Banco BI&P Results Presentation - 4th Quarter 2013

1. Results Presentation
4Q13
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, 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. 2013-
We have reached the end of the bank's reconstruction cycle
In 4Q13 we concluded the second phase of the strategic restructuring program
we launched in April 2011
Joint Ventures to
generate assets
JVs have already generated assets worth more than R$400 million for the Bank
Acquisition of
IB Team
Additional ALL
Additional allowance for loan losses amounting to R$111 million, for loans granted prior to April
2011 to prevent contamination of the Bank’s future results
Capital Increase
Capital increase of R$90 million, subscribed by Warburg Pincus, controlling shareholders and the
market
Acquisition of
Banco Intercap
Acquisition of Banco Intercap, with Mr. Afonso Antonio Hennel (Grupo Semp Toshiba) and Mr.
Roberto de Resende Barbosa (NovAmerica/Cosan) joining the board of directors and the
controlling group
Launch of
Guide Investimentos
3
Acquisition of Voga (investment bank boutique), fully integrated in May 2013, with the
distribution team strengthened | 51 ongoing mandates during the 4Q13
Restructuring of the brokerage house Indusval Corretora, expanding the distribution base with an
open business design, to institutional and high income individuals.

4. Highlights


Loans rated between AA and B totaled 87.1% of the expanded credit portfolio (81.4% in December 2012). 99% of the
loans granted in the quarter were rated between AA and B.

Emerging Companies and Corporate segments accounted for 47.0% and 52.2%, respectively, of the expanded credit portfolio.

Managerial Expense with Allowance for Loan Losses (ALL) (annualized) in 4Q13 was 0.95% of the expanded credit
portfolio (0.75% in 3Q13), in line with the conservative lending policy adopted by the Bank and lower than Management’s
expectations.

Funding totaled R$3.9 billion and Free Cash totaled R$758.0 million at the end of 4Q13, keeping step with credit portfolio
growth.

Income from Services Rendered and Tariffs totaled R$9.9 million in the quarter, slightly lower than in the previous
quarter but 42.8% higher than in 4Q12.

Result in the quarter was a loss of R$10.0 million, mainly due to the following: (i) the more conservative approach to
lending, (ii) the negative impact, with no cash effect, of the discontinuance of the designation of hedge accounting of
operations to protect cash flows, which continue to be protected by hedge operations, and (iii) the ALL expense of Banco
Intercap in 4Q13, that reached the limit of R$6.0 million established by the shareholders of both banks for the first year
after the merger, concentrating this expense in a single quarter and generating an accounting loss of R$2.3 million for
Intercap in 4Q13, further consolidated to the financial statements of Banco BI&P.

4
Expanded Credit Portfolio of R$3.9 billion, with organic and inorganic growth of 15.3% in the quarter and 26.1% in
relation to December 2012. Organic portfolio growth, was 9.0% in the quarter and 19.2% in the year.
In November 2013, we announced the launch of the project to transform our brokerage arm, Guide Investimentos,
which, besides continuing to serve our institutional customers, will now also provide asset management services for high
income individuals through an innovative investment platform. With the announcement, in February 2014, of the strategic
alliance with Omar Camargo Corretora de Valores, the biggest and oldest company in the sector in the state of Paraná,
apart from expanding its customer base, Guide is also embarking on geographical and operational expansion across all
states in Southern Brazil. The creation of Guide is strategically important for the Bank, both in terms of distribution of
the products developed by our investment banking team and in the diversification of the Bank’s funding sources.

5. Expanded Credit Portfolio
Growth of 26.1% in 12 months
3,867
3,048
3,229
3,355
4Q12
1Q13
2Q13
3Q13*
R$ million
3,068
4Q13
Loans and Financing in Real
Trade Finance
Guarantees Issued (L/G and L/C)
Agricultural Bonds (CPR, CDA/WA and CDCA)
Private Credit Bonds (PN and Debentures)
Portfolio assigned to Intercap
4Q13
47.0%
52.2%
0.8%
Average exposure per
client | R$ million
3Q13
48.7%
50.5%
0.8%
Emerging Companies
5
Corporate
Other
3Q13
4Q13
Corporate
8,4
9,2
Emerging Companies
3,2
3,0
* Considers the consolidated Expanded Credit Portfolio, which includes the expanded credit portfolio of Banco Intercap.
Note: Other Credits includes Consumer Credit Vehicles. Acquired Loans and Non-Operating Asset Sales Financing.

