1. 3rd Quarter 2012
Results Presentation

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.
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3. Highlights
 Expanded Credit Portfolio came to R$3.0 billion in 3Q12 (+6.5% QoQ and +33% YoY), with
R$687 million new loans granted in the period (38% above 3Q11).
 Continuous improvement in the quality of the Credit Portfolio – the share of credits rated from
AA to B increased to 81% of the Expanded Credit Portfolio in 3Q12; 99.7% of the new loans
granted in the quarter are rated between AA and B (99.4% in 2Q12).
 We have maintained the strategy of originating higher quality assets, with shorter tenors. And
expect to resume origination of higher spread assets in a more favorable macro scenario.
 Reduction in past due loans above 90 days to 1.8% (2.6% in June 2012 and 4.1% in September
2011), with coverage by provisions of 231.9% (175.7% in June 2012 and 199.3% in September
2011).
 Total Funding of R$2.9 billion (+6.6% in 3Q12), in line with Loan Portfolio growth, keeping the
spread over CDI. Funding through Agribusiness Letters of Credit (LCA) accounted for 11,2% of
total funding (6.7% in September 2011).
 Revenue from services climbed by 43% over 2Q12 and 40% in relation to 3Q11, contributing
R$7.7 million to the results of the quarter.
 Net Profit totaled R$3.1 million in 3Q12 (up 29% in the quarter).
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4. Expanded Credit Portfolio
Restructuring of commercial area and its efforts, coupled with the
improvement in economic growth in 3Q12, supported portfolio increase...
2,807 2,991
2,759
2,534
2,248
R$ million
3Q11 4Q11 1Q12 2Q12 3Q12
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)
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5. Expanded Credit Portfolio Development
...with higher volume of new transactions…
2,807 2,991
(381) 687
(106) (16)
R$ million
2Q12 Amortized Credit Write offs New 3Q12
Credits Exits Operations
New Transactions 99.7% of new
Portfolio growth would be
transactions in
656 687 10.3% if we have not
646 3Q12 are classified
498 517 decided for credit exits.
between AA and B.
R$ million
3Q11 4Q11 1Q12 2Q12 3Q12
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6. Multiproduct Offering
...and better exploitation of the +50 product portfolio...
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7. Expanded Credit Portfolio
...increasing the new products share in the portfolio...
3Q11 3Q12
Trade BNDES Guarantees
Trade BNDES Guarantees
Onlendings Issued Finance Onlendings Issued Agricultural
Finance 5% Agricultural 10% Bonds
19% 8% 16% 6%
Bonds 10%
2%
Loans & Private
Private Loans &
Discounts in Credit Bonds Credit Bonds
Discounts in
Real 1% 1%
64% Real
56% Other
Other
1% 1%
Discount
Receivables NCE CCE CCBI
1.0% NCE 1.9% 2.2% 1.8%
Confirming 0.1% Discount
0.8% Receivables
0.2%
Credit Confirming
Assignment 0.6%
6,4%
Credit
Loans Assignment Loans
56.1% 16.5% 32.8%
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NCE: Export Credit Notes; CCE: Export Credit Certificate; CCBI: Real State Credit Bank Note

8. Developing Franchise Value
...in specific niches...
Agricultural Bonds Large Corporates Ecosystem (*)
512
341
307 287
267
R$ million
230
R$ million
162
129 75
52
3Q11 4Q11 1Q12 2Q12 3Q12 3Q11 4Q11 1Q12 2Q12 3Q12
CPR Warrant (CDA/WA) CDCA Receivables from Clients Receivables drawn on Clients
Fixed Income Bonds
94 The expertise development in certain niches
R$ million
60 allows competitive advantages and
41
10 15 profitability increase through fees.
3Q11 4Q11 1Q12 2Q12 3Q12
PNs Debentures Real State Bank Notes
(*) Acquisition and/or assignment of receivables originated by our customers and transactions with
8 receivables of suppliers drawn on our clients (Confirming).

9. Credit Portfolio
…relevant exposure in agribusiness maintained...
