Banco Industrial do Brasil is a privately owned Brazilian bank established in 1994. It has over 250 employees across 7 branches in Brazil. The bank specializes in financing medium-sized enterprises and maintaining a conservative credit policy. It offers various credit products including overdraft facilities, working capital loans, and BNDES onlending. The bank has grown its credit portfolio to over R$2 billion while maintaining a high liquidity level and low leverage. Its international trade finance portfolio has also increased significantly in recent years.

1. 0
BANCO INDUSTRIAL DO BRASIL S.A.
INSTITUTIONAL PRESENTATION
DECEMBER 2016

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 263 employees, the Bank is headquartered in its
own building located in São Paulo city and has another 6 branches located in the cities of
Campinas/SP, Rio de Janeiro/RJ, Curitiba/PR, Goiânia/GO, Salvador/BA and Macapá/AP.
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
Overdraft facilities, working capital, discount of receivables, BNDES (Brazilian Development Bank)
onlending, import and export financing operations and international remittances for foreign exchange
settlement.
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 operations.
► In January, Mr. Mansur acquired 80% of Suape II Thermoelectric Plant from Bertin Group (see slide 17). In August, the Bank receives a
new senior loan from DEG, amounting to US$ 15 million, with 8-year maturity.
► Banco Industrial 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 from IFC. The funds are directed to small and medium-sized companies
managed by women.2014

5. 4
GROUP’S STRUCTURE
* See slide 17
IB Administração
de Créditos
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%

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

7. 6
ASSETS AND LIABILITIES
TOTAL ASSETS (R$MM)
LIABILITIES BREAKDOWN
ASSETS BREAKDOWN
LIABILITIES vs. NET EQUITY (R$MM)
2,447 2,562
2,814 2,886
Jun/15 Dec/15 Jun/16 Dec/16
479 489 495 501
1,968 2,073 2,319 2,385
Jun/15 Dec/15 Jun/16 Dec/16
Net Equity Liabilities
72%
2%
18%
8%
Loan Portfolio
Securities
Cash Equivalents and Interbank Funds
Other Assets
59%
5%
9%
5%
2%
3%
17%
Deposits
Money Market Commitments
Borrowings
Onlending Obligations
Subordinated Debt
Other Liabilities
Shareholders' Equity

8. 7
CREDIT PORTFOLIO
CREDIT GROWTH (R$MM) BREAKDOWN
1,573 1,643 1,914 2,010
225 227
232 2491,797 1,870
2,146 2,260
Jun/15 Dec/15 Jun/16 Dec/16
Middle Market Individuals
89%
11%
Middle Market Individuals
R$ MM Jun/15 Dec/15 Jun/16 Dec/16
Commercial Lending 1,572.5 1,643.1 1,913.8 2,010.3
Overdraft Facilities 255.8 209.6 192.0 221.6
Working Capital 671.6 684.2 818.1 723.4
Trade Finance 85.3 186.2 240.0 261.6
BNDES 79.7 62.5 80.3 73.6
Purchased Assets 269.7 290.5 373.5 546.0
Endorsements and Guarantees 207.8 210.0 209.9 184.1
Other Operations 2.6 - - -
Personal Loans 224.8 226.8 232.3 249.3
Individuals 224.8 226.8 232.3 249.3
Total Credit Portfolio 1,797.3 1,869.9 2,146.1 2,259.7
Credit Assignment - - - -

9. 8
Working Capital, Trade Bills, Receivables Discounting, BNDES
Onlending, Export / Import Financing and Guarantees
Target clients: medium-sized companies with annual net revenue
above R$ 50 MM (US$ 16 MM)
Number of clients : 388 companies
Sectors: industry, commerce and services
Average ticket : R$ 444 thousand
Average tenor: 183 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 GROWTH (R$MM)
MARKET SEGMENTS
MIDDLE MARKET
Credit Operations Endorsements and Guarantees
1,365 1,433
1,704 1,826
208 210
210
184
1,573 1,643
1,914 2,010
Jun/15 Dec/15 Jun/16 Dec/16
Industry
32%
Commerce
32%
Services
36%

