Corporate Presentation - December 2017

1. 0
BANCO INDUSTRIAL DO BRASIL S.A.
INSTITUTIONAL PRESENTATION
DECEMBER 2017

2. 1
CONTENT
Overview
History
Group’s Structure
Management
Assets and Liabilities
International Highlights
Trade Finance Portfolio
Financial Highlights
Ratings
Contact
02
03
04
05
06
13
14
15
16
19

3. 2
OVERVIEW
The Company
 Banco Industrial do Brasil is a Brazilian privately owned bank, established in 1994 through the
acquisition of Banco Santista (Bunge Group). With 269 employees, the Bank is headquartered in its
own building located in São Paulo city and has another 9 branches located in the cities of
Campinas/SP, Rio de Janeiro/RJ, Curitiba/PR, Goiânia/GO, Salvador/BA, Manaus/AM, Macapá/AP,
Rio Branco/AC and Nassau/Bahamas.
Corporate Profile
 Specialized in the financing of medium-sized enterprises (SMEs), the Bank seeks to establish a long-
term relationship with its customers, ensuring a deep knowledge of their needs and agility to meet
their demands. Banco Industrial prioritizes the high quality of its loan portfolio by adopting a
conservative credit policy.
Main Products
 Working capital, overdraft facilities, receivables discounting, BNDES (Brazilian Development Bank)
onlending, pre export, export prepayment, NCE, CCE, import financing, Res. 4131 and guarantees.
Business Model  Defined by a low leverage level, strictness in lending and the maintenance of a high liquidity level.

4. 3
► In January, Brazilian Central Bank approved a US$ 15 million, 10 years, subordinated debt from DEG.
HISTORY
► BIB changes its strategy focusing on credit operations, offering working capital loans secured by mortgages and machines, and BNDES
loans to the middle market segment.
► Mr. Carlos Alberto Mansur acquires Banco Santista (Bunge Group) and establishes Banco Industrial do Brasil (BIB), so far focused on
treasury operations.
► BIB establishes a short term note (STN) program of US$ 50 million.
► New branches are opened and BIB implements its new credit policy with focus on receivables as guarantees.
► The bank consolidates its strategy of having both diversified credit portfolio (50% in middle market and 50% in consumer loans) and funding
structure: CDs, credit assignments, BNDES loans, short term note and multilateral banks (IDB/DEG).
► The bank starts its activities in consumer loans (payroll deductible loans).
► R$ 180 million capital injection from the major shareholder Mr. Carlos Alberto Mansur. The bank approves a new credit portfolio strategy:
80% in middle market and 20% in consumer loans.
► The bank signs a US$ 45 million A/B Loan agreement with IFC.
► BIB joins IFC’s Global Trade Finance Program seeking to expand its trade finance portfolio.
► In January, Mr. Mansur acquires 80% of Suape II Thermoelectric Plant from Bertin Group (see slide 17).
► In August, the Bank receives a new senior loan from DEG, amounting US$ 15 million, with 8-year maturity.
► Banco Industrial do Brazil was awarded the Best SME Brazilian Bank by World Finance Banking Award.
1994
1995
2000
2002
2004
2006
2007
2008
2009
2010
2011
2013
► In March, BIB signs a 3-year, US$ 15 million, A Loan facility with IFC. The funds are directed to small and medium-sized companies
managed by women.2014
2017
► The bank receives a license from the Central Bank of Bahamas to open a branch in Nassau.
► In June, the Bank signs a US$ 81.2 million A / B / MCPP Loan agreement with IFC.
► In July, the Bank receives a new senior loan from DEG, amounting US$ 15 million, with 7-year maturity.

5. 4
GROUP’S STRUCTURE
* See slide 17
Bahamas Branch
99.99%
99.64% 99.99%
Mr. Carlos Alberto Mansur
Banco Industrial
do Brasil S.A.
IB DTVM
Nova Corretora
Seguros
90%
Usina Termoelétrica
Suape II *
80%
IB Administração
de Créditos
100%