3Q12
Other * 14%
Agribusiness 20%
Education 2%
Commerce 3%
Textile, App. & Leather 3%
Chemical & Pharma. 3%
Financial Instit. 3% Food & Beverage 15%
Oil & Biofuel 4%
Transport. & Log. 4%
3Q11
Pulp & Paper 4%
Metal Industry 5% Construction 12%
Other * 14% Agribusiness 18% Automotive 8%
Financial Services 2%
Pulp & Paper 3%
Metal Industry 3%
Oil & Biofuel 3%
Education 3% Food & Beverage 16%
Power Gen. & Distr. 3%
Chemical & Pharma. 3%
* Other industries with less than 2% of share.
Textile, App. & Leather 4%
Transport. & Log. 4% Construction 14%
Financial Inst.. 5%
Automotive 5%
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10. Credit Portfolio
...lower customer concentration and short term maturity profile maintained.
3Q11 3Q12
Client Concentration Client Concentration
11 - 60 11 - 60
largest largest
Top 10 32% Top 10 31%
19% 15%
61 - 160
Other largest
22% 61 - 160 Other
27% 27%
largest
27%
Maturity Maturity
91 to 180
days up to 90 91 to 180
up to 90 22% days days
days 40% 16%
35% 181 to 360
days 181 to 360
15% days
16%
+360 days +360 days
28% 28%
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11. Client Segmentation
Higher share of the Corporate segment
Other
 Credit exits in the Middle Market segment (~R$320mn in 9M12); 2%
Middle
 Migration of clients from Middle Market to Corporate team,
Market
adjusting the segmentation by company size;
42%
 Tactical decision of focusing on short-term higher credit quality Corporate
transactions in the 2H12, for future relocation into more 56%
favorable spreads if macroeconomic scenario improves
(expected for 2013).
Middle Market Corporate
Annual revenues from R$40mn to R$400mn Annual revenues between R$400mn and R$2bn
1,593 1,572 1,501 1,374
1,267 1,128 1,078
831
R$ million
R$ million
641
436
3Q11 4Q11 1Q12 2Q12 3Q12 3Q11 4Q11 1Q12 2Q12 3Q12
Migration of clients from Middle to Corporate = ~ R$200mn as of June 30, 2012 and ~ R$260mn as of Sept.30, 2012
Note: In addition to the Middle Market and Corporate operations above, the Credit Portfolio also includes Other
11 Credits of R$47mn in 3Q12 (Consumer Credit Vehicles, Acquired Loans and Non-Operating Asset Sales Financing).
The Expanded Credit Portfolio also includes Agricultural Bonds, Private Credit Bonds and Guarantees Issued.

12. Credit Portfolio Quality
99.7% of loan volumes granted in the quarter were rated from AA to B
Rating
92.1%
3Q12 6% 37% 35% 14% 8%
 Credits rated between D and H totaled R$200.4
92.1% million as of September 30, 2012:
2Q12 6% 37% 34% 16% 8% − R$122.8 million (5% of Credit Portfolio) in normal
payment course
86.9%
− Only R$77.6 million overdue more than 60 days
3Q11 3% 33% 30% 21% 13%
AA A B C D-H
NPL / Credit Portfolio
 Credits overdue more than 60 days are derived from: 6.3%
− Clients acquired up to March 2011: 2.9%; 5.0%
− Clients acquired from April 2011: 0.1%. 3.2% 2.8% 3.0%
 Installments overdue from 15 days to 60 days over 4.7%
4.1%
credit portfolio dropped to 1.6%, with reduction in
2.7% 2.6%
potential default: 1.8%
− of 0.4 p.p. compared to the 2.0% in 2Q12, and
− of 2.2 p.p. compared to the 3.8% in 3Q11 3Q11 4Q11 1Q12 2Q12 3Q12
NPL 60 days NPL 90 days
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13. Funding
Product mix helps to overcome volume and cost challenge
3Q11 Insured
Time
Time
Deposits
deposits
(DPGE)
(CDB)
31%
28%
LCA
Foreign 7%
2,936 Borrowings
2,736 2,755 20% LF and LCI
2,420 2,533 Onlendings Interbank 0%
8% & Demand
Deposits
6%
3Q12
R$ million
Insured
Time Time
deposits Deposits
(CDB) (DPGE)
3Q11 4Q11 1Q12 2Q12 3Q12 35%
23%
in Local Currency in Foreign Currency LCA
Foreign
Borrowings 11%
15%
Interbank LF and LCI
Onlendings
& Demand 1%
10%
Deposits
5%
LCA: Agribusiness Letters of Credit; LF: Bank Notes; LCI: Real State Letters of Credit
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14. Operating Performance & Profitability
Still impacted by scale and the legacy of customers acquired before 2010...
