1. Your Banking Partner
Results Presentation
2Q13

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.
2

3. Highlights
3
 In May, we concluded the acquisition of Voga with the new investment bank team already integrated with
our operations.
 Announcement of the Merger with Banco Intercap S.A. in June.
 Expanded Credit Portfolio totaled R$3.2 billion, +5.9% in the quarter and +15.0% in 12 months, 47.6%
share of Emerging Companies segment and 51.4% share of Corporate segment.
 Loans rated between AA and B reached 85.1% of credit portfolio in 2Q13, compared to 81.3% in 1Q13 and
79.2% in 2Q12. We maintained our discipline of building a diversified and top quality portfolio: 98.2% of the
loans granted during the quarter were rated between AA and B.
 Managerial Expense with Allowance for Loan Losses (ALL) in the quarter was 1.1% (annualized) of the
expanded credit portfolio. There were no fresh provisions relating to the credit portfolio prior to April 2011
and we still have an additional allowance (not allocated) of R$40.9 million.
 Income from Services Rendered,+33.9% in 2Q13 and +26.2% in 1H13 in relation to 1H12, totaled R$8.6
million in the quarter and R$15.1 million in 1H13. With the recent integration of the investment banking
team, we expect this revenue to continue growing over the coming quarters.
 Adjusted Revenue from Credit Operations and Agro Bonds (CPR), which reflects the bank’s core
business, +14.0% in the quarter, from R$60.7 million in 1Q13 to R$69.3 million in 2Q13.
 The numbers from 2Q13 were extraordinarily impacted by losses resulting from high market volatility and
the effect of the discontinuance of hedge accounting designation, which are not related to credit
activities, generating a negative result of R$20.6 million.
 Considering the conservative risk policy adopted by the Bank, we believe that an adequate remuneration
for our capital will come from gains of scale from the credit portfolio and revenues from services as a
result of the strategy and structure devised by the current management.

4. Banco BI&P’s Vision
4
Investment Thesis
Our Vision is of
being an innovative
bank, marked by
excellence...
In corporate credit for the emerging and corporate companies
through a broad range of financial products and services in
order to conduct recurring operations among our client base
through cross selling in order to meet all their financial needs
With a strong investment banking team operating in the
growing fixed-income, long-term funding, M&A and structured
operations market.


 Brazil is one of the countries in the world with the highest concentration of banks, with significant demand
from companies for quality banking relationships, especially in the segments where we operate.
 The financial sector is going through an historic turning point, with the emergence of a growing domestic
fixed income market where more and more companies will seek long-term funding for their investments.
 Brazil remains an attractive market for new strategic players from the international financial markets and
BI&P will be prepared to position itself as an excellent partner, in line with the history of mergers of our
controlling shareholders.

5. Strategic Restructuring | Step1
Repositioning of the Core Business
5
 New appraisal and remuneration structure
 Work climate surveys conducted
 Investment in young talents: Trainee Program
Human Resources
 Creation of Business Intelligence Unit and Sales Force tool
 85% of the officers replaced
 Increase of the visit and portfolio volumes per officer
 Commercial and Credit team integration: new processes
Commercial
 Development of products and derivatives team
 Launch of new products, notably the derivatives desk
 Complete integration with the commercial area
 Target for revenue from services: to account for 23-30% of BI&P’s total revenues in 2-3 years
Products and
Corporate Finance
 New head for the area
 Significant investments in infrastructure and equipment
 New business intelligence (COGNOS – BI) and CRM (Salesforce.com) platforms in deployment
stage
Improvements
in Control
Procedures
 Pricing of products for clients in domestic and international markets: interest in R$ and US$,
futures and options for interest, currencies and commodities, inflation indices and spot FX
 Management of proprietary positions: domestic and international markets
Treasury and
Proprietary
positions

6. Strategic Restructuring | Step 2
Focus on strengthening corporate finance activities, gains of scale and
diversification of our funding base
6
December 2012 Ceagro joint venture to generate agro bonds (CPR): has already generated
assets worth R$220 million for the bank
JV to generate
assets
February 2013 Acquisition of Voga (investment banking), incorporated in May 2013, with 39
ongoing mandates and the distribution team strengthened
Acquisition of
IB Team
March 2013
Additional allowance for loan losses, amounting to R$111 million, for loans
granted before April 2011, settling the obligations under the previous credit
policy
Additional ALL
March 2013 Capital increase of R$90 million, subscribed by Warburg Pincus, controlling
shareholders and the market
Capital
Increase
June 2013
Acquisition of Banco Intercap, with Afonso Hennel (Grupo Semp Toshiba) and
Roberto Resende Barbosa (NovAmerica/Cosan) joining the board of directors
and the controlling group
Acquisition of
Banco Intercap

