Brb Banco De Brasilia Sa · BMFBOVESPA:BSLI3
Brb Banco De Brasilia Sa — BRB - Banco de Brasília — Q1 2023 Earnings Presentation
22 slides from Brb Banco De Brasilia Sa's earnings presentation, Mar 19, 2023
Slide 1: Results 1st quarter, 2023
Brasilia, March 19,2023 es ie banco wIBRB Results 1st quarter, 2023 ie reenarae raga) Emerson Rizza Mario Ferreira Neto Se corses President of BRB Chief Financial Officer Peatras President of BRBDTVM — President of BRB Servicos 4, sf mvestor Relations Officer Paulo Henrique Costa Carlos Anténio Fern
Slide 2: A bigger, better, more competitive, and more socially relevant BRB
banco nn EYBRB A bigger, better, more competitive, and more socially relevant BRB fe Expansion in government products’ lines for other public entities: Judicial Pix, Urban Mobility, “Na Hora”, credit cards for social bennefits Positive horizons in the economic scenario Strengthening BRB Ecosystem, w
Slide 3: Customers and channels
banco Earnings Release 1023 ei BRB 1023 (thousand) 3,166 2,820 Digital Individuals ee 7 million 42 818 customers Legal Other entities (million) 1022 2022 3022 4022 1023 a @ 8 94% 4% 2% Internet + Mobile Brick-and- Branchless Banking + Self Service mortar branches
Slide 4: Geographical expansion
Earnings Release 1023 Geographical expansion Presence in 11 States + FD 1091 service centers rs 10 billion in judicial deposits Only financial institution to operate the Judicial Pix service Brick-and-mortar branches o4 New model for branches, based in the AP idea of flagship store ES Special focus
Slide 5: Innovation and Technology
banco Earnings Release 1023 . EIBRB Innovation and Technology Solutions that ac celerate the Bank’s expansion and funding strategies Silicon Valley operation, developing our Super App Innovative digital ecosystem, boosting ideas from the society and getting banking solutions start-ups together UX, B
Slide 6: Partnerships, and Strategic Projects
Partnerships, and Strategic Projects Project Lucky BRB is the exclusive operator of the new , according to Federal District law co Revenues are directed 21 Partnership with Ss amesica’ BRB Oe Enlarging BRB’s digital presence Customer Base An active, retained one Disponivele ja de aplicativ cerron P
Slide 7: BRB Card fanbase
Earnings Release 1023 The BRB Sé fanbase s 8 8 9 Anew phase for the operation, by =] Affective connection on cs a Over1.28 million 1.3 million Presence in 93% searching for a partner able to with the brand active credit cards credit cards sold. «Of Brazilian monetize this business even more 1022 202
Slide 8: Insurance and platform
Earnings Relea: &IBRB SEGUROS Issuance of in insurance premiums Co ng business partnerships 7 fall SARDI... MAPFRE . fe ° PPI * Home insura * — Prote edit Carc 10723 x 1022 1 Insur premiums issued by BRB Seguros, pub tium, and P d by Wiz, dis comm alization of Capitalization, Co the wig banco uiBRB
Slide 9: Phase 1—Permuting shares; Phase 2—Wholly-owned subsidiary
Earnings Release 1023 Phase 1—Permuting shares Phase 2—Wholly-owned subsidiary GDF uses BRB shares to acquire BRB Card’s shares owned by BRB’s Employee Association The Bank buys BRB Card’s shares, thus becoming the owner of this company’s wholly capital Phase 4 — Conclusion Phase 3 —Horizontalizatio
Slide 10: Payments Services
Earnings Release 1023 Payments Services BRB Pay Apple 1 tokenized =] transactions y: + practicity “S° and safety FY 2.726 sales units Joo mil @ transactions 2 ‘< TPV:R$ 97 million in 2023 — ze Credit Card + Practicity + Safety in transactions + Financial planning Banking Domicile + Payroll + + + Deb
Slide 11: Thematic credit cards
