22

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%

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%

Company Data

33

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

The State of Rio Grande do Sul at a Glance

44

Indicators RS Brazil

Population 10,963,219 186,770,562

Area (km2) 281,749 8,498,332

Population density 38.9 22.0

Urban population (%) 81.2 82.8

Growth population rate 1.3 1.7

HDI 0.814 0.766

HDI-Income 0.754 0.723

HDI-Education 0.904 0.849

HDI-Life expectancy 0.785 0.727

Gini index 0.520 0.569

Life expectancy (years) 74.2 71,9

Infancy mortality rate 13.1 24.9

Illiteracy (%) 5.2 11.1

Average years of education

6.9 6.5

Poverty (% population) 17.1 25.6

Brazil

Argentina

Peru

Bolivia

Colombia

Venezuela

Ecuador

Chile

Paraguay

Guyana

Uruguay

SurinameFrench Guiana

Brazil

Brazil

Brazil

Brazil

²0 480 960 1.440 1.920240

Kilometers

RS

Socioeconomic overview of Rio Grande do Sul

55

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

66

Cross Selling• Exclusivity to payroll payments and payroll-deductible loans to State employees.

Strong partnership with Rio Grande do Sul State

Banrisul Banrisul HighlightsHighlights

88

Stockholder BreakdownBANRISUL STOCK - Presently

Stockholder ON % PNA PNB TOTAL (PNA + PNB) % TOTAL OF

STOCKS %

State of Rio Grande do Sul 204,199,859 99.60% 2,721,484 26,086,957 28,808,441 14.12% 233,008,300 56.97%

Fund Banrisul de Seg. Social 449,054 0.22% 158,983 0 158,983 0.08% 608,037 0.15%

Inst. Prev. Do Estado RGS 44,934 0.02% 168,612 0 168,612 0.08% 213,546 0.05%

Free Float 324,014 0.16% 872,006 173,948,574 174,820,580 85.71% 175,144,594 42.83%

TOTAL 205,017,861 100.00% 3,921,085 200,035,531 203,956,616 100.00% 408,974,477 100.00%

99

Banrisul Network

Service Network

Branches 424 Rio Grande do Sul 395

Santa Catarina 13 Other States 14

Abroad 2 Service Points 273 Eletronic Sales Points 427 Representative Office 1 Total Network 1,125

Presence in the State of Rio Grande do Sul

Total Municipalities in the State of Rio Grande do Sul 496

Municipalities with Banrisul Branches 294

Municipalities with Banrisul Service Points 105

Total Municipalites Serviced by Banrisul 408

Service Range 82.3%

Population of the State of Rio Grande do Sul serviced by Banrisul 97.4%

State of Rio Grande do Sul's GDP serviced by Banrisul 97.3%

1010

Brazilian Competitive Market

BRAZILIAN COMPETITIVE MARKET

AS OF JUN/08 - IN R$ MILLION, EXCEPT NR. OF BRANCHES

INDEX BRAZIL STATE OF RGS % STATE OF RGS / BRAZIL BANRISUL % BANRISUL /

STATE OF RGS

TIME DEPOSITS 414,981 18,669 4.5% 7,133 38.2%

SAVING DEPOSITS 247,732 19,893 8.0% 4,468 22.5%

DEMAND DEPOSITS 113,568 8,686 7.6% 1,562 18.0%

LOAN PORTFOLIO 1,067,355 45,540 4.3% 9,951 21.9%

NR. OF BRANCHES 19,528 1,302 6.7% 423 32.5%

Source: Central Bank of Brazil

1111

Innovative and Differentiated Products

Leveraging business with diversified client base and segment

Individuals: Debit card with “Pre-approved credit line”

SME: Discount receivables

More than 40 thousand affiliated stores

47 million transactions in 2007

R$2.56 billion in transactions in 2007

R$34 million in gross income in 2007

Personal credit

Direct credit to consumer

Overdraft loan (“Banricompras”)

Vehicle financing

Payroll deductible loan

Real estate credit

Agribusiness financing

Receivables discount

Working capital

“Promicro”

Machines and equipments

Vendor

Compror

Leasing

Credit Products Portfolio

Regional multiple-service bank focused on credit products

1212

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

Banricompras

1313

Internet Banking

The Bank offers access channels to clients through Home and Office Banking.

IT Investments

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.

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.

Banrisul International IT Forum (Porto Alegre – RS – Brazil) Oct 28, 2008http://www.banrisul.com.br/bob/data/Forum_Internacional_de_TI_Banrisul_agenda_textovrs08.pdf

1414

Self-service ChannelsBenefits

151515

Net Income

R$ million

161616

Assets

CAGR:

18.50% p.a.

CAGR:

18.50% p.a.

CAGR:

19.02% p.a.

CAGR:

19.02% p.a.

R$ million

171717

Interest on Own Capitaland Dividends Paid

R$ million

181818

Funding

CAGR:

15.75% p.a.

CAGR:

15.75% p.a.

CAGR:

15.10% p.a.

CAGR:

15.10% p.a.

R$ million

191919

Securities

R$ million

202020

Credit Portfolio

R$ million

212121

Credit Portfolio yearly rate of

growth

222222

Commercial Credit Portfolio

yearly rate growth

232323

Funding yearly rate of

growth

242424

Credit Portfolio Breakdown

R$ million

252525

Commercial Credit Portfolio

Individuals and CompaniesR$ million

262626

Credit Portolio by Rating

R$ million

272727

Default Rate

In %In %

2828

Basel Ratio

In %In %

2929

Number of Clients

In MillionIn MillionR$ million

3030

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

3131

NOTICE TO THE MARKETFreed of Reserve Requirement

Impacts on Banrisul

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

Main figures in August, 2008

3232

NOTICE TO THE MARKETFreed of Reserve Requirement

Impacts on Banrisul

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

Current situation

Ricardo HingelCFO & IRO

Investor RelationsRua Capitão Montanha, nº 177 – CentroPorto Alegre – Rio Grande do Sul - BrazilCEP 90010-040Phone: +55 51 3215-3232Fax: +55 51 3215-3200www.banrisul.com.br/irir@banrisul-ri.com.br