7. Acquisition of Banco Intercap
Equity and Control Group
 Incorporation of Equity from June 30, 2013, nearly R$116 million
 Shareholders of two strong groups will participate on BI&P’s controlling group:
 Afonso Hennel (Grupo Semp)
 Roberto de Rezende Barbosa (NovAmerica / Cosan)
Credit Portfolio
 Maturity of nearly 18 months
 84.5% of the credit portfolio were classified between AA-B
Basel index (without FX exposure) in June 2013: 19.2%
7
10.9% 73.4% 6.9% 8.8%
2Q12
AA A B C D - H
84.3%

8. Association with Banco Intercap
Corporate Governance Structure
 Current practices will be maintained
 Intercap shareholders will be entitled as 2 members of the Board of Directors
 Afonso Hennel will be appointed Vice-Chairman of the Board of Directors
 Afonso Hennel and Roberto de Rezende Barbosa will join the controlling group of
Banco BI&P
Protection and Indemnification Mechanisms
 The Agreement sets forth mechanisms for protection and indemnification
between Banco BI&P and the Shareholders of Banco Intercap with regard to loan
losses and allowance for loan losses (ALL) above certain limits, not cumulative:
• Year 1: R$6 million
• Year 2: R$4.5 million
• Years 3, 4 and 5: R$3 million per year
8

9. 2,759 2,807 2,991 3,068 3,048
3,229
1Q12 2Q12 3Q12 4Q12 1Q13 2Q13
R$
million
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
+5.9% in 2Q13 in credits with higher quality...
9

10. 1,422 1,253
1,200
1,445 1,538
2Q12 3Q12 4Q12 1Q13 2Q13
R$
million
Emerging Companies
1,334
1,682 1,820
1,567 1,659
2Q12 3Q12 4Q12 1Q13 2Q13
R$
million
Corporate
Client Segmentation
...maintaining the same share between Corporate and Emerging Companies in
the credit portfolio...
10 Note: Other Credits includes Consumer Credit Vehicles, Acquired Loans and Non-Operating Asset Sales Financing.
Migration of clients from Emerging Companies to Corporate = ~R$200mn as of June 30, 2012 and ~R$260mn as of Sept. 30, 2012
Annual revenues from R$40mn to R$400mn Annual revenues of between R$400mn and R$2bn
Average new operations
exposure per client | R$ million
2Q13 1Q13
Corporate 9.2 10.8
Emerging Companies 2.2 2.3
47.4%
47.6%
51.4%
51.4%
1.2%
1.0%
1Q13
2Q13
Emerging Companies Corporate Others

11. Expanded Credit Portfolio Development
...maintaining the focus on higher quality assets...
11
517
687 728
589
773
2Q12 3Q12 4Q12 1Q13 2Q13
R$
million
New Transactions
3,048 3,229
773
(510)
(76) (6)
1Q13 Amortized
Credits
Credit
Exits
Write offs New
Operations
2Q13
R$
million
98,7% of the new
transactions in the
last 12 months are
classified between
AA and B.

12. Loans
39.1%
Credit
Assignments
12.5%
Confirming
0.7%
Discount
Receivables
0.4%
NCE
1.6%
CCE
1.0%
CCBI
1.0%
Expanded Credit Portfolio
...and increasing the new products share in the portfolio...
12
Loans &
Discounts
in Real
56%
Trade
Finance
16%
BNDES
Onlendings
9%
Guarantees
Issued
6% Agricultural
Bonds
10%
Private
Credit
Bonds
1.1%
Other
2%
2Q12
Loans &
Discounts
in Real
52%
Trade
Finance
13%
BNDES
Onlendings
11%
Guarantees
Issued
6% Agricultural
Bonds
15%
Private
Credit
Bonds
1.2%
Other
2%
2Q13
Loans
31.5%
Credit
Assignments
8.8%
Confirming
0.0%
Discount
Receivables
0.3%
NCE
5.7%
CCE
3.4%
CCBI
1.9%

