1. Paraná Banco
Conference Call 2Q11

2. Conference Call 2Q11
Disclaimer
All financial information herein is presented on a consolidated basis, and includes the financial statements of
the Bank, its subsidiaries, JMalucelli Seguradora, JMalucelli Seguros, JMalucelli Resseguradora, JMalucelli
Agenciamento, JMalucelli Investimentos and Paraná Administradora de Consórcio. All information, except
when otherwise indicated, is expressed in Brazilian currency (Reais) and was prepared based on the
accounting practices pursuant to Brazilian Corporate Law, associated with the regulations and instructions
issued by the National Monetary Council (CMN), the Brazilian Central Bank (BACEN), the Brazilian Securities
and Exchange Commission (CVM), the National Council of Private Insurance (CNSP), the Brazilian Private
Insurance Authority (SUSEP) and the Accounting Standards Committee (CPC), as applicable.
The information contained in this material regarding future events is exposed to risks and uncertainties and
subject to changes resulting from, but not limited to, market behavior, economic and political situation of
Brazil and legislative and regulatory changes. The information herein is entirely based on the Bank
Administration’s performance expectations and is no guarantee of future results.
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3. Conference Call 2Q11
Key Financial Numbers (consolidated)
Net Income :
R$ 300,0 million in 1H11 Total Deposits:
Historical Record
Adjusted Net Income R$ 66.3 Million
R$ 1,475.8 million
25.7% x 2Q10
20.8% x 1H10
Profitability – 2Q11:
Total Assets:
Adjusted ROAE - 14.6%
R$ 3,258.6 million
10.3% x 2Q10 Adjusted ROAA - 4.3%
NIM – 11.6%
Loan Portfolio:
Fitch Rating
R$ 1,753.1 million
22.5% x 2Q10 Upgraded rating from “A-(bra)” to
Portfolio from AA e C - 95.9% of Parana “A(bra)”
Banco consolidated Portfolio
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4. Conference Call 2Q11
Adjusted net income
450.000
16.3% 16.4% 16,0%
400.000
14.6% 14.3% 14.3% 14,0%
350.000
300,008 12,0%
300.000
266,467
10,0%
250.000
8,0%
200.000
6,0%
150.000
100.000
54,196 54,935 66,335 4,0%
50.000
31,836 30,838 33,541 32,543 33,792 2,0%
- 0,0%
2Q10 1Q11 2Q11 1H10 1H11
Accounting net income Adjusted net income ROAE adjusted
(R$ thousand) 2Q11 1Q11 2Q10 1H11 1H10
Accounting Net Income 266,467 33,541 31,836 300,008 54,196
Extraordinary Events (232,675) (998) (998) (233,673) 739
(-) Premium fiscal effects (998) (998) (998) (1,996) (1,996)
(+) Allowance drag-along for losses - - - - 1,045
(+) Losses with Marketable securities (FIDC II) - - - - 1,690
(-) Change in equity (248,501) - - (248,501) -
(+) Change in the accounting regime of comissions 6,867 - - 6,867 -
(+) Adjustment on provisions 4,184 - - 4,184 -
(+) Expense with financial advisor 5,773 - - 5,773 -
Ajusted net income 33,792 32,543 30,838 66,335 54,935
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5. Conference Call 2Q11
Financial Performance
00
15,0%
400000 1
12.0% 11.8% 11.6% 12,6%
11,5%
00
10,0%
300000 1
00
5,0%200000 5
251,546
00 0,0%100000 0
189,479
121,992 129,554
98,905
- -5,0% 0 -5
(48,881) (60,246) (72,428) (89,979)
(132,674)
00) -100000
-10,0% -1
2Q10 1Q11 2Q11 -200000 1H10 1H11 -1
00) -15,0%
Interest Income
Net Interest Margin (Before allowance for Doubtful Accounts) - NIM
Interest Expenses
2Q11 x 2Q11 x 1H11 x
R$ Thousand 2Q10 1Q11 2Q11 1H11 1H10
2Q10 1Q11 1H10
Net Income from Financial Operations 50,024 61,746 57,126 14,2% (7,5%) 118.872 99.500 19,5%
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6. Conference Call 2Q11
Performance Indicators
Efficiency ratio - adjusted ROAA - adjusted ROAE - adjusted
49,4% 4,3% 4,2% 4,3% 16,3% 16,4%
47,1% 14,6%
45,2%
2Q10 1Q11 2Q11 2Q10 1Q11 2Q11 2Q10 1Q11 2Q11
Significant increase in the Consolidated Shareholder’s Equity
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7. Conference Call 2Q11
Credit Portfolio Quality
Evolution of the Loan Portfolio - Consolidated
(R$ million)
2.000,0 7,0%
1.800,0 1,753.1
1,625.9 6,0%
1,517.9 1,551.9
1.600,0 1,431.4
1.400,0 5,0%
4.0% 3.9%
1.200,0
4,0%
3.3% 3.2% 3.3%
1.000,0
2.4% 3,0%
800,0 2.4%
1.9% 1.9% 2.0%
600,0 2,0%
400,0
1,0%
200,0 52.1 36.5 26.2 18.7 7.3
- 0,0%
2Q10 3Q10 4Q10 1Q11 2Q11
Balance of assignments with co-obligation Loan Operations
Allowance for doubtful accounts/Loan Portfolio LevelH/Loan Portfolio
Parana Banco does not make use of loans assignment as an instrument of funding.