10. 9
225 227 232
249
Jun/15 Dec/15 Jun/16 Dec/16
CONSUMER SEGMENT
CONSUMER GROWTH (R$MM)
MARKET SEGMENTS
Payroll Deductible Loans
Target: public and private sector employees and social
security beneficiaries
Sectors: federal and state governments, municipalities and
related entities
Number of clients: 38,500 individuals
Average ticket: R$ 6.9 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.
INSS
Retirees
8%
Public
Sector
89%Private
Sector
3%

11. 10
EFFICIENT CREDIT MONITORING
Risk assessment and provision level established according to the Brazilian regulation (Resolução BACEN 2.682)
PROVISION x 90-DAY NPL (R$MM)NON-PERFORMING LOANS OVER 90 DAYS %
Risk
Level
Overdue
Range
Provision
Level %
Falling
Due
Overdue
Total
Portfolio
Provision
AA - 0.0% 783,360 - 783,360 -
A - 0.5% 1,088,051 - 1,088,051 5,441
B 15-30 1.0% 247,242 1,696 248,938 2,489
C 31-60 3.0% 61,034 53,721 114,755 3,444
D 61-90 10.0% 7,861 1,311 9,172 917
E 91-120 30.0% 575 6,956 7,531 2,261
F 121-150 50.0% 502 1,107 1,609 806
G 151-180 70.0% 142 709 851 597
H >180 100.0% 1,315 4,096 5,411 5,411
2,190,082 69,596 2,259,678 21,366
Additional Provision - Credit Assignment w ith Recourse -
R$x1000 21,366
35%
48%
11%
5%
0% 0% 0% 0% 0%
AA A B C D E F G H
1.3%
0.9%
1.7%
0.6%
Jun/15 Dec/15 Jun/16 Dec/16
40.1
37.4
27.5 21.4
23.3
17.0
36.6
12.9
Jun/15 Dec/15 Jun/16 Dec/16
Provision NPL

12. 11
FUNDING STRUCTURE
FUNDING GROWTH (R$MM) FUNDING DIVERSIFICATION
R$ MM Jun/15 Dec/15 Jun/16 Dec/16
Certificate of Deposits 854.7 876.5 811.8 979.3
Interbank Deposits 110.6 76.4 101.1 113.1
Deposits at Sight 31.5 56.4 50.9 46.6
Trade Bills 442.6 466.0 544.4 557.9
Foreign Loans / STN 93.5 118.4 81.2 65.9
Trade Finance Funding 115.8 224.7 212.5 256.1
Subordinated Loan 48.1 59.9 49.3 50.1
BNDES / FINAME Credits 79.9 62.4 80.0 73.3
Total 1,776.7 1,940.7 1,931.0 2,142.4
1,777 1,941 1,931
2,142
Jun/15 Dec/15 Jun/16 Dec/16
46%
5%
2%
26%
3%
3%
12%
2%
Certificate of Deposits
Interbank Deposits
Deposits at Sight
Trade Bills
BNDES / FINAME Credits
Foreign Loans
Trade Finance Funding
Other Foreign Loans
Subordinated Loan