13. 371
529 482
403
250
2Q12 3Q12 4Q12 1Q13 2Q13
R$
million
Large Corporate Ecosystem *
Receivables drawn on Clients Série4
267 307 327 371
478
2Q12 3Q12 4Q12 1Q13 2Q13
R$
million
Agricultural Bonds
CPR Warrant (CDA/WA) CDCA
Developing Franchise Value
...in specific niches...
13
60
94 92 90
106
2Q12 3Q12 4Q12 1Q13 2Q13
R$
million
Fixed Income Bonds
Debentures Real Estate Credit Bank Notes
* Acquisition and/or assignment of receivables originated by our customers and Transactions with receivables of suppliers
drawn on our clients (Confirming).
The expertise development in certain niches and
structures that create competitive advantages
allows profitability increase through fees.

14. 1.3%
1.3%
1.5%
1.6%
1.6%
1.7%
1.8%
2.0%
2.4%
2.9%
3.6%
3.6%
3.6%
4.3%
5.6%
9.9%
12.2%
15.8%
23.3%
Commerce - Retail & Wholesale
Plastic and rubber
Individuals
Financial Services
Electronics
Financial institutions
Machinery and Equipments
Power Generation & Distribution
Education
Textile, apparel & Leather
Metal Industry
Chemical & Pharmaceutical
Oil & Biofuel
Transportation & Logistics
Automotive
Other Industry
Construction
Food & Beverage
Agribusiness
2Q13
1.3%
1.8%
2.3%
2.4%
2.5%
2.8%
3.7%
3.7%
4.2%
4.3%
4.6%
5.0%
5.2%
9.7%
11.9%
15.5%
19.0%
Electronics
Commerce - Retail & Wholesale
Financial institutions
Power Generation & Distribution
Education
Textile, apparel & Leather
Metal Industry
Oil & Biofuel
Automotive
Pulp & Paper
Financial Services
Chemical & Pharmaceutical
Transportation & Logistics
Other Industry
Construction
Food & Beverage
Agribusiness
2Q12
Credit Portfolio
...with relevant exposure in agribusiness...
14 * Other industries with less than 1.4% of share.

15. Credit Portfolio
...and short term maturity profile maintained.
15
2Q12 2Q13
Top 10
18%
11 - 60
largest
32%
61 - 160
largest
25%
Other
25%
Client Concentration
Top 10
15%
11 - 60
largest
32%
61 - 160
largest
27%
Other
26%
Client Concentration
Up to 90
days
39%
91 to 180
days
19%
181 to 360
days
15%
+360 days
27%
Maturity
Up to 90
days
32%
91 to 180
days
20%
181 to 360
days
16%
+360 days
32%
Maturity

16. Credit Portfolio Quality
98.2% of loans granted in the quarter were rated from AA to B
16
 Credits rated between D and H totaled R$279,8
million at the end of 2Q13:
− R$215.9 million (77% o Credit Portfolio between
D and H) in normal payment course;
− Only R$63.9 million overdue +60 days; and
− 76.6% covered (96.4% in the 2Q13).
6%
2%
3%
37%
40%
42%
34%
36%
38%
16%
13%
7%
8%
9%
11%
2Q12
1Q13
2Q13
AA A B C D - H
81.7%
78.2%
76.2%
AA
3%
AA
2%
AA
3%
A
42%
A
48%
A
16%
B
38%
B
44%
B
12%
C
7%
C
3%
C
23%
D - H
11% D - H
2%
D - H
46%
2Q13
* New Credit Policy: adopted since April 2011.
New Credit Policy *
Clients Loan Portfolio
Previous Credit Policy
Clients Loan Portfolio

17. Operating Performance and Profitability
17
Revenues from Credit Operations and CPR adjusted 2Q13 1Q13 2Q13/1Q13 2Q12 2Q13/2Q12
(A) Revenues from Credit Operations and agro bonds (CPR) 60.0 58.6 2.4% 73.7 -18.6%
(B) Recoveries of written-of operations 1.7 4.3 -60.2% 8.9 -80.7%
(C) Discounts granted on settled operations (11.0) (6.5) 69.2% (9.5) 15.8%
Revenues from Credit Operations and CPR adjusted (A-B-C) 69.3 60.7 14.0% 74.3 -6.9%
5.5% 5.8% 5.3% 5.4%
3.2%
4.8% 4.5% 4.4% 4.1%
4.1%
2Q12 3Q12 4Q12 1Q13 2Q13
Net Interest Margin (NIM)
NIM without effects of discontinuance of designation of hedge accounting and discounts *
Managerial NIM with Clients *
* Includes revenues from agro bonds (CPR)