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8. Conference Call 2Q11
Credit Portfolio Quality
2Q11 x 1H11 x
R$ 2Q11 1Q11 1Q11
2Q10 2Q11 x 2Q10 1H11 1H10 1H10
Allowance for Doubtful Accounts (PDD) 57,423 52,141 10.1% 58,805 (2.4%) 57,423 58,805 (2.4%)
Portfolio overdue (> 60 days) 70,413 64,072 9.9% 67,595 4.2% 70,413 67,595 4.2%
Portfolio overdue (> 90 days) 55,964 51,338 9.0% 54,251 3.2% 55,964 54,251 3.2%
Portfolio overdue (> 180 days) 33,428 29,721 12.5% 31,109 7.5% 33,428 31,109 7.5%
(a)
Total Portfolio* 1,760,335 1,644,618 7.0% 1,483,493 18.7% 1,760,335 1,483,493 18.7%
Portfolio Coverage Index (PDD / > 60 days) 81.6% 81.4% 0.2 p.p. 87.0% -5.4 p.p. 81.6% 87.0% -5.4 p.p.
Portfolio Coverage Index (PDD / > 90 days) 102.6% 101.6% 1.0 p.p. 108.4% (5.8 p.p.) 102.6% 108.4% (5.8 p.p.)
Portfolio Coverage Index (PDD / > 180 days) 171.8% 175.4% (3.7 p.p.) 189.0% (17.2 p.p.) 171.8% 189.0% (17.2 p.p.)
PDD / Total Portfolio 3.3% 3.2% 0.1 p.p. 4.0% (0.7 p.p.) 3.3% 4.0% (0.7 p.p.)
(b)
Written-off credits 8,751 8,110 7.9% 10,530 -16.9% 16,861 23,377 -27.9%
Loss rate (b/a) 0.5% 0.5% 0.0 p.p. 0.7% (0.2 p.p.) 1.0% 1.6% (0.6 p.p.)
* Includes the balance of the loan portfolio assigned with co-obligation.
Individuals Companies
Loans overdue > 90 days (%) Loans overdue > 90 days (%)
8.1 7.7
7.0 6.5 6.4
5.9 6.0 5.7 6.0
5.2 4.9 4.4 4.0 4.0 3.8 3.6 3.6 3.5 3.5 3.7 3.8
3.1 2.8 2.8
1.7
1.1 0.8 0.6 0.4 2.7 2.4 2.5
3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Financial system Financial system
Paraná Banco - Payroll Deductible Loan Portfolio Paraná Banco - Middle Market Portfolio
Fonte: Brazilian Central Bank
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9. Conference Call 2Q11
Performance – Payroll – Deductible Loan
Payroll-Deductible Loan Portfolio Payroll-Deductible Loan Origination
(R$ million) (R$ million)
∆% QoQ
4.4%
340.4 325.1
302.1 291.9
277.9
1,335.1 1,424.9 1,487.6
1,223.6 1,303.5
2Q10 3Q10 4Q10 1Q11 2Q11 2Q10 3Q10 4Q10 1Q11 2Q11
Payroll-Deductible Loan Portfolio
Quality of the Payroll-Deductible Loan Portfolio
4.96% 0.02% 1.9% 1.7%
States
Municipality
22.58% AA - C
45.04% INSS
D-G
Federal Entities
H
Others
27.38%
96.3%
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10. Conference Call 2Q11
Distribution Channels – Payroll Deductible Loan
1
2
14 Own Stores 1
80 Exclusive Brokers 1
3
+ 333 Brokers 1
1
1 % do GDP
1 4
1
GDP per State (2008) 4
5 5 8,5%
12,9%
<R$ 200 bilion
3 24,6%
R$ 100 bilion > < R$ 200 bilion 1 3
1
R$ 50 bilion > < R$ 100 bilion 1 54,1%
< R$ 50 bilion
Source: IBGE
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11. Conference Call 2Q11
Performance – Middle Market Sector Distribution - Middle Market
30,8%
Industry
Middle Market loan portfolio evolution - Commerce
(R$ thousand) 15,0%
Services
+16.2% 54,1%
Quality of the Middle Market Portfolio
212,134 224,366 1,6%
193,164 206,183 0,6%
175,693
AA - C
D-G
2Q10 3Q10 4Q10 1Q11 2Q11 H
97,8%
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12. Conference Call 2Q11
Strategy – Middle Market
Number of clients
165
1
31
18,8%
2
Units operating
Midle Market Synergy with JMalucelli
Seguradora 4 PLATAFORMAS DE MIDDLE MARKET
1
•CURITIBA/PR
POTENTIAL: ONLY 3% OF SYNERGY •SÃO PAULO/SP
EXPLORED •LONDRINA/PR
•FLORIANÓPOLIS/SC
POTENTIAL: AVERAGE DEBIT-TO-
CREDIT RATIO OF 51.1%
POTENTIAL: NEW PRODUCTS
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13. Conference Call 2Q11
Funding
Funding Sources
Deposits distribution
(R$ million)
1,476.5
Insttutional Investors
19,0%
Related Parties
48,1% Individuals
212.3 13,7%
7.3 Other Companies
2008 2009 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 12,9% Financial Institutions
6,3%
FIDCs Loans Assigment MTN Deposits
MTN: Medium Term Notes
Tranche Coupon
Granting date Maturity Hedge
