4th Quarter

Results Presentation

Disclaimer

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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.

Highlights

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Expanded Credit Portfolio came to R$3.1 billion (+2.6% QoQ and +21.0% YoY), with R$728

million new loans granted in the period (11% above 4Q11).

The Corporate segment reached 59.3% of the Expanded Credit Portfolio. We have maintained

the tactics of originating higher quality assets with shorter term in order to resume origination

of higher spread assets in a more favorable macro scenario, expect for 2013.

Continuous improvement in the quality of the Credit Portfolio: the share of credits rated from

AA to B increased to 79.1% of the Expanded Credit Portfolio at the end of 2012 (69.9% at the

end of 2011); 99.2% of the new loans granted in the quarter were rated between AA and B.

Reduction in past due loans above 60 days to 1.5% by the end of 2012 (-1.5 p.p. QoQ and 3.5

p.p. YoY)

Revenues from Services climbed R$26.4 million in 2012, +32.3% YoY.

Net Profit totaled R$3.6 million in 4Q12 (+15.8%) e R$14.2 million in the year.

Association with Lifegrain Holding de Participações Ltda, company of the Ceagro Agrícola Ltda,

through the creation of the joint venture C&BI Agro Partners. In February 2013, we signed the

Purchase and Sale Commitment to acquire Voga Empreendimentos e Participações Ltda.

2,534 2,759 2,807 2,991 3,068

4Q11 1Q12 2Q12 3Q12 4Q12

R$

mill

ion

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)

Expanded Credit Portfolio Growth still driven by shorter term assets given the macroeconomic environment...

4

Expanded Credit Portfolio Development ...maintaining the focus on higher quality assets...

656 646 517

687 728

4Q11 1Q12 2Q12 3Q12 4Q12

R$

mill

ion

New Transactions

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2,991 3,068 728 (552)

(85) (15)

3Q12 Amortized Credits

Credit Exits

Write offs New Operations

4Q12

R$

mill

ion

99,2% of new

transactions in

4Q12 are classified

between AA and B.

Multiproduct Offering …employing the +50 product portfolio...

6

Loans 33.1%

Credit Assignments

15.6%

Confirming 0.1%

Discount Receivables

0.3%

NCE 3.7%

CCE 2.4%

CCBI 1.7%

Loans 53.2%

Credit Assignments

5.9%

Confirming 1.6%

Discount Receivables

0.7%

NCE 0.3%

CCE 0.1%

CCBI 0.2%

Expanded Credit Portfolio …and increasing the new products share in the portfolio...

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Loans & Discounts in

Real 62%

Trade Finance

18%

BNDES Onlendings

8%

Guarantees Issued

6% Agricultural

Bonds 5% Private

Credit Bonds 0.4% Other

1%

4Q11

Loans & Discounts in

Real 57%

Trade Finance

14%

BNDES Onlendings

11%

Guarantees Issued

5% Agricultural

Bonds 11%

Private Credit Bonds

1.3% Other 1%

4Q12

NCE: Export Credit Notes; CCE: Export Credit Certificate; CCBI: Real State Credit Bank Note

189

315 371

529 482

4Q11 1Q12 2Q12 3Q12 4Q12

R$

mill

ion

Large Corporate Ecosystem (*)

Receivables from Clients Receivables drawn on Clients

129 230 267 307 327

4Q11 1Q12 2Q12 3Q12 4Q12

R$

mill

ion

Agricultural Bonds

CPR Warrant (CDA/WA) CDCA

Developing Franchise Value ...in specific niches...

8

15 41

60

94 92

4Q11 1Q12 2Q12 3Q12 4Q12

R$

mill

ion

Fixed Income Bonds

PNs Debentures Real State Credit Bank Notes

The expertise development in certain niches and

structures that create competitive advantages

allows profitability increase through fees.

(*) Acquisition and/or assignment of receivables originated by our customers and Transactions with receivables of suppliers drawn on our clients (Confirming).

1.6% 1.9% 2.0% 2.0%

2.6% 3.0% 3.1% 3.4% 3.5% 3.6% 3.8%

4.5% 4.8%

6.4% 8.1%

14.4% 14.6%

16.8%

Financial institutions Advertising & Publishing

Commerce Individuals

Oil & Biofuel Education

Metal Industry Transport. & Log. Financial Services

Chemical & Pharma Pulp & Paper

Power Gen. & Distr. Textile, App. & Leather

Automotive Other*

Construction Food & Beverage

Agribusiness

4Q11

1.5% 1.6%

2.1% 2.4%

3.2% 3.2% 3.5% 3.5% 3.9% 4.0% 4.1%

6.5% 11.9%

13.1% 13.3%

22.2%

Financial Services Machinery and Equipments

Oil & Biofuel Education

Pulp & Paper Textile, App. & Leather

Commerce Metal Industry

Chemical & Pharma Electronics

Transport. & Log. Automotive

Other Industry Food & Beverage

Construction Agribusiness

4Q12

Expanded Credit Portfolio ...with relevant exposure in agribusiness...