18. Credit Portfolio Quality
18
* New Credit Policy: adopted since April 2011.
1 Managerial Expense with Allowance for Loan Losses (ALL) = ALL expenses + Discounts granted upon settlement of loans – Revenues from recovery of
loans written off.
6.4% 5.5%
4.5%
8.5% 8.2%
2.6%
1.9% 1.2%
2.2% 2.1%
0.2% 0.3% 0.1% 0.4% 0.5%
2Q12 3Q12 4Q12 1Q13 2Q13
NPL 90 days / Credit Portfolio
Clients Previous Credit Policy Total
Clients New Credit Policy *
9.0%
7.5%
4.9%
9.4% 10.6%
3.6%
3.1% 1.5%
2.3% 2.6%
0.2% 1.1% 0.4% 0.4% 0.5%
2Q12 3Q12 4Q12 1Q13 2Q13
NPL 60 days / Credit Portfolio
Clients Previous Credit Policy Total
Clients New Credit Policy *
Managerial Expense with Allowance for Loan Losses (ALL) 1 in
2Q13, annualized, was 1.1% of the Expanded Credit Portfolio

19. Time
deposits
(CDB)
26%
Insured
Time
Deposits
(DPGE)
30%
LCA
16%
LF and LCI
2%
Interbank &
Demand
Deposits
3%
Onlendings
11%
Foreign
Borrowings
12%
2Q13
2,755
2,936 2,999
3,170 3,142
2Q12 3Q12 4Q12 1Q13 2Q13
R$
million
in Local Currency in Foreign Currency
Funding
Product mix helps with cost reduction
19
Time
deposits
(CDB)
27%
Insured
Time
Deposits
(DPGE)
28%
LCA
12%
LF and LCI
1%
Interbank &
Demand
Deposits
6%
Onlendings
10%
Foreign
Borrowings
16%
2Q12

20. Operating Performance and Profitability
20 n.r. = not representative
2.4 3.1 3.6
2T12 3T12 4T12 1T13 2T13
R$
million
Net Profit
1.7 2.2 2.5
2T12 3T12 4T12 1T13 2T13
Return on Average Equity (ROAE) %
-91,4 n.r.
-20,6 n.r.
The numbers from 2Q13 were extraordinarily impacted by losses resulting from:
 high market volatility;
 effects of the discontinuance of hedge accounting designation.

21. 582.4 587.6 587.2
498.4
569.6
686.0
2Q12 3Q12 4Q12 1Q13 2Q13 2Q13*
R$
million
Shareholders’ Equity
17.0% 15.8% 14.9% 14.2% 14.6% 16.0%
2Q12 3Q12 4Q12 1Q13 2Q13 2Q13*
Basel Index (Tier I)
4.8x 5.1x 5.2x
6.1x 5.7x
5.2x
2Q12 3Q12 4Q12 1Q13 2Q13 2Q13*
Leverage
Expanded Credit Portfolio/ Equity
Capital Structure and Ratings
21
Agency Rating
Last
Report
Standard
& Poor’s
Global: BB/Negative/ B
National: brA+/Negative/brA-1
Aug/13
Moody’s
Global: Ba3/Negative/Not Prime
National: A2.br/Negative/BR-2
Jul/13
Fitch
Ratings
National: BBB/Stable/F3 Jul/13
RiskBank
Index: 9.92
Low Risk Short Term
Jul/13
BI&P+
Intercap
BI&P+
Intercap
BI&P+
Intercap
* Includes the capital increase of R$90,0 million approved by the board of directors on July 19, 2013 and simulates the conclusion of the
merger with Banco Intercap.

22. Challenges
22
Scale up through credit portfolio growth and higher leverage
Gain of Scale
Appropriate mix between Emerging Companies and Corporate
segments (50%-50%)
Balanced Risk
Profile
Development of derivatives and products desk and investment
banking activities: structuring of fixed income and M&A/financial
advisory operations
Investment
Banking
Appropriate ROE (mid-teens): still depends of scale gains/profitability
and increasing of fees revenues

23. Your Banking Partner