(USD thousand) (p. a)
100,000 December/2009 December/2012 7.375% 100%
35,000 August/2008 August/2011 7.750% 100% + Interest
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14. Conference Call 2Q11
Capital Structure
Equity Changes (R$ thousand) 1H11 1H10
Initial Balance 827,660 788,780
Net Income 300,008 54,196
Interest on Equity (14,992) (18,651)
Dividends
Treasury shares (433) (27,892)
Adjustment to market value - Marketable securities (449) 101
Final Balance 1,091,514 796,534
Portfolio / Shareholder`s Equity Basel Index
1.80 1.86 1.88 1.90
1.61 39.5%
33.9% 33.2% 32.7% 32.8%
2Q10 3Q10 4Q10 1Q11 2Q11 2Q10 3Q10 4Q10 1Q11 2Q11
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15. Conference Call 2Q11
Ratings
UPGRADED
Long- and short-term national ratings upgraded to ’A(bra)’ from ’A-(bra)’, and to ’F1(bra)’ from
´F2(bra)´, respectively.
“This upgrade reflects Fitch´s opinion that the bank has been successful in its strategy of
seeking greater diversification of operations in a discreet manner, notably adding operating
results.” (Fitch Rating)
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16. Conference Call 2Q11
Corporate Governance
Acquired Average Total Cost
Programs Status
Shares Price (R$ million)
1 4,155,600 8.85 36,768 Ended on 07/07/2008
2 4,072,300 5.06 20,604 Ended on 03/17/2009
3 3,331,800 4.06 13,526 Ended on 04/01/2009
4 2,987,200 5.55 16,568 Ended on 05/27/2009
5 2,756,400 8.61 23,746 Ended on 10/13/2009
6 2,056,100 10.00 20,557 Ended on 05/20/2010
7 2,611,900 9.10 23,759 Ended on 08/12/2010
8 952,500 8.88 8,457 Ended on 12/17/2010
9 34,000 13 433 Ongoing
Total 22,957,800 7.16 164,419
Interest on Own Capital (IOC) per share – 2Q11: R$ 0.10
Dividends per share - 2Q11: R$ 0.23
2Q11 Payout : 10.9%
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17. Insurance
Conference Call 2Q11

18. Conference Call 2Q11
Insurance Group
JM Seguradora Adjusted Net JM RE Adjusted Net Income:
Income : R$ 6.0 Million in 2Q11
ROAE de 7.2%
R$ 16.0 millions in 2Q11 Adjusted to investment in 2Q11
ROAE de 42.0%
Share of Insurance Business: Market share :
53.2% of Net Income JM Seg: 33.6% (may/11)
Adjusted in 2Q11 JM Re: 35.7% (may/11)
Seguradora Combined Ratio : Fitch Rating
JM Resseguradora upgraded
53.8%
Down 11.3 p.p. x 1Q11 from“A-(bra)” to “A(bra)”
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19. Conference Call 2Q11
Parana Banco and Travelers Brazil LLC Partnership
Control Group Others
54.6 % 45.4 %
56.6% 43.4%
JMalucelli
Participações em
Seguros e Resseguros
100.0 %
JMalucelli
JMalucelli Seguradora JMalucelli Seguros
Resseguradora
Equity (2Q11) = 188.5 MM Equity (2Q11) = 575.5 MM Equity (2Q11) = 102.0 MM
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20. Conference Call 2Q11
P&C Market
Total Insurance Market
R$ 90,1 bi
R$ 76,6 bi
R$ 67,8 bi
R$ 58,4 bi 41.8%
42.8%
47.6% R$ 41,1 bi
47.4% R$ 34,4 bi
57.0% 59.1%
57.2% 58.2%
52.6% 52.4% 40.9%
43.0%
2007 2008 2009 2010 2010 - Until 2011 -Until
May May
Life insurance P&C
Insurance group
Market evolution
(R$ - milion) 2.2%
2.9%
3.1% 5.3%
Auto
5.2%
Property
416.8 466.4 460.1 Transport
301.1
Mortgage insurance
96.4 93.1 94.7 147.8
21.6% Financial risks
59.8%
2007 2008 2009 2010 Liability
Other
D&O Engineering risks
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21. Conference Call 2Q11
Surety Bond Market
Market share - direct premiums surety bond
(R$ thousand) Market Share - reinsurance premiums
726,400
Financial risk category
694,787
0.6% J. MALUCELLI
RESSEGURADORA
499,334
11.9%
IRB BRASIL
346,089 RESSEGUROS
304,517 35.7%
263,570
MUNICH RE DO BRASIL
192,364 22.5%
167,452 RESSEGURADORA
32.6%
50.4% 43.0% 40.4%
MAPFRE RE DO BRASIL
42.3% 28.8% 33.6% CIA DE RESSEGURO
37.0%
2005 2006 2007 2008 2009 2010 may/10 may/11 28.9% XL RESSEGUROS BRASIL