banco P . uiBRB Exclusive portfolio of Experiences and advantages thematic credit cards a Credit cards that offer exclusive experiences in attention niches such as oenology, automobilism, and sports. G2Exclusive BRB parking lot at the Brasilia International Airport payment exemption fe i Exclusive a
Slide 12: ESG: Impacting the lives of thousands of families
banco Eins testa eIBRB ESG Impacting the lives of thousands of families 1.2 billion | 290k in benefits paid since 2019 i Reached beneficiaries 368.2 mm rs63 mm | rs47mm Auxilio Creche / Cart&o Gas / Renova DF 11,137 beneficiaries | 629 thousand benefits 86 thousand benefits G08 mm 28136 mm | rs155 m
Slide 13: ESG
Earnings Release 1023 ESG banco uiBRB io GDF civil servant's Health Insurance +76K +3.7mMmM 24k coverage tests made Hospitalizations 108 K 620 k Treatments Appointments Cumulative data since 2019 Community that supports Agriculture Support for biodynamic, pesticide-free and sustainable management of
Slide 14: Loan portfolio
Earnings Release 1023 Loan portfolio 2] +39% TT\ Total Portfolio Individual Payroll-deductible Personal and Revolving Credit Renegotiation Legal Entity Micro, small and medium-sized enterprises Large Enterprises Infrastructure (Government ) Credit Card Mortgage individual Legal Entity (LE) Rural and
Slide 15: Payroll-Deductible, Mortgage, Rural and agribusiness financing
banco a Ruraland é& BRB Payroll-Deductable Mortgage agribussiness financing RS pod billion r7Q7 million R$ 1 4 0 8 billion Portfolio balance | 1023 Portfolio balance | 1923 4 dition of R$ 793million 1st place fe] of (12 of credit originated | 1023 in DF Pronaf and Pronamp v Gateway to Long-Term an M
Slide 16: Loan Portfolio Quality
Earnings Release 1023 Loan Portfolio Quality Default by Portfolio Indv. Commercial ———LE Commercial --- Conglomerado BRB Pre-Default by Portfolio 4.0% 8% 89% 83% 3.8% 312% 3-89 3-83) 3 2.8% 1.89% Baia ae NOME 28% 2.6% — 2.3% 2.16% 1.67% 2.00% 1022 2Q22 3022 4Q22 1723 LE Commercial Indv. Commercial —
Slide 17: Total funding
Earnings Release 1023 ’ 1023 x 1022 Total funding A3M Ai2M I 1 3 e 3 % Customers Funding 28,499 31,543 32,533 3.1% 14.2% Demand Deposits 1,162 1,235, 1,209 -2.1% 4.0% 9 Term deposits Savings 2,697 2,675, 2,562 -4.2% 5.0% Term deposits 20,347 22,497 22,757 1.2% 11.8% Court Deposits 8,156 9,547 10,165
Slide 18: Service Revenue
banco Earnings Release 1923 & BRB Service Revenue “ “ i an asa | ) % +1 4 e 4 (0) Checking Ac count 48,561 59,389 55,553 - 6.5% 14.4% Cards 27,903 34,949 37,456 | 7.2% 34.2% Commissions* 35,062 38,297 40,788 6.5% 16.3% @ +34.2% Resource Management 9,529 9,913 10,158 2.5% 6.6% Ticketing 8,468 8,973 9
Slide 19: Efficiency ratio
69,5% 70,4% 53,7% 1Q22 4Q22 1Q23 IEO Gerencial 56,9% 50,3% 51,6% 1Q22 4T22 1Q23 Adjusted
Slide 20: C.A.R. capital adequacy ratio
5.68% 422 1022 C.A.R. 2022 Change in Equity 3022 Progression Perpetual Subordinated Financial Letters (UFC) ~ +012 p.p. Subordinated Financiatisk-Adjusted Assets Letters (LSFN) Nivel | 4022 (Rwa) m Nivel II banco uiBRB 1023 5.74% 10.5% Minimum Regulatory 1723
Slide 21: Final Considerations
banco Earnings Release 1023 EYBRB Final Considerations mil Net profit of R$70 millionin the quarter, with return on equity of 13.12% and total assets of R$43.0 billion (* 12.0%, 1023 X 1022). AN Phygital Bank, with 94% of 1023 transactions carried out on digital channels. Evolution in the main busin
Slide 22: Disclaimer
Disclaimer This presentation has references and statements about expectations, planned synergies, growth estimates, projections of results and future strategies about BRB. Although these references and statements reflect what the managers believe, they involve inaccuracies and risks that are difficu
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