SERVICES

Funding

Fee Business

CREDIT

Core Business

Diversified bank with 22 years of experience in the financial market.

Solid capital structure and conservative management.

Expertise in the following operations:

Intermedium at a Glance

Real Estate / Home Equity Loans

Payroll Loans

SME Loans

IntermediumDigital Account

Insurance

IDTVMBrokerage Firm

ForEx

1994

• Intermedium Financeira founded by MRV Engenharia.

2002

• Control transfered from MRV to Menin and Diniz Families.

2007

• Signature of the first Real Estate contract;

• FIDC I launch.

2008

• Permit as Multiple Bank approvedby Brazilian Central Bank;

• New equity increase of R$50 MM.

2011

• New equity increase ofR$100 MM;

• FIDC II launch.

2012

• Opening of new branchesspecialized in MortgageLoans;

• Approval as a FGTS financial agent;

• Interfronting Seguros (Insurance Firm) creation.

2013

• Intermedium DTVM(Brokerage Firm) settlement;

• Real Estate Receivable

Certificates (CRIs) Issuance.

2014

• Real Estate Loans monthlyProduction reaches R$50MM;

• Outsourced employees’shiring.

2015

• Real Estate and Home Equityportfolio reaches R$1 Billion;

• Brazilian’s Central Bankapproval for ForEx operations.

TIMELINE E CONTROLE ACIONÁRIO

ShareholdersOrdinaryShares¹

PreferredShares²

Total

Menin Family 64.1% 85.3% 74.5%

Diniz Family 35.9% 12.2% 24.3%

Others 0.0% 2.5% 1.2%

Total 100.0% 100.0% 100.0%

¹ 50.9% of the Capital.² 49.1% of the Capital.

Timeline and Ownership Structure

Timeline

Ownership Breakdown

Headquartered in Belo Horizonte with offices in São Paulo, Rio de Janeiro, Campo Grande, Curitiba and Salvador.

Eletronic Channels (Virtual ore).

Banking Correspondents, Internal Consultants e Sales Promoters.

Real Estate and Home Equity loans concession in specialized branches.

ATUAÇÃO

Branches Footprint:

* Barra da Tijuca * São José do Rio Preto * Maceió

* Barueri * São José dos Campos * Natal

* Belo Horizonte (2) * São Paulo * Recife

* Cabo Frio * Sorocaba * Salvador

* Campinas * Uberlândia * São Luís

* Juiz de Fora * Vitória * Teresina

* Jundiaí * Balneário Camboriú *João Pessoa

* Mogi das Cruzes * Curitiba * Brasília

* Piracicaba * Florianópolis * Campo Grande

* Ribeirão Preto * Londrina * Cuiabá

* Rio de Janeiro * Porto Alegre * Goiânia

* Santos * Aracajú * Palmas

* São Bern. do Campo * Fortaleza

TIMELINE E CONTROLE ACIONÁRIOBank’s Operating Structure

HIGHLIGHTS ESTRATÉGICOS

Focus on increasing the concession of mortgage and home equity loans, consolidating Intermedium as a

national reference in the segment;

Strengthen the Digital Banking platform, a key driver for the growth of our fee business;

Focus on the profitability of the SME and Payroll loans book, growing only in favorable market conditions;

Active ALM, in order to keep liquidity and market risks under control;

Funding strategy:

o Increase the individual investor’s base, lowering the dependence on large institutional investors;

o Diversify the bank’s funding, seeking long-term lines and greater adherence to Intermedium’s credit

portfolio - loan profile;

Increase the volume of fee revenues through: Digital Account + Intermedium DTVM (Brokerage Firm) +

Interfronting Seguros (Insurance) + ForEx;

Maximize operating efficiency through modern management techniques and meritocracy;

Maintain a comfortable capitalization level.

Strategic Highlights

199

327

1,806

2,190

1,662

208

168

2,351

2,523

328

2,021

2,857

174

2,196

159

30.5%

3Q15

2,333

1Q16

2,692

4Q15 2Q16

339

2Q15

320 337

DESTAQUES FINANCEIROS

2,523 2,692 2,857

4Q15 1Q16 2Q16

Total Assets / Liabilities

+ 6.7% + 6.1%

(R$ MM)

Financial Highlights

Assets

(R$ MM)

Liabilities

(R$ MM)

1522,857

2,153

552

2Q164Q15

2,5232,692

2,050

30.5%

126

3Q15

1,860

352122 348

2,333

1,708

2Q15

372110

2,113

1Q16

1432,190 436

Marketable securitiesOthers Credit Operations Shareholders’ EquityFundingOthers

49.2%

12.0%

38.2%

Payroll Loans

Real Estate

SME Loans

Credit Portfolio’s Growth

(R$ MM)

Credit Portfolio Breakdown – 2Q16

(%)

Owned vs Securitized Portfolio

(R$ MM)

DESTAQUES FINANCEIROS

69

1,920

1,876

44

2Q15

1,758

3Q15

1,689

222,188

2,165

1Q16

2,117

4Q15

2,23715

2Q16

27

2,2212,090

Securitized Portfolio Owned Portfolio

2,117 2,188 2,237

4Q15 1Q16 2Q16

Credit Portfolio

+ 3.3% + 2.2%

(R$ MM)

Financial Highlights

650 741 861 970

657687

727837

875332331

332

310278

741 861 970

687727

837 875331

332310

278

868

268

2,237

1,101

2Q16

2,117

+27.2%

2,188

4Q153Q15

1,758

1,035

1,920

1Q162Q15

Payroll Loans Real Estate and Home Equity LoansSME Loans

³ Comissions and equalizations deducted.