6. 5
President
Vice-President
Chairman
Vice-Chairman
Executive Officers
Eduardo Barcelos Guimarães – CFO / IRO
Luiz Castellani – Commercial
Miguel Ângelo – Commercial
Wagner Pavão – Adm. Deputy Director
Daniel Moro – Commercial Deputy Director
BOARD OF DIRECTORS EXECUTIVES
MANAGEMENT
Eduardo Barcelos Guimarães
Carlos Alberto Mansur
Enrique Zaragoza Dueña
Carlos Alberto Mansur
Independent Directors
Fernando Marcondes de Souza
Nelson Castro
Director
Carlos Alberto Mansur Filho

7. 6
ASSETS AND LIABILITIES
TOTAL ASSETS (R$MM)
LIABILITIES BREAKDOWN
ASSETS BREAKDOWN
LIABILITIES vs. SHAREHOLDER’S EQUITY (R$MM)
67%
4%
13%
16%
Loan Portfolio
Securities
Cash Equivalents and Interbank Funds
Other Assets
2,814 2,886 2,978 2,970
Jun/16 Dec/16 Jun/17 Dec/17
495 501 504 503
2,319 2,385 2,474 2,467
Jun/16 Dec/16 Jun/17 Dec/17
Shareholder's Equity Liabilities
62%
2%
13%
6%
17%
Deposits
Borrowings
Onlending Obligations
Other Liabilities
Shareholder's Equity

8. 7
CREDIT PORTFOLIO
CREDIT GROWTH (R$MM) BREAKDOWN
85%
15%
Middle Market Individuals
R$ MM Jun/16 Dec/16 Jun/17 Dec/17
Commercial Lending 1,913.8 2,010.3 1,724.9 1,829.4
Overdraft Facilities 192.0 221.6 230.3 264.6
Working Capital 818.1 723.4 590.5 570.9
Trade Finance 240.0 261.6 168.3 275.8
BNDES 80.3 73.6 118.7 23.4
Purchased Assets 373.5 546.0 430.8 537.7
Endorsements and Guarantees 209.9 184.1 185.7 156.9
Other Operations - - 0.6 -
Personal Loans 232.3 249.3 283.6 314.5
Individuals 232.3 249.3 283.6 314.5
Total Credit Portfolio 2,146.1 2,259.7 2,008.5 2,143.8
Credit Assignment - - - -
1,914 2,010 1,725 1,829
232 249
284 314
2,146
2,260
2,008 2,144
Jun/16 Dec/16 Jun/17 Dec/17
Middle Market Individuals

9. 8
Working Capital, Overdraft Facilities, Receivables Discounting,
BNDES Onlending, Pre Export, Export Prepayment, NCE, CCE,
Import Financing, Res. 4131 and Guarantees.
 Target clients: medium-sized companies with annual net revenue
above R$ 50 MM (US$ 16 MM)
 Number of clients : 374 companies
 Main Sectors: industry, commerce and services
 Average ticket : R$ 501,9 thousand
 Average tenor: 174 days
 Credit policy:
 Concentration up to 20% of Reference Equity
 Concentration up to 20% of the portfolio per economic sector
 Real guarantees and receivables
MIDDLE MARKET PORTFOLIO GROWTH (R$MM)
MARKET SEGMENTS
MIDDLE MARKET
1,184
1,411 1,326 1,396
56
166
178
2061,239
1,577 1,504
1,602
Jun/13 Dec/13 Jun/14 Dec/14
Endorsements and Guarantees
Credit Operations
1,184
1,411 1,326 1,396
56
166
178
2061,239
1,577 1,504
1,602
Jun/13 Dec/13 Jun/14 Dec/1
Endorsements and Guarantees
Credit Operations
1,704 1,826
1,539 1,672
210
184
186
157
1,914 2,010
1,725 1,829
Jun/16 Dec/16 Jun/17 Dec/17
Endorsements and Guarantees
Credit Operations
Industry
25%
Commerce
44%
Services
31%

10. 9
CONSUMER SEGMENT
CONSUMER GROWTH (R$MM)
MARKET SEGMENTS
Payroll Deductible Loans
 Target: public and private sector employees and social security
beneficiaries
 Sectors: federal and state governments, municipalities and
related entities
 Number of clients: 43,688 individuals
 Average ticket: R$ 7,7 thousand
 Credit policies: no cash disbursement made without prior
authorization from employer or Social Security which constitutes
an irrevocable guarantee for the loan. It also includes a life
insurance policy issued by a private insurance company. Loans
are limited to 30% of the employee’s monthly income.
232
249
284
314
Jun/16 Dec/16 Jun/17 Dec/17
INSS
Retirees
6%
Public
Sector
92%
Private
Sector
2%

