Banco BI&P Results Presentation - 2nd Quarter 2014

1. RESULTS PRESENTATION
2Q14

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, and
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
3
 Expanded credit portfolio totaled R$3.9 billion, remaining stable in the quarter but up 21.4% from June 2013.
 Loans rated between AA and B corresponded to 91% of the expanded credit portfolio (85% in June 2013). Reflecting the
quality of the loan portfolio, 99% of the loans granted in the quarter were rated between AA and B.
 The Corporate and Emerging Companies segments accounted for 59% and 40%, respectively, of the expanded credit
portfolio, as against 51% and 48% in 2Q13.
 The Managerial Expense with Allowance for Loan Losses (annualized) in 2Q14 corresponded to 0.66% of the expanded credit
portfolio (1.1% in 1Q14), which is a highly positive outcome of the conservative credit policy being adopted by the bank in
recent years.
 Funding totaled R$4.1 billion, up 5.2% in the quarter and 31.6% in twelve months, while Free Cash totaled R$748.2 million
at the end of 2Q14, reflecting the high liquidity enjoyed by the bank.
 Income from services rendered and tariffs totaled R$15.7 million in 2Q14 and R$26.8 million in 1H14, representing growth
of 42.3% in the quarter and 117.2% in relation to 1H13. The investment banking area already accounts for 50% of this
revenue in 2Q14 (26% in 1Q14), which is the result of investments in the area in 2013 for acquiring the advisory firm VOGA
and hiring a few top-notch professionals in this field.
 Guide Investimentos, responsible for our wealth management and brokerage operations, entered into important alliances
during 2014, with (i) Omar Camargo Corretora de Câmbio e Valores Mobiliários Ltda, (ii) Geraldo Corrêa Corretora de Câmbio
e Valores Mobiliários Ltda, and (iii) Bullmark Consultoria Financeira Ltda. With these alliances, Guide has strengthened its
distribution network and is now present in important regions across the country. After the migration of all the clients of these
partners, Guide will manage assets of around R$2 billion.
 The quarterly Result of R$1.1 million already reflects a significant improvement from previous quarters, but was still
impacted by (i) the non-cash accounting effects of the discontinuation of the designation of hedge accounting of cash flows
from a series of funding operations indexed to inflation indices (IPCA and IGPM), which are still protected by hedge
operations; (ii) the negative contribution from Guide Investimentos as result of all the investments made in recent quarters;
(iii) the still increasing investment banking, structured operations and sales desks which, despite the significant growth from
the same period the previous year, still have tremendous potential for growth; and (iv) the need for economies of scale,
considering our appetite for risk and its direct impact on loan spreads.

4. 3,229 3,355
3,867 3,926 3,920
Jun 13 Sep 13* Dec 13 Mar 14 Jun 14
R$million
Loans and Financing in BRL Trade Finance
Guarantees Issued (L/G and L/C) Agricultural Bonds (CPR, CDA/WA and CDCA)
Private Credit Bonds (Debentures)
Expanded Credit Portfolio
4
Stable in the quarter, with growth of 21% in twelve months
Average Exposure per Client
R$ million
Mar 14 Jun 14
Corporate 10.5 11.2
Emerging Companies 2.9 3.0
56%
59%
43%
40%
1%
1%
Mar 14
Jun 14
Corporate Emerging Companies Other**
* Including credits from Banco BI&P which were assigned to Banco Intercap in 3Q13.
** Other Credits include Non-Operating Asset Sales Financing, Consumer Credit Vehicles, and Acquired Loans.

5. Expanded Credit Portfolio Development
5
... continuously focusing on higher quality assets.
99% of the new transactions
in the last 12 months are
classified between AA and B.
3,926 3,920
1,424(1,321)
(80) (29)
Mar 14 Amortized
Credits
Credit
Exits
Write
offs
Credit
Origination
Jun 14
R$million
773 685 817 794 818
549
391
514 381
606
1,322
1,076
1,331
1,174
1,424
Jun 13 Sep 13 Dec 13 Mar 14 Jun 14
R$million
Credit Origination
New Transactions Renewed Transactions

6. Expanded Credit Portfolio
6
* Starting from March 2014, export credit notes (NCE) and export notes (CCE) originated by Banco Intercap are included in Loans &
Financing in BRL, as well as NCE and CCE originated by Banco BI&P are classified.
Loans &
Financing in
BRL*
52%
Trade
Finance*
13%
BNDES
Onlendings
11%
Guarantees
Issued
6%
Agricultural
Bonds
15%
Private Credit
Bonds
1%
Other
2%
June 13
11.8%
12.0%
13.4%
28.3%
26.4%
27.5%
26.8%
25.1%
26.2%
33.1%
36.5%
33.0%
Jun 13
Mar 14
Jun 14
Client Concentration
Top 10 11 - 60 largest 61 - 160 largest Other
Loans &
Financing in
BRL*
53%
Trade
Finance*
11%
BNDES
Onlendings
6%
Guarantees
Issued
5%
Agricultural
Bonds
23%
Private Credit
Bonds
2%
June 14