JMalucelli Seguradora Market
Source: SUSEP
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22. Conference Call 2Q11
Financial Performance
Adjusted Net Income(R$ Thousands) Adjusted Net Income(R$ Thousands)
JMalucelli Seguradora JMalucelli Resseguradora
∆% YoY ∆% QoQ
28,2% 39,8% ∆% QoQ
∆% YoY
56,1% 22,1%
16,020
12,492 11,456
5,983
4,902
3,815
2Q10 1Q11 2Q11 2Q10 1Q11 2Q11
22

23. Conference Call 2Q11
Combined Ratio
Monthly evolution of composite rate and expanded composite rate*
*For the market, all insurance products included. For JMalucelli Seguradora guarantee insurance and DPVAT included.
94,0%
82,0%
65,0%
50,0%
JM Seguradora Market Expanded JM Seguradora Expanded mercado
Source: SUSEP
23

24. Conference Call 2Q11
Operational Performance (Insurance)
Insurance Claims
(R$ thousand) 92.701
76.155 76.004 76.418
29.950
16.146
12.028
9.056 7.960 9.073
6.457 4.138
4.025 2.372
2005 2006 2007 2008 2009 2010 May-2011
Market JMalucelli Seguradora
JM Seguradora counts on a team specializing in claims to mediate and regulate all claims received from
clients. The principle consists in the legal defense of the parties involved, as well as in the full opportunity
to discuss the controversies in question.
Source: SUSEP
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25. Conference Call 2Q11
Investment Policy
Portfolio of financial investments
(R$ million)
53.4 1,040.2
75.5
594.7
49.4
17.1% Profitability of investments
5.52% 5.45%
Others = R$ 131.1
DPGE = R$ 430.4 57,2%
267.3 CDB = R$ 33.3
2.80% 2.74%
25.7%
Bonds Fixed Income Equities Multimarket Investment Total 2Q11 1H11
Funds
CDI Investments JM Seguros
Profitability: Financial income of R$ 16.8 million in 2Q11.
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26. Conference Call 2Q11
Investors relations
Cristiano Malucelli Mauricio N. G. Fanganiello
IR Officer IR Manager
Phone: (55 41) 3351-9950 Phone: (55 41) 3351-9765
Marianne C. Baggio
e-mail: ir@paranabanco.com.br IR Specialist
IR Website: www.paranabanco.com.br/ri
Phone: (55 41) 3351-9645
This material may include estimates and forward-looking statements. These estimates and forward-looking statements are mostly based on current expectations and projections of
future events and financial trends which impact or may impact our business. Many important factors may have a negative impact on Banco Parana Banco’s results, such as those
anticipated in our estimates and forward-looking statements. These factors include, but are not limited to, domestic and international economic conditions, fiscal, foreign exchange
and monetary policies, increased competition in the consigned credit sector, Banco Parana Banco’s funding capacity to support its operations, and changes in Central Bank’s
standards. The words “believe”, “can”, “may”, “aims”, “estimates”, “continues”, “anticipates”, “intends”, “expects” and other similar words are intended to identify estimates and
projections. The considerations on estimates and forward-looking statements include information concerning results and projections, strategy, competitive position, sector
circumstances, growth opportunities, future regulation and competition impacts.
These estimates and projections refer only to the date that they were expressed, and no undertaking has been made to publicly update or revise them resulting from new
information, future events or any other factors. Due to the risks and uncertainties set forth herein, the estimates and forward-looking statements in this material many not
materialize. Considering these limitations, the shareholders and investors should not make any decisions based on the estimates, projections and forward-looking statements
contained herein.
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