13. 12
CREDIT vs. FUNDING POSITION
CREDIT PORTFOLIO BREAKDOWN BY TENOR
FUNDING PORTFOLIO BREAKDOWN BY TENOR
51%
27%
17%
5%
Up to 03 months
From 03 to 12 months
From 01 to 03 years
Over 03 years
45%
37%
15%
3%
Up to 03 months
From 03 to 12 months
From 01 to 03 years
Over 03 years
Assets (R$ MM) Jun/15 Dec/15 Jun/16 Dec/16
Up to 03 months 910.4 803.0 977.6 1,119.0
From 03 to 12 months 417.2 612.9 574.6 594.8
From 01 to 03 years 321.0 341.3 458.5 379.7
Over 03 years 101.7 85.9 93.9 96.6
Non Performed 47.0 27.0 41.6 69.6
Total 1,797.3 1,869.9 2,146.1 2,259.7
Average Tenor (days) 320 320 327 293
Liabilities (R$ MM) Jun/15 Dec/15 Jun/16 Dec/16
Up to 03 months 664.8 725.8 734.7 942.2
From 03 to 12 months 547.9 641.5 851.8 780.0
From 01 to 03 years 505.3 505.0 286.7 318.3
Over 03 years 58.6 68.5 57.8 55.2
Total 1,776.7 1,940.7 1,931.0 2,095.7
Average Tenor (days) 400 399 324 248

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.
Goal for 2017: to reach a trade finance portfolio of USD 100 MM.
INTERNATIONAL FUNDING
Subordinated Debt: USD 15 MM 10 years (Jan/2007) with DEG.
Senior Loan: USD 15 MM 8 years (Aug/2013) with DEG.
IFC A Loan: USD 15 MM 3 years (Mar/2014).

15. 14
TRADE FINANCE PORTFOLIO (USD)
TRADE FINANCE EVOLUTION (USD MM) TRADE FINANCE BREAKDOWN
USDx1000 Jun/15 Dec/15 Jun/16 Dec/16
Export 25,082 41,876 66,480 73,189
Import 3,051 10,001 2,355 3,961
Standby / Letter of Credit 2,171 2,268 - 2,374
Total 30,304 54,145 68,835 79,524
Average Ticket 1,097 1,065 1,266 1,490
Average Tenor (days) 238 224 233 258
95%
5%
Export
Import
30.3
54.1
68.8 79.5
Jun/15 Dec/15 Jun/16 Dec/16

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)
2,447 2,562 2,814 2,886
18.1%
16.0% 15.9% 16.0%
Jun/15 Dec/15 Jun/16 Dec/16
Total Assets Basel Index
479 489 495 501
8.5%
9.7%
7.5%
9.7%
Jun/15 Dec/15 Jun/16 Dec/16
Shareholders' Equity ROAE
20.1 46.6 18.5 47.9
Jun/15 Dec/15 Jun/16 Dec/16
598 656 357 369
Jun/15 Dec/15 Jun/16 Dec/16

17. 16
RATINGS
Agency Date Rating Risk Analysis
JUN/16
MAR/16
SEP/16
Global: Ba2
National: Aa3*
Global: BB
National: AA-*
10.83
Negative Outlook
Negative Outlook (Global)
Stable Outlook (National)
Low Risk for
Medium Term
Disclosure: Excellent
*According to reclassification of national scale ratings for the Brazilian banking sector, published on May 11 (Moody’s) and May 19 (Fitch), 2016.

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 2016 was over R$ 90 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
INVESTOR RELATIONS WEBSITE
Corporate Information
Financial Statements
Presentations
Rating Reports
Download Center
IR Contacts
Mobile version

20. 19
CONTACT
Eduardo Barcelos Guimarães
CFO / Investor Relations Director
Tel: +55 11 3049-9774
E-mail: guimaraes@bancoindustrial.com.br
Enio Carbone Júnior
Head of Foreign Exchange
Tel: +55 11 3049-9757
E-mail: enio.carbone@bancoindustrial.com.br
Guilherme Gottardi
Head of International Division
Tel: +55 11 3049-9751
E-mail: guilherme.gottardi@bancoindustrial.com.br
Camila Beltran
Manager of International Division
Tel: +55 11 3049-9763
E-mail: camila.beltran@bancoindustrial.com.br
Bruna Manoela
Assistant of Foreign Exchange
Tel: +55 11 3049-9729
E-mail: bruna@bancoindustrial.com.br
SWIFT: BIBRBRSP
Henrique Maciel
Investor Relations Manager
Tel: +55 11 3049-9965
E-mail: henrique.maciel@bancoindustrial.com.br