RECEITAS

Risk Concentration

Highest risk 0.4%

10 higher risks 3.0%

20 higher risks 4.8%

50 higher risks 8.3%

100 higher risks 12.1%

Number of Active Clients

Real Estate and Home Equity Loans 5,095

Payroll Loans 224,157

SME Loans 503

Total 229,754

111 127 119

4Q15 1Q16 2Q16

Total Credit Operations Revenues ³

+ 13.6% - 6.3%

Revenues

Credit Operations Revenues ³

(R$ MM)

Credit Portfolio’s Number of Clients – 2Q16

(units)

Credit Portfolio’s Concentration – 2Q16

(%)

(R$ MM)

35 3650 56

29 30

4149

20 24

20

21

50

49

20

119127

+41.2%

2Q161Q164Q15

111

2Q15

9184

3Q15

SME Loans Real State and Home Equity LoansPayroll Loans

Segment Portfolio E – H % Segment

Real Estate Loans 48.9 4.4%

Payroll Loans 18.7 2.1%

SME Loans 31.0 11.6%

Total 98.6 4.4%

⁵ Provisioned contracts in normal and abnormal courses.

CARTEIRA DE CRÉDITO

60 75 84

4Q15 1Q16 2Q16

Provision for Loan Losses

+ 11.5% + 12.0%

⁴ On-balance.

1.101

868

268

31

Payroll Loans SME Loans

18

Real Estate and Home Equitiy Loans

35

Credit Portfolio

Provision3.1%

2.1%

11.6%

(R$ MM)

Credit Portfolio - Loans

Evolution of Provision for Loan Losses⁴

(R$ MM)

Credit Portfolio - Loan vs Provision – 2Q16

(R$ MM)

Credit Portifolio - Loan’s Quality⁵ – 2Q16

(R$ MM / %)

16

67

35

1Q16

75

26

18

31

84

4Q15

20

18

3Q15

60

16

3028

2Q15

16

14

2Q16

49

1918

31

Real State and Home Equity LoansPayroll LoansSME Loans

191

751

1,8062,021

126

971

+41.4%

3Q16

80

905

848

4Q16

6978

1,051

2Q16

2,351

1,030

1Q16

7611,129

18993

2,196

1,66262

2Q16

669

193

49

792

10.2%

34.5%

48.0%

3.9%3.3%

LCI Inflation Indexed

LCI CDI

CDB

DPGE

Others

4.7%10.0%

3.6%

9.8%

42.8%

29.1%

Institutional

Individuals (Distributors)

Legal Entities

Financial Institutions

Shareholders

Individuals (Account holders)

CDBDPGELCIOthers

DESTAQUES FINANCEIROS

2,021 2,195 2,351

4Q15 1Q16 2Q16

Funding Base

+ 8.7% + 7.1%

Financial Highlights

Fund Raising

(R$ MM)

Products Portfolio Breakdown – 2Q16

(%)

(R$ MM)

Type of Investor – 2Q16

(%)

Financial Highlights

DESTAQUES FINANCEIROS

⁶ Comissions and equalizations deducted.

⁷ 100% tier I.

⁹ Grupo Intermedium’s employees.

Financial Highlights

Results Highlights

KPIs 1H16 1H15 2Q16 2Q15

Financial Income⁶ 275,787 201,406 136,704 103,637

Financial Expenses (201,666) (130,721) (110,320) (70,501)

Gross Financial Income⁶ 74,121 70,685 26,384 33,136

Operating Income 17,669 19,610 2,537 7,414

Net Income 12,029 15,943 2,486 8,091

Shareholders’ Equity 338,602 319,887 338,602 319,887

Ratios 1H16 1H15 2Q16 2Q15

Basel Ratio⁷ 18.8% 21.5% 18,8% 21.5%

ROAE (p.a.)⁸ 7.4% 10.5% 3.0% 10.8%

ROAA (p.a.) 0.9% 0.4% 1.6% 1.5%

Net Interest Margin (p.a.)⁶ 9.6% 10.5% 8.2% 9.6%

Efficiency Ratio⁶ 53.8% 56.8% 55.3% 54.2%

Employees⁹ 410 422 410 422

⁸ Results affected by mark-to-market of hedge operations in the 2Q16

Corporate Ratings

Rating Agency National Scale

Fitch RatingsBBB(bra) (stable)

June 2016

Standard & Poor'sbrBBB- (negative)

March 2016

Structured Finance Operations

Rating Agency Type Market Evaluation

Fitch RatingsReal Estate Receivable Certificates (CRIs) assigned by Banco

Intermedium, 305th series issued by Brazilian SecuritiesA+(bra), April 2013

Standard & Poor'sReal Estate Receivable Certificates (CRIs) assigned by Banco

Intermedium, 321st series issued by Brazilian SecuritiesbrA+, August 2015

RATINGSRatings

Investments

+55 31 3003-4070

investimentos@intermedium.com.br

Investor Relations

+55 31 2138-7968

ri@intermedium.com.br

Directors

+55 31 2101-7098

diretoria@intermedium.com.br

CONTATOSContact Us