Banco do Estado do Rio Grande do Sul (BRSR6) Investor presentation summary

Corporate profile and market position

• Market value of R$6.2 billion, loan portfolio of R$65 billion, and total assets of R$163.5 billion as of 12/31/2025.

• Operates 477 branches with 9,228 employees, serving 4.8 million customers.

• Ranked among the 100 largest companies in Brazil and 12th in assets among Brazilian banks.

• Presence in five states, with 91% of its network in Rio Grande do Sul.

Digital transformation and innovation

• Invested R$401.2 million in digital transformation and IT infrastructure in 2025.

• Over 327,000 digital accounts opened via the app nationwide.

• Launched BanriWay, a digital account for children and teenagers with integrated parental controls.

• Expanded use of artificial intelligence and strengthened cybersecurity.

Financial performance and profitability

• Achieved R$1.6 billion in net income in 2025, the highest in its history.

• ROAE reached 14.9% and dividend yield was 9.1% in 2025.

• Distributed R$649 million to shareholders in 2025, with a payout ratio of 40%.