrowings
12%
Onlandings
11%
16
Insured
Time
Deposits
(DPGE)
35%
LCA
11%
Interbank &
Demand
Deposits
2%

17. Operating Performance and Profitability
Net Profit
R$ million
10.8
3.1
3.6
3Q12
4Q12
2.0
1Q13
2Q13
-91.4
3Q13
9M12
-20.6
9M13
-110.1
Return on Average Equity (ROAE) %
2.2
2.5
n.r.
3Q12
17
n.r.= not representative
4Q12
n.r.
1Q13
2Q13
1.4
3Q13
2.4
n.r.
9M12
9M13

18. Capital Structure and Ratings
Leverage
Shareholders’ Equity
Expanded Credit Portfolio / Equity
683.0
587.2
498.4
569.6
BI&P+
Intercap
574.5
5.1x
5.2x
3Q12
4Q12
BI&P+
Intercap
6.1x
5.7x
5.7x
5.3x
1Q13
2Q13
3Q13
3Q13*
R$ million
587.6
3Q12
4Q12
1Q13
2Q13
3Q13
3Q13*
Basel Index (Tier I)
Agency
Rating
Last
Report
18
4Q12
1Q13
2Q13
3Q13
3Q13*
Global: BB/Negative/ B
National: brA+/Negative/brA-1
Aug/13
Global: Ba3/Negative/Not Prime
National: A2.br/Negative/BR-2
Jul/13
Fitch
Ratings
3Q12
Standard
& Poor’s
Moody’s
15.82% 14.94%
14.17% 14.55% 14.48% 15.4%
BI&P+
Intercap
National: BBB/Stable/F3
Set/13
RiskBank
Index: 9.80
Low Risk Short Term
Oct/13
* Simulation of the conclusion of the merger with Banco Intercap at the end of 3Q13.

19. Your Banking Partner