11. 10
EFFICIENT CREDIT MONITORING
Risk assessment and provision level established according to the Brazilian regulation (Resolução BACEN n° 2.682)
PROVISION x 90-DAY NPL (R$MM)NON-PERFORMING LOANS OVER 90 DAYS %
45% 45%
5%
2% 1% 0% 0% 0% 1%
AA A B C D E F G H
Risk
Level
Overdue
Range
Provision
Level %
Falling
Due
Overdue
Total
Portfolio
Provision
AA - 0.0% 968,001 - 968,001 -
A - 0.5% 970,944 - 970,944 4,855
B 15-30 1.0% 112,004 4,892 116,896 1,169
C 31-60 3.0% 41,144 2,613 43,757 1,312
D 61-90 10.0% 4,903 5,875 10,778 1,078
E 91-120 30.0% 411 8,037 8,448 2,534
F 121-150 50.0% 545 2,291 2,836 1,418
G 151-180 70.0% 284 6,263 6,547 4,583
H >180 100.0% 1,151 14,469 15,620 15,620
2,099,387 44,440 2,143,827 32,569
Additional Provision - Credit Assignment w ith Recourse -
R$x1000 32,569
1.7%
0.6%
1.3%
1.4%
Jun/16 Dec/16 Jun/17 Dec/17
27.5
21.4
30.3 32.6
36.6
12.9
26.6
31.1
Jun/16 Dec/16 Jun/17 Dec/17
Provision NPL > 90 days

12. 11
FUNDING STRUCTURE
FUNDING GROWTH (R$MM) FUNDING DIVERSIFICATION
49%
4%
2%
25%
1%
16%
3%
Certificate of Deposits
Interbank Deposits
Demand Deposits
Funds from Acceptance and Issuance of Securities
BNDES / FINAME Credits
Foreign Loans
Trade Finance Funding
1,931 2,142 2,233 2,306
Jun/16 Dec/16 Jun/17 Dec/17
R$ MM Jun/16 Dec/16 Jun/17 Dec/17
Certificate of Deposits 811.8 979.3 1,092.8 1,134.9
Interbank Deposits 101.1 113.1 117.6 86.2
Demand Deposits 50.9 46.6 46.1 54.2
Funds from Acceptance and Issuance of Securities 544.4 557.9 464.0 566.6
Foreign Loans / STN 81.2 65.9 318.0 369.5
Trade Finance Funding 212.5 256.1 170.1 70.9
Subordinated Loan 49.3 50.1 - -
BNDES / FINAME Credits 80.0 73.3 24.6 23.3
Total 1,931.0 2,142.4 2,233.3 2,305.6

13. 12
CREDIT vs. FUNDING POSITION
CREDIT PORTFOLIO BREAKDOWN BY TENOR
FUNDING PORTFOLIO BREAKDOWN BY TENOR
50%
26%
17%
7%
Up to 03 months
From 03 to 12 months
From 01 to 03 years
Over 03 years
36%
32%
20%
12%
Up to 03 months
From 03 to 12 months
From 01 to 03 years
Over 03 years
Assets (R$ MM) Jun/16 Dec/16 Jun/17 Dec/17
Up to 03 months 977.6 1,119.0 970.1 1,038.2
From 03 to 12 months 574.6 594.8 521.9 553.0
From 01 to 03 years 458.5 379.7 318.3 354.3
Over 03 years 93.9 96.6 117.1 153.9
Non Performed 41.6 69.6 81.1 44.4
Total 2,146.1 2,259.7 2,008.5 2,143.8
Average Tenor (days) 327 293 320 350
Liabilities (R$ MM) Jun/16 Dec/16 Jun/17 Dec/17
Up to 03 months 734.7 942.2 786.4 823.2
From 03 to 12 months 851.8 780.0 742.5 739.6
From 01 to 03 years 286.7 318.3 646.1 466.6
Over 03 years 57.8 55.2 58.3 276.1
Total 1,931.0 2,095.7 2,233.3 2,305.6
Average Tenor (days) 324 248 337 452