Net Interest Margin Efficiency Ratio*
7.7%
6.3% 6.6% 6.6% 6.1% 6.7% 74.2% 74.5%
5.7% 68.9% 69.7%
67.6% 65.8%
60.8%
5.8% 5.1%
4.6% 4.8% 4.9% 4.8% 4.2%
3Q11 4Q11 1Q12 2Q12 3Q12 9M11 9M12 3Q11 4Q11 1Q12 2Q12 3Q12 9M11 9M12
NIM NIM(a) *
Net Profit Return on Average Equity (ROAE) %
10.3 10.6
7.3 7.3
R$ million
5.0 5.2
3.1 3.5 2.4
2.4 1.7 2.2
3Q11 4Q11 1Q12 2Q12 3Q12 9M11 9M12 3Q11 4Q11 1Q12 2Q12 3Q12 9M11 9M12
-42.1 -11.0
* Details about the calculation are available in the 3Q12 Earnings Release at www.bip.b.br/ir
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15. Capital Structure & Ratings
Shareholders’ Equity Leverage
Expanded Credit Portfolio / Equity
577.5 577.1 590.5 582.4 587.6 5.1x
4.4x 4.6x 4.8x
3.9x
R$ million
3Q11 4Q11 1Q12 2Q12 3Q12 3Q11 4Q11 1Q12 2Q12 3Q12
Last
Basel Index (Tier I) Agency Rating
Report
21.1% Standard Global: BB/Stable/ B
Aug/12
18.2% 17.5% 17.0% & Poor’s National: brA+/Stable/brA-1
15.8%
Global: Ba3/Stable/Not Prime
Moody’s Nov/11
National: A2.br/Stable/BR-2
FitchRatings National: BBB/Stable/F3 Jul/12
Index: 10.36
3Q11 4Q11 1Q12 2Q12 3Q12 RiskBank Oct/12
Low Risk Short Term
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16. Major Strategic Initiatives
The changing cycle started April 2011 is completed...
 Repositioning of the Bank’s Client Profile & Product Line
 Credit Portfolio Segmentation
 Franchise Value Developments
 Funding Diversification & Cost Reduction
 New Human Resources Policies
 Control Improvements
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17. ...however, to improve profitability we need...
 Larger scale through Credit Portfolio growth and Fee Revenues
 Shifting part of short term Corporate Credit Portfolio by higher spread Middle
Market transactions
 Development of IB activities: Fixed Income
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18. ...and, in the medium & long run, focus on four pillars…
VISION
To be an innovative bank
with excellence in corporate credit and
deep understanding of our clients’ businesses
and industries they operate, becoming also one of the
leading players of the high-growth Brazilian corporate bond market.
SERVICES & FRANCHISE VALUE PROCESSES &
PEOPLE PRODUCTS TECHNOLOGY
To develop credit and
Development To build up Technology as
risk analysis expertise
Investment Banking in identified niches
differential
Attraction and Fixed Income
To create structures to Continuous process
Motivation Incentive X-selling promote competitive review in search for
advantages excellence in all
Alignment
departments
Ethics & Credibility
Ethics & Credibility TeamworkExcellence Client Focus Innovation
Excellence
Ownership Attitude Teamwork
Ownership Attitude
Client Focus Innovation Commitment to Resultsto Results
Commitment
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19. In a Nutshell...
 Focus on developing Middle and Corporate customer base maintained.
 As a response to the 2Q12 macroeconomic scene, we decided to temporarily focus even
further in credit quality, booking short term deals, consequently with lower spreads and
increased share of the Corporate segment in the Credit Portfolio.
 We seek creating franchise value: Specializing in certain niche business ensures the ability
to detect opportunities, evaluate risks and develop structures and products creating
competitive advantages.
 The increase of cross selling and investment activities will increase fee income, improving
our profitability and efficiency.
 Continuous processes, systems and controls review aiming at reducing costs and
inefficiencies and increasing our speed and safety.
 Consolidation of meritocracy to adequately compensate and motivate people, who are
fundamental for the success of our strategy.
 Finally, we constantly monitor the volatile scenario and market movements and we are
alert to business opportunities aligned to our Vision and Values.
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