7. 8.9%
2.0%
2.2%
2.4%
2.4%
2.9%
2.9%
3.1%
3.2%
3.3%
3.5%
4.0%
5.3%
5.9%
6.0%
8.3%
8.8%
9.1%
15.7%
Other Industries (less than 1.4%)
Machinery and Equipments
International Commerce
Education
Power Generation & Distribution
Financial Activities
Textile, Leather and Confection
Raw Materials
Commerce - Retail & Wholesale
Chemical & Pharmaceutical
Metal Industry
Transport and Logistics
Infrastructure
Livestock
Automitive
Food & Beverage
Oil, Biofuel & Sugar
Real Estate
Agriculture
June 2013
Expanded Credit Portfolio
7
Relevant exposure in agriculture
13.6%
1.5%
1.7%
1.9%
2.0%
2.3%
2.3%
2.6%
3.5%
3.9%
4.1%
4.3%
5.5%
6.9%
10.7%
12.0%
21.0%
Others Industries (less than 1.4%)
Raw Materials
Financial Activities
International Commerce
Metal Industry
Chemical & Pharmaceutical
Textile, Leather and Confection
Power Generation & Distribution
Commerce - Retail & Wholesale
Infrastructure
Transport and Logistics
Automotive
Livestock
Food & Beverage
Oil, Biofuel & Sugar
Real Estate
Agriculture
June 2014

8. Agricultural Franchise
8
Specialization in the agricultural segment with low levels of loss
CPR and
CDA/WA
71%
Loans
15%
Trade
Finance
12%
BNDES
Onlending
1%Guarantees
Issued
1%
Products
Midwest
56%
Southeast
25%
South
12%
Northeast
(Bahia)
7%
Regions
Cultivation Amount %
Soybean 557,158 67.7%
Coffee 101,346 12.3%
Corn 65,692 8.0%
Cotton 55,708 6.8%
Orange 15,705 1.9%
Grape 7,913 1.0%
Other 19,609 2.4%
Total 823,131 100.0%
More than R$2.8 billion in assets have been
generated over the past three years, with an
annual loss of 0.03% (annualized).
Position as of June 30, 2014
R$ thousand

9. Net Interest Margin (NIM)
9
4.06% 4.08% 3.99% 3.94% 4.43%
2Q13 3Q13 4Q13 1Q14 2Q14
Managerial NIM with Clients
In the 2Q14, Managerial NIM with Clients went up to 4.4%.
In this quarter we managed to negotiate lower taxes with our clients, we also had
our funding costs decreased and evolution in our Derivative fees.

10. Fees, Client Desk, IB, and Brokerage Revenues
10
9.1
10.3
9.1
12.0
17.9
14.4
30.0
2Q13 3Q13 4Q13 1Q14 2Q14 1H13 1H14
R$million
Fees, Client Desk, IB, and Brokerage Revenue
Comercial Fee Client Desk IB Guide Investimentos
Structured areas start to exhibit results and still present large potential for growth
with bigger cross-selling of products. Emphasis on the IB area that also counts with
an important back-log of more than 41 mandates in course
107.3%

11. Investment Banking
11
Major IB deals in 1H14
Real Estate
Debenture 476
R$ 175 million
Real Estate
CRI
R$ 31 million
Retail, Publishing & Services
Advisory
Telecom
Advisory
Real Estate
M&A Sell Side
2nd phase
Education
M&A Buy Side
R$ 676 million
Financial
Advisory
R$ 300 million

12. * New Credit Policy: adopted since April 2011.
Expanded Credit Portfolio Quality
12
99% of loans granted in the quarter were rated from AA to B
Credits rated between D and H totaled R$207.6 million
at the end of 2Q14:
 R$148.9 million (72% of the expanded credit
portfolio between D-H) in normal payment course;
 Only R$58.7 million overdue +60 days.
Additional ALL not allocated balance = R$19.1 million2%
2%
2%
50%
52%
57%
33%
35%
32%
6%
3%
4%
9%
7%
5%
Jun 13
Mar 14
Jun 14
AA A B C D - H
90.9%
89.8%
85.1%
AA
2%
AA
1%
AA
6%
A
57%
A
62%
A
9%
B
32%
B
33% B
20%
C
4%
C
2%
C
22%
D - H
5%
D - H
1%
D - H
43%
New Credit Policy* Clients
Expanded Loan Portfolio
Previous Credit Policy Clients
Expanded Loan Portfolio
2Q14

