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Banco do Estado do Rio Grande do Sul S A : Results Presentation 4Q22
February 16, 2023 at 07:39 am EST
I N V E S T O R R E L A T I O N S D E P A R T M E N T
Agenda
1 2 3
Our
Our
Appendix
Highlights
Performance
Banrisul in 2022
Rebranding
new brand
new concept
+ humane
+ inclusive
+ present
+ innovative
+ collective
+ sustainable
1 Expected to leave between April and August 2023.
People
Optimization
of the workforce
10,283
9,280
9,002
8,658
Dec-19
Dec-20
Dec-21
Dec-22
VoluntaryTermination
Program
511 employees1
Staff renewal via new selection processes
274 positions
1,335 positions
IT banking
ESG
100%
neutralization
of direct and energy emissions of 2021
Purchase of
+
Renewable
CreditsCarbon
CertificatesEnergy
IREC
Transition to the use of
energyfrom
renewablesources
covering
100 branches
Gold Seal
2021 Greenhouse Gas
Inventory
GHG Protocol
3
Loan Portfolio
Loan Portfolio Balance
▲ 19.7
49.1
47.4
R$ Billion
42.4
44.6
3%
41.0
11%
37.6
38.7
36.2
36.0
36.6
16%
4%
11%
18%
7%
17%
60%
52%
Dec-19Jun-20Dec-20Jun-21Sep-21Dec-21Mar-22Jun-22Sep-22Dec-22
Individuals Companies Rural Real Estate Other
Main Growth Drivers
R$ Billion
▲ 3.1%
43.7 45.0
2021 2022
▲ 64.6
2022 vs 2021
Rural
▲ 15.2
2022 vs 2021 Companies
▲ 33.4
2022 vs 2021 Real Estate
▲ 39.8
2022 vs 2021
Foreign
Exchange
Individuals
% Change
YoY
QoQ
Payroll Loans
8.9%
-1.3%
Consumer Loans
40.4%
8.8%
Companies
% Change
YoY
QoQ
Working Capital
27.7%
5.9%
Debt Accounts
14.7%
-7.3%
Rural and Real Estate
% Change
YoY
QoQ
Rural
62.9%
17.4%
4
Real Estate
19.0%
2.1%
Rural Credit
Rural Credit Portfolio
R$ Million
▲ 62.9%
7,880
4,837
By Type of Financing¹
3.5%2.3%
27.9%
66.2%
Cost
Investment
Commercialization
Industrialization
By Farmer
Category¹
42.3% 20.6%
37.1%
Asset Quality
0.31%
NPL > 90d
Dec/22
1 Breakdown of the Balance of the Rural Credit Portfolio in December/22.
Crop Plan 2022/2023
R$ 7 billion
66%
in credit
Granted
5
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BANRISUL - Banco do Estado do Rio Grande do Sul SA published this content on 16 February 2023 and is solely responsible for the information contained therein. Distributed by Public , unedited and unaltered, on 16 February 2023 12:38:04 UTC .
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Duration Auto. 2 months 3 months 6 months 9 months 1 year 2 years 5 years 10 years Max.
Period Day Week
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Banco do Estado do Rio Grande do Sul SA (Banrisul) is a Brazil-based commercial bank that provides personal and corporate banking services. Banrisul offers a range of financial products and services, such as personal and real estate loans, debit and credit cards, securities brokerage, portfolio management, car and equipment leasing, investment services, international trade support, life and property insurances, among others.
More about the company
Last Close Price
11.29
BRL
Average target price
14.56
BRL
Spread / Average Target
+28.99%
Consensus
1st Jan change
Capi.
-15.73% 906M +26.58% 211B -1.06% 71.34B +10.22% 56.84B +12.46% 52.28B +23.17% 52.07B +35.60% 48.49B +6.20% 34.91B -21.36% 32.98B -96.60% 32.24B
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+951% of historical performance
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