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OCT/18
www.agibank.com.br
INSTITUTIONAL PRESENTATION
We are a technology company trying to provide the
best financial experience for millions of people who
have no place in today's banking system, offering
them increasingly simple, quick and accessible
products and services.
WHO WE ARE
FULL-SERVICE ONLINE BANK
KEY DIFFERENTIATING FACTORS
RESULTS
MANAGEMENT &CORPORATE GOVERNANCE
WE ARE MORE
THAN AN
ONLINE BANK.
• Ethics means ethics!
• We're crazy about attracting and recognizing talent.• Passion for people is what drives us.• We work based on collaboration and flow.
• Technology and innovation are in our DNA.
• We work tirelessly to achieve our goals.• There's nothing better than winning together.
• The client really matters!• Promoting financial inclusion means making the
world a better place.
WHO WE ARE
VALUES
WH
O W
E A
RE
3
WHO WE ARE
OVERVIEW
WH
O W
E A
RE
WHO WE ARE
A technology company with banking license
Focused on unbanked population
One-stop-shop offinancial products
Pioneering: cellphone number as account number
Disruptivepaymentssolution
HOW WE WORK
Nationwide reach
+3.2k
+745kClients (Jun/18)
Associates (Jun/18)
Omnichannelstrategy
WHERE WE ARE
Credit Portfolio
+R$ 110.6 million (1H18)
+189.6% vs 1H17
55.1% (Jun/18)
+9.5 p.p. vs Jun/17
+R$ 1.5 bi (Jun/18)
+101.8% vs Jun/17
ROAA
WHERE WE ARE GOING
To be among the top 10 banks in Brazil in net income by 2022.
Recurring Net Income
ROAE
13.9% (Jun/18)
+0.2 p.p. vs Jun/17
4
522Outlets (Jun/18)
WHO WE ARE
TRACK RECORD
WH
O W
E A
RE
Number of Clients (in thousands) Credit Portfolio (in billions of BRL)
Source: Company
(1) Dec/09
(2) Dec/16
(3) Dec/17
(4) Jun/18
Dealer of Credit
Largest payroll credit operator
in Brazil (2004)
Partnership with MasterCard
Authorized by the Brazilian Central Bank
to operate in the consumer finance
business
Acquisition of Banco Gerador to create
one-stop-shop
Omnichannel platform
Agibank Pay (QR Code): innovation in
payment solution
Exclusive agreement with Bradesco in
payroll loans
Digital solutions to connect banks and
people
Credit analysis technology
31 subsidiaries in several Brazilian states
Relationship bank
Fully digital
Multiple Products
Artificial Intelligence
Credit Relationship
Start-upAgiplan: the beginning
Channel ExpansionFast expansion across Brazil
RepositioningBuilding a full-service financial
operation
Driving the Digital
RevolutionTransformation Stage
1999/09
2009/112011/16
2016/172018…
Massive Growth with
ResultsStrengthening infrastructure
2
+150 (1)
+215 (2)
+450 (3)
R$ 1.0 bi (3)
+745 (4)
R$ 1.5 bi (4)
R$ 0.5 bi (2)
5
We innovate so technology can increase
inclusion and give you more time to enjoy
the moment.
WHO WE ARE
FULL-SERVICE ONLINE BANK
RESULTS
MANAGEMENT &CORPORATE GOVERNANCE WE SEEK
INNOVATION AND
INCLUSION.
KEY DIFFERENTIATING FACTORS
FULL-SERVICE ONLINE BANK
PRODUCT PORTFOLIO
FULL
-SER
VIC
E O
NLI
NE
BA
NK
7
Individuals
Checkingaccount credit
Checkingaccount
Debit/Credit cardsInsurance
Credit
Investments
AgibankPay
Purchasingpool
MSMEs
Credit
Checking
account
AcquiringPayroll
Investments
Banking
Account
AgibankPay
Payment
slips
A fully digital checking account with no red tape.
Paying invoices
Transfers
Paying a contact or group of friends
Shopping with Agibank Pay / QR Code
Cashing paychecks
Online credit
New accounts in 2 minutes
FULL-SERVICE ONLINE BANK
100% DIGITAL ACCOUNT
FULL
-SER
VIC
E O
NLI
NE
BA
NK
8
AGIBANK
For small businesses, the first fully digital account in Brazil.
With it, you can set up collection groups, receive payments, send invoices, pay bills, do your payroll, and much more.
Using the QR Code, clients can make pay vendors directly. There are no fees, no card readers, no middlemen, and no waiting.
FULL-SERVICE ONLINE BANK
MSMEs BANK ACCOUNT
FULL
-SER
VIC
E O
NLI
NE
BA
NK
9
Loaded with benefits soyou can use it and
withdraw cash anywherein Brazil and around the
world.
FULL-SERVICE ONLINE BANK
INTERNATIONAL DEBIT AND CREDIT CARDS
FULL
-SER
VIC
E O
NLI
NE
BA
NK
10
The Agibank time deposit allows investors to knowahead of time how much and for how long theirmoney will earn.
An app to invest and track your earnings
Personalized, expert service.
Fixed and floating rates.Safe investments, guaranteed by
the FGC.*
* Fundo Garantidor de Crédito (Credit Guarantee Fund)
FULL-SERVICE ONLINE BANK
INVESTMENTS
FULL
-SER
VIC
E O
NLI
NE
BA
NK
11
Personal LoansFor retirees, pensioners, military personnel and civil servants, even those who've already used up their payroll discount limits.
Loans for Private Sector WorkersA new service from Agibank, so private-sector employees can have access to creditand use it as they see fit.
Payroll LoansPayroll deduction loans in up to 72 installments with reduced fees. You can also order anAgibank Payroll Credit Card to increase your limit.
FULL-SERVICE ONLINE BANK
CREDIT
FULL
-SER
VIC
E O
NLI
NE
BA
NK
12
Consórcio Agibank allows you to achieve your dream of owning a car, buying a new home or renovating an old one. No money down andno interest, just right for each client.
FULL-SERVICE ONLINE BANK
CONSÓRCIOS (PRE-PURCHASE FINANCING POOL)
FULL
-SER
VIC
E O
NLI
NE
BA
NK
13
Insurance plans for your family and your company.
Peace of mind: things are rarely more valuable than
that. The Agibank Homeowners
Insurance protects your home from the
unexpected.
A car is a valuable asset, but your peace of mind is worth
even more. Insurance policies for your car, truck
or motorcycle will keep them safe without busting
your wallet.
Agibank Life Insurance has no waiting period for clients between 18 and 80, but it
does have weekly cash prizes.
HOMEOWNERS INSURANCE LIFE INSURANCEAUTO INSURANCE
FULL-SERVICE ONLINE BANK
INSURANCE
FULL
-SER
VIC
E O
NLI
NE
BA
NK
14
WHO WE ARE
FULL-SERVICE ONLINE BANK
KEY DIFFERENTIATING FACTORS
RESULTS
MANAGEMENT &CORPORATE GOVERNANCE
The only digital bank in the world where the accountnumber is your cell phone number.
QR Code Payments.
Real-time online credit.
An online-only bank with no red tape.
P2P payments.
Omnichannel: access the account throughvarious points of contact.
ASA Method (Agile Scale Agibank).
An online account for your small business.
The bank of financial inclusion.
Open your account in just 2 minutes.
The first bank in the world to turn your cellphone number into your checking account number
No delays, no invites, no red tape.
Starting an Agibank account is easy.
With a single document in hand, the
client can start a checking account
within minutes.
Account number
as cellphone number:
a patented idea
KEY DIFFERENTIATING FACTORS
PIONEERING
KEY
DIF
FER
ENTI
ATI
NG
FA
CTO
RS
16
Omnichannel strategy:Fully-integrated physical and digital channels.
KEY DIFFERENTIATING FACTORS
OMNICHANNEL STRATEGY
17
KEY
DIF
FER
ENTI
ATI
NG
FA
CTO
RS
We focus on financial inclusion. That means we need to be close to people.
We have 522* outlets throughout Brazil, present in every state.
We provide services and help clients migrate to thedigital banking environment.
* As of June 30, 2018.
Illu
stra
tion
South: 116Midwest: 39Southeast: 282
Northeast: 60North: 25
KEY DIFFERENTIATING FACTORS
NATIONAL REACH
18
KEY
DIF
FER
ENTI
ATI
NG
FA
CTO
RS
Method based on agile practices and principles to develop innovative products, including the
world-renowned Scrum and Lean methods.
• Structure in tribes and squads.
• Autonomous, collaborative teams.
• Agility, adaptability and creativity.
KEY DIFFERENTIATING FACTORS
AGILE SCALE AGIBANK (ASA)
19
KEY
DIF
FER
ENTI
ATI
NG
FA
CTO
RS
The future is now at Agibank.
Technology and automation to generate superior results.
More precision, efficiency and optimization for the customer services.
Mari: the digital assistant that generates qualifiedleads to underwrite new loans.
KEY DIFFERENTIATING FACTORS
TECHNOLOGY IN ALL PROCESSES
20
KEY
DIF
FER
ENTI
ATI
NG
FA
CTO
RS
KEY DIFFERENTIATING FACTORS
DIGITAL ARCHITECTURE
21
Referencearchitecture for theOnline Bank (SMACIT):
Social
MobileAnalytics
Cloud
ioT +AI
KEY
DIF
FER
ENTI
ATI
NG
FA
CTO
RS
WHO WE ARE
FULL-SERVICE ONLINE BANK
RESULTS
MANAGEMENT &CORPORATE GOVERNANCE
WE ARE CONNECTED
TO OUR CLIENTS.
A company that values what its
clients value. And that's because, to
us, values are never just numbers.
KEY DIFFERENTIATING FACTORS
RESULTS
1ST HALF OF 2018
RES
ULT
S
23
RECURRINGNET INCOME(in BRL millions)
NUMBER OFCLIENTS(in thousands)
REVENUE FROMFINANCIALINTERMEDIATION(in BRL millions)
GROSS PROFIT FROMFINANCIALINTERMEDIATION(in BRL millions)
NETEQUITY(in BRL millions)
RETURNON EQUITY(%)
TOTALASSETS(in BRL millions)
RETURNON ASSETS(%)