9 * Other industries with less than 1.5% of share.

Expanded Credit Portfolio ...and lower customer concentration and short term maturity profile maintained.

10

Up to 90 days 38%

91 to 180 days 16%

181 to 360 days 17%

+360 days 29%

Maturity

Top 10 14%

11 - 60 largest

31%

61 - 160 largest

28% Other 27%

Client Concentration

Up to 90 days 40%

91 to 180 days 19%

181 to 360 days 15%

+360 days 26%

Maturity

Top 10 17%

11 - 60 largest

32%

61 - 160 largest

27%

Other 24%

Client Concentration

4Q11 4Q12

Tactical decision of originating higher quality assets

with shorter term in 2H12. In a better scenario,

expected for 2013, we will promote the portfolio

reallocation into more favorable spreads.

Average Exposure per Client:

‒ Corporate = R$5.2 million

‒ Middle Market = R$2.4 million

1,572 1,501 1,267

1,128 1,200

4Q11 1Q12 2Q12 3Q12 4Q12

R$

mill

ion

Middle Market

641 831

1,078 1,374

1,820

4Q11 1Q12 2Q12 3Q12 4Q12

R$

mill

ion

Corporate

Client Segmentation Corporate increases its share in the credit portfolio

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Migration of clients from Middle to Corporate = ~ R$200mn as of June 30, 2012 and ~ R$260mn as of Sept.30, 2012

Middle Market

39%

Corporate 59%

Other 2%

Annual revenues from R$40mn to R$400mn Annual revenues of between R$400mn and R$2bn

Note: In addition to the Middle Market and Corporate operations above, the Credit Portfolio also includes Other Credits of R$43,0 mn in 4Q12 (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.

Credits overdue more than 60 days are derived from: − clients acquired up to March 2011: 1.2%;

− clients acquired from April 2011: 0.3%.

NPL indexes show significant improvement due to

the strategy embraced in 2011, focusing on higher

quality and shorter term assets.

2%

6%

2%

40%

37%

42%

28%

35%

35%

20%

14%

13%

10%

8%

8%

4Q11

3Q12

4Q12

Rating

AA A B C D - H

5.0%

3.2% 2.8% 3.0%

1.5% 4.7%

2.7% 2.6% 1.8% 1.2%

4Q11 1Q12 2Q12 3Q12 4Q12

NPL / Credit Portfolio

NPL 60 days NPL 90 days

79.1%

Credit Portfolio Quality 99.2% of loan volumes granted in the quarter were rated from AA to B

78.4%

69.9%

Credits rated between D and H totaled R$203.2

million at the end of 2012:

− R$163.5 million (80% of Credit Portfolio between D

and H) in normal payment course

− Only R$39.6 million overdue more than 60 days

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Time deposits

(CDB) 29%

Insured Time

Deposits (DPGE)

30%

LCA 8%

LF and LCI 0.3% Interbank &

Demand Deposits

6%

Onlendings 9%

Foreign Borrowings

18%

4Q11

2,533 2,736 2,755 2,936 2,999

4Q11 1Q12 2Q12 3Q12 4Q12

R$

mill

ion

in Local Currency in Foreign Currency

Funding Product mix helps with cost reduction

13 LCA: Agribusiness Letters of Credit; LF: Bank Notes; LCI: Real State Letters of Credit

Time deposits

(CDB) 24%

Insured Time

Deposits (DPGE)

34%

LCA 12%

LF and LCI 1%

Interbank & Demand Deposits

5%

Onlendings 11%

Foreign Borrowings

13%

4Q12

Operating Performance and Profitability

74.2% 67.6%

60.8% 69.7%

78.4% 74.4%

68.7%

4Q11 1Q12 2Q12 3Q12 4Q12 2011 2012

Efficiency Ratio*

4.8% 4.9% 5.8%

4.8% 5.1% 4.3% 5.0%

6.7% 6.6% 7.7%

6.1% 5.9% 5.9% 6.4%

4Q11 1Q12 2Q12 3Q12 4Q12 2011 2012

Net Interest Margin

NIM NIM(a) *

14

10.3

5.0 2.4 3.1 3.6

14.2

4Q11 1Q12 2Q12 3Q12 4Q12 2011 2012

R$

mill

ion

Net Profit

7.3

3.5 1.7 2.2 2.5

-6.3

2.4

4Q11 1Q12 2Q12 3Q12 4Q12 2011 2012

Return on Average Equity (ROAE) %

-31.7

* Details about the calculation are available in the 4Q12 Earnings Release at www.bip.b.br/ir

577.1 590.5 582.4 587.6 587.2

4Q11 1Q12 2Q12 3Q12 4Q12

R$

mill

ion

Shareholders’ Equity

18.2% 17.5% 17.0% 15.8% 14.9%

4Q11 1Q12 2Q12 3Q12 4Q12

Basel Index(Tier I)