6. Expanded Credit Portfolio Development
...focusing on higher quality assets...
3,654
817
(502)
(36)
Credit
Exits
Write offs
R$ million
(66)
3,867
3Q13
Amortized
Credits
New Transaction
R$ million
728
4Q12
6
773
589
1Q13
2Q13
685
3Q13
817
4Q13
99% of the new
transactions in the
last 12 months are
classified between
AA and B.
New
Operations
4Q13

7. Expanded Credit Portfolio
...and increasing the new products share in the portfolio...
4Q13
4Q12
BNDES
Onlendings
11%
Trade
Finance
14%
NCE
3.7%
CCE
2.4%
Other
1%
CCBI
1.7%
Discount
Receivables
0.3%
Confirming
0.1%
Credit
Assignments
15.6%
7
Guarantees
Issued
Agricultural
5%
Bonds
11%
Private
Credit Bonds
1.3%
Loans &
Discounts in
Real
57%
BNDES
Onlendings
8%
Trade
Finance
10%
Loans
33.1%
Private
Credit Bonds
0.7%
Loans &
Discounts in
Real
56%
NCE
5.4%
CCE
3.0%
Guarantees
Issued
5%
Agricultural
Bonds
19%
Other
1%
CCBI
4.5%
Discount
Receivables
0.2%
Confirming
0.0%
Credit
Assignments
8.7%
Loans
34.3%

8. Expanded Credit Portfolio
...with relevant exposure in agriculture...
4Q12
Agriculture
Real Estate
Food & Beverage
Livestock
Automotive
Oil, Biofuel & Sugar
Transport and Logistics
Infrastructure
Metal Industry
Textile, Leather and Confection
Chemical & Pharmaceutical
Commerce - Retail & Wholesale
Pulp & Paper
International Commerce
Electronics
Power Generation & Distribution
Education
Raw Materials
Financial Activities
Machinery and Equipments
Other industries*
8
15.5%
8.9%
7.7%
7.1%
6.3%
4.7%
4.0%
3.8%
3.6%
3.6%
Agriculture
3.4%
Real Estate
3.3%
Oil, Biofuel & Sugar
3.1%
Food & Beverage
3.0%
Automotive
2.9%
Power Generation & Distribution
2.7%
2.4%
Livestock
2.0%
Infrastructure
1.6%
Commerce - Retail & Wholesale
1.5%
Transport and Logistics
8.9%
* Other industries with less than 1.4% of share.
Textile, Leather and Confection
Financial Activities
Chemical & Pharmaceutical
Raw Materials
Metal Industry
Education
Machinery and Equipments
International Commerce
Other industries*
4Q13
9.4%
7.6%
6.6%
6.4%
4.2%
3.9%
3.9%
3.8%
3.8%
2.7%
2.3%
2.3%
2.3%
2.1%
2.0%
1.7%
1.6%
11.4%
22.1%

9. Expanded Credit Portfolio
...and promoting risk dilution.
Client Concentration
4Q13
13.1%
4Q12
14.0%
4Q11
16.8%
Top 10
29.7%
30.9%
32.0%
11 - 60 largest
25.4%
27.7%
26.8%
61 - 160 largest
31.9%
27.4%
24.4%
Other
The reduction of concentration is one of the results of the new
credit policy adopted since April 2011.
9

10. Credit Portfolio Quality
99% of loans granted in the quarter were rated from AA to B
83.9%
4Q13
4%
41%
40%
5% 11%
 Credits rated between D and H totaled R$340.7 million
at the end of 4Q13:
79.7%
3Q13
2%
36%
42%
7%
− R$270.5 million (79% of Credit Portfolio between DH) in normal payment course;
13%
− Only R$70.3 million overdue +60 days; and
79.1%
4Q12
2%
42%
AA
35%
A
B
C
13%
− 64.7% covered.
8%
D-H
New Credit Policy*
Clients Loan Portfolio
4Q13
A
49%
A
B
41% 40%
AA
4%
10
D-H
C 11%
5%
* New Credit Policy: adopted since April 2011.
AA
3%
Previous Credit Policy
Clients Loan Portfolio
D-H
45%
B
43%
B
27%
C D-H
3% 3%
AA
6%
A
8%
C
14%