14. 13
INTERNATIONAL HIGHLIGHTS
POTENTIAL FOR TRADE FINANCE GROWTH
 IDB – Trade Finance Facilitation Program (TFFP): approved as an Issuing Bank in 2007.
 IFC – Global Trade Finance Program (GTFP): approved as an Issuing Bank in 2009.
 Confirming Banks: over 250 confirming banks from more than 80 different countries under those programs.
 Correspondent Banks: lines approved with over 25 banks worldwide.
 Goal for 2018: to reach a trade finance portfolio of USD 100 MM.
INTERNATIONAL FUNDING
 Senior Loan: USD 15 MM - 8 years (Aug/2013) with DEG.
 IFC A Loan/MCPP: USD 46.7 MM - 5 years (June/2017).
 IFC B Loan: USD 34.5 MM - 3 years (June/2017).
 Senior Loan: USD 15 MM - 7 years (July/2017) with DEG.

15. 14
TRADE FINANCE PORTFOLIO (USD)
TRADE FINANCE EVOLUTION (USD MM) TRADE FINANCE BREAKDOWN
85%
10%
5%
Export
Import
Stand By/Letter of Credit
USDx1000 Jun/16 Dec/16 Jun/17 Dec/17
Export 66,480 73,189 48,475 56,664
Import 2,355 3,961 2,338 7,030
Standby / Letter of Credit - 2,374 2,124 3,139
Total 68,835 79,524 52,937 66,833
Average Ticket 1,266 1,490 1,379 1,062
Average Tenor (days) 233 258 268 434
68.8 79.5
52.9
66.8
Jun/16 Dec/16 Jun/17 Dec/17

16. 15
FINANCIAL HIGHLIGHTS
SHAREHOLDER’S EQUITY (R$MM) & ROAE (%)
CASH BALANCE (R$MM – END OF QUARTER)
TOTAL ASSETS (R$MM) & BASEL INDEX (%)
NET INCOME (R$MM)
357 369 399 373
Jun/16 Dec/16 Jun/17 Dec/17
2,814 2,886 2,978 2,970
15.9% 16.0% 15.6% 16.2%
Jun/16 Dec/16 Jun/17 Dec/17
Total Assets Basel Index
495 501 504 503
7.5%
9.7%
5.3%
6.9%
Jun/16 Dec/16 Jun/17 Dec/17
Shareholder's Equity ROAE
18.5 47.9 13.4 34.8
Jun/16 Dec/16 Jun/17 Dec/17

17. 16
RATINGS
Agency Date Rating Risk Analysis
MAR/17
MAR/17
SEP/17
Global: Ba2
National: Aa3
Global: BB
National: AA-
10.30
Negative Outlook
Negative Outlook (Global)
Stable Outlook (National)
Low Risk for
Medium Term
Disclosure: Excellent

18. 17
SHAREHOLDER’S INVESTMENT
Suape II Thermoelectric Plant
In January 2013, Mr. Carlos Mansur acquired 80% of Suape II Thermoelectric Plant, located in
the Brazilian northeastern state of Pernambuco, from Bertin Group, through Savana SPE
Incorporadora Ltda, in which he holds 100%.
The plant’s net income in December 2017 was R$ 128 million.
Operative since: 24/01/2013
Shareholding structure:
 Savana SPE Incorporadora Ltda...............80%
 Petrobras....................................................20%
Energy capacity: 376 megawatts (MW)
Fuel: oil
The largest oil-fired thermal power plant in Brazil

19. 18
ir.bancoindustrial.com.br
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20. 19
CONTACT
Eduardo Barcelos Guimarães
CFO / Investor Relations Director
Tel: +55 11 3049-9774
E-mail: guimaraes@bancoindustrial.com.br
Guilherme Gottardi
Head of International Division
Tel: +55 11 3049-9751
E-mail: guilherme.gottardi@bancoindustrial.com.br
Guilherme Moratti
Manager of International Division
Tel: +55 11 3049-9757
E-mail: guilherme.moratti@bancoindustrial.com.br
Bruna Manoela
Foreign Exchange Division
Tel: +55 11 3049-9729
E-mail: bruna@bancoindustrial.com.br
SWIFT: BIBRBRSP
Guilherme Bruni
Investor Relations Manager
Tel: +55 11 3049-9965
E-mail: guilherme.bruni@bancoindustrial.com.br