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

Market position and scale

• Holds a 31.6% market share in demand deposits and 44.8% in time deposits in Rio Grande do Sul, with total assets of R$163.5 billion as of March 2026.

• Ranks among the 100 largest companies in Brazil and is the 13th largest bank by assets in the country.

• Operates 592 service points, with 92.7% coverage in Rio Grande do Sul, serving 4.8 million clients.

Product and service portfolio

• Offers a broad range of products including personal, payroll, rural, and real estate loans, credit cards, insurance, and investment services.

• Digital platform adoption is high, with 1.6 million digital users and over 90% of transactions conducted digitally by March 2026.

• Subsidiaries manage acquiring, insurance, pension, consortium, and brokerage services, contributing significant net income.

Financial performance and growth

• Loan portfolio reached R$64.3 billion, with a CAGR of 11.6% since 2020 and a focus on higher spread lines.

• Net income for 1Q26 was R$221.6 million, with a ROAE of 14.9% and a payout ratio of 40% for 2026.

• Basel ratio remains strong at 17.5%, supporting strategic growth and capital adequacy.