11. Operating Performance and Profitability
Adjusted Revenues from Credit Operations and CPR
4Q13
3Q13
4Q13/3Q13
4Q12
4Q13/4Q12
A. Revenues from Credit Operations and agro bonds (CPR)
110.2
79.4
38.8%
68.0
62.1%
1.7
3.0
-43.3%
8.0
-78.6%
(2.2)
(1.6)
36.8%
(0.8)
164.6%
110.7
78.0
41.9%
60.8
81.9%
B. Recoveries of written-of operations
C. Discounts granted on settled operations
Adjusted Revenues from Credit Operations and CPR (A-B-C)
Net Interest Margin (NIM)
5.6%
5.3%
5.4%
4.4%
4.1%
4.1%
4Q12
1Q13
2Q13
5.0%
5.7%
4.7%
4.1%
4.0%
4.1%
4.0%
3Q13
4Q13
2012
2013
3.2%
NIM without effects of discontinuance of designation of hedge accounting and discounts *
Managerial NIM with Clients *
11
* Includes revenues from agro bonds (CPR)

12. Credit Portfolio Quality
NPL 60 days / Credit Portfolio
NPL 90 days / Credit Portfolio
14.0%
12.4%
10.6%
9.4%
10.3%
4.9%
8.2%
8.1%
4.5%
2.9%
2.6%
1.5% 2.3%
8.5%
2.3%
1.2%
2.2%
2.6%
2.1%
1.9%
0.4%
0.4%
0.5%
0.6%
0.3%
0.1%
0.4%
0.5%
0.6%
0.3%
4Q12
1Q13
2Q13
3Q13
4Q13
4Q12
1Q13
2Q13
3Q13
4Q13
Clients Previous Credit Policy
Clients Previous Credit Policy
Total
Total
Clients New Credit Policy*
Clients New Credit Policy*
Managerial ALL Expense
1.13%
0.75%
1
0.95%
Managerial ALL Expense1 in 4Q13,
annualized, was 0.95% of the
Expanded Credit Portfolio
2T13
4T13
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
12
3T13

13. Funding
Product mix helps with cost reduction
4Q12
Time
Deposits
(CDB)
23%
3,893
2,999
3,170
3,142
3,082
LF & LCI
3%
Foreign
Borrowings
12%
Interbank &
Demand
Deposits
2%
R$ million
Onlandings
11%
4Q13
4Q12
1Q13
In Local Currency
2Q13
3Q13
4Q13
in Foreign Currency
Time
Deposits
(CDB)
26%
Insured
Time
Deposits
(DPGE)
32%
LCA
19%
Foreign
Borrowings
9%
Onlandings
8%
13
Insured
Time
Deposits
(DPGE)
30%
LCA
19%
Interbank &
Demand
Deposits
2%
LF & LCI
4%

14. Operating Performance and Profitability
Return on Average Equity (ROAE) %
Net Profit
R$ million
14.2
3.6
4Q12
2.0
1Q13
2Q13
-20.6
3Q13
4Q13
2012
2013
2.5
n.r.
-10.0
4Q12
-91.4
n.r.
1Q13
2Q13
1.4
3Q13
2.4
n.r.
4Q13
n.r.
2012
2013
-120.0
The quarter result was impacted by:
• The more conservative approach to lending
• The negative impact, with no cash effect, of the discontinuance of the designation of hedge accounting
of operations to protect cash flows, which continue to be protected by hedge operations
• ALL expense of Banco Intercap in 4Q13 reached the limit of R$6.0 million established by the shareholders
of both banks for the first year after the merger, concentrating this expense in a single quarter
14
n.r.= not representative

15. Capital Structure and Ratings
Leverage
Expanded Credit Portfolio / Equity
Shareholders’ Equity
674.2
498.4
569.6
574.5
5.2x
6.1x
5.7x
5.7x
5.7x
1Q13
2Q13
3Q13
4Q13
R$ million
587.2
4Q12
1Q13
2Q13
3Q13
4Q13
Basel Index (Tier I)
4Q12
Agency
Rating
Last
Report
Standard
& Poor’s
4Q12
15
1Q13
14.6%
2Q13
14.5%
3Q13
Global: Ba3/Negative/Not Prime
National: A2.br/Negative/BR-1
Jul/13
Fitch
Ratings
14.2%
Aug/13
Moody’s
14.9%
Global: BB/Negative/ B
National: brA+/Negative/brA-1
National: BBB/Stable/F3
Sept/13
RiskBank
Index: 9.82
Low Risk Short Term
(under review)
Jan/14
14.8%
4Q13

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