13. Credit Portfolio Quality
0.75%
0.95%
1.10%
0.66%
Sep 13 Dec 13 Mar 14 Jun 14
Managerial ALL Expense
1 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.
8.2%
12.4%
8.1%
15.0%
7.5%
2.1%
2.6% 1.9%
2.6% 1.8%
0.5% 0.6% 0.3% 0.4% 1.0%
Jun 13 Sep 13 Dec 13 Mar 14 Jun 14
NPL 90 days / Credit Portfolio
Clients Previous Credit Policy
Total
Clients New Credit Policy*
10.6%
14.0%
10.3%
15.2%
7.9%
2.6% 2.9% 2.3% 2.6% 2.0%
0.5% 0.6% 0.3% 0.5% 1.2%
Jun 13 Sep 13 Dec 13 Mar 14 Jun 14
NPL 60 days / Credit Portfolio
Clients Previous Credit Policy
Total
Clients New Credit Policy*
Managerial ALL Expense1 in 2Q14,
annualized, was 0.66% of the
Expanded Credit Portfolio
13

14. Time
Deposits
(CDB)
26%
DPGE I
30%
LCA
16%
LF & LCI
2%
Interbank &
Demand
Deposits
3%
Onlendings
11%
Foreign
Borrowings
12%
June 13
3,142 3,082
3,893 3,930
4,135
Jun 13 Sep 13 Dec 13 Mar 14 Jun 14
R$million
In Local Currency In Foreign Currency
Funding
14
Product mix helps with cost reduction
Time
Deposits
(CDB)
21%
DPGE I
23%
DPGE II
10%
LCA
28%
LF & LCI
3%Interbank &
Demand
Deposits
2%
Onlendings
6%
Foreign
Borrowings
7%
June 14
LCA and LCI account for
31% of funding volume
Agribusiness letters of credit, Real estate letters of credit and Bank notes are represented, respectively, by LCA, LCI and LF.
Insured time deposits are represented by DPGE. DPGE I and II are two types of DPGE and differ in cost and framework.

15. Guide Investimentos
15
In 2014, Guide entered into important alliances:
Guide continues to strength its distribution network and is now present in
important regions across the country. After the migration of all the clients of these
partners, Guide will manage assets of around R$2 billion.
AUM: R$500 million
14 independent investment advisors
1.320 Active Clients
AUM: R$300 million
8 independent investment advisors
702 Active Clients
In migration process
AUM: R$500 million
43 independent investment advisors
1.080 Active Clients
In migration process

16. 23.6 21.5
27.1 24.5 22.8
11.2 10.6
14.2 11.8 11.0
392 373 374 381
349
0
50
100
150
200
250
300
350
400
450
-
10.00
20.00
30.00
40.00
50.00
60.00
2Q13 3Q13 4Q13 1Q14 2Q14 2Q13 3Q13 4Q13 1Q14 2Q14
Personnel and Administrative Expenses
Personnel Expense Administrative Expense Headcount
Efficiency Ratio
16
• Personnel Expense: Headcount 8% lower in the
quarter and 11% lower when compared to 2Q13.
The effects on personnel expenses will be notice
by the second half.
• Administrative Expense: -7,5% in the quarter and
+7,1 when compared to 2Q13, this last impact
occurred specially due to period’s inflation and
investments for improvements in the technological
infrastructure of the Bank.
147.2%
79.3%
98.3% 100.5%
72.6%
2Q13 3Q13 4Q13 1Q14 2Q14
Efficiency Ratio
* Information based on the managerial income statement of the financial conglomerate without Guide Investimentos.

17. Profitability
17
-20.6
2.0
-10.0 -9.9
1.1
2Q13 3Q13 4Q13 1Q14 2Q14
R$million
Net Result
The quarterly result of R$1.1 million already reflects a significant improvement from previous quarters, but was still impacted by:
• the non-cash accounting effects of the discontinuation of the designation of hedge accounting of cash flows from a series of
funding operations indexed to inflation indices (IPCA and IGPM), which are still protected by hedge operations;
• the negative contribution from Guide Investimentos as result of all the investments made in recent quarters;
• the still increasing investment banking, structured operations and sales desks which, despite the significant growth from the
same period the previous year, still have tremendous potential for growth;
• the need for economies of scale, considering our appetite for risk and its direct impact on loan spreads.

18. 569.6 574.5
674.2 667.1 671.4
Jun 13 Sep 13 Dec 13 Mar 14 Jun 14
R$million
Shareholders’ Equity
14.6% 14.5% 14.8% 13.7% 13.3%
Jun 13 Sep 13 Dec 13 Mar 14 Jun 14
Basel Index (Tier I)
5.7x 5.7x 5.7x 5.9x 5.8x
Jun 13 Sep 13 Dec 13 Mar 14 Jun 14
Leverage
Expanded Credit Portfolio / Equity
Capital Structure and Ratings
18
Agency Rating
Last
Report
Standard
& Poor’s
Global: BB-/Stable/ B
National: brA/Stable/brA-2
Apr/14
Moody’s
Global: Ba3/Negative/Not Prime
National: A2.br/Negative/BR-1
Jul/13
Fitch
Ratings
National: BBB/Stable/F3 Sep/13
RiskBank
Index: 9,98
Low Risk Short Term
Jul/14