4.4x 4.7x 4.8x 5.1x 5.2x

4Q11 1Q12 2Q12 3Q12 4Q12

Leverage Expanded Credit Portfolio/ Equity

Capital Structure & Ratings

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Agency Rating Last

Report

Standard & Poor’s

Global: BB/Stable/ B National: brA+/Stable/brA-1

Aug/12

Moody’s Global: Ba3/Stable/Not Prime National: A2.br/Stable/BR-2

Feb/13

FitchRatings National: BBB/Stable/F3 Nov/12

RiskBank Index: 10.68 Low Risk Short Term

Jan/13

In 2012 the changing cycle started April 2011 was completed…

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Repositioning of the Bank’s Client Profile & Product Line

Credit Portfolio Segmentation

New Human Resources Policies

Control Improvements

Funding Diversification & Cost Reduction

Franchise Value Developments

…and 2013 we are seeking synergies and expanding business...

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VOGA

SERTRADING

AGROSEC

SECURITIZATION OF AGRO BONDS

DEVELOPMENT OF INVESTMENT BANKING

ACTIVITIES

IMPROVEMENT OFCREDIT PORTFOLIO THROUGH ITS CLIENTS

C&BI AGRO PARTNERS

IMPROVEMENT OF AGRIBUSINESS

PORTFOLIO

(expertise in the Midwest - soybeans and corn)

VOGA | Areas of Expertise

HEADQUARTERED IN SÃO PAULO, VOGA HAS BRANCHES IN 4 OTHER

BRAZILIAN STATES

Presence in Brazil

VOGA: A Full Service Financial Advisory and M&A Boutique

Merger and Acquisition

Transactions involving mergers, acquisitions, sales or divestures, focused on maximizing client value;

Includes corporate finance services related to capital structure, governance, valuation and business plan development.

Capital Raising

Services comprising all stages of equity and debt raising, from the development of a business plan and marketing material to the negotiation of final terms with investors.

Pre IPO Advisory

Supporting clients in evaluating the appropriateness of an IPO, assisting in its planning, and in the execution of the valuation, necessary audits, legal advice and governance analysis.

Restructuring

Corporate restructurings including negotiations between existing shareholders or corporate reorganizations.

Corporate Governance and Risk Assessment

Advisory on the development of corporate governance structures as well in the elaboration of business plan and at the identification of the optimal capital structure, accordingly with the company perspective of growth.

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PORTO ALEGRE

SÃO PAULO (HEADQUARTERS)

BELO HORIZONTE

FORTALEZA

RIO DE JANEIRO

Partners have complementary skills from previous experiences

at companies and financial institutions including:

• Mergers and acquisitions / Corporate finance

• Restructurings

• Capital raising (debt and equity)

• Asset management

• Consulting

Transactions concluded by the partners involve over US$50

billion

Partners

VOGA Partners: Extensive IB Experience

Alexandre Dória

(26 years)

Rodrigo Rocha

(17 years)

Samuel Oliveira

(25 years)

Rogério Pacheco

(19 years)

STRATEGY: FULLY INTEGRATED WITH BI&P CURRENT STRUCTURE, LEVERAGING CURRENT AND GROWING CLIENT BASE WITH IB-RELATED

PRODUCTS, NOTABLY M&A AND FIXED INCOME.

CEAGRO: Acting with excellence in agricultural chain

EXPERTISE

PRESENCE

VERSATILITY

Partner with deep understanding of the agricultural sector players, both in credit and production;

High presence in the state Mato Grosso;

Acting with excellence in the agricultural chain (origination; financing; acquisition and barter of inputs; and warehousing, logistics and distribution for domestic and international markets).

FUNDING

SECTOR

PRODUCTS

BI&P has great funding capacity at competitive costs;

Deep understanding of Brazilian agribusiness sector;

BI&P has a diversified and innovative product portfolio specifically to the sector.

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Focus: financing solutions to soybeans and corn agricultural chain.

Objective:

To develop and enhance agricultural financial products in the state of Mato Grosso

Increase reliability in credit analysis for agricultural producers

To provide clear and fast processes for agricultural bonds.

A reliable and new financing tool for grain producers

Structuring of innovative financial operations to the acquisition of agricultural inputs,

as seeds, fertilizers, pesticides and others

C&BI Agro Partners: joint venture between Banco Indusval & Partners and Ceagro Agrícola Ltda

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2013 Strategy

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Achieve economies of scale through Credit Portfolio growth and Fees

Resume the strategic Expanded Credit Portfolio balance: 50% Middle Market

and 50% Corporate

Promote IB activities – Fixed Income through the expertise of Voga

Participações e Empreendimentos Ltda

Continuous processes, systems and controls review aiming reduction costs to

increase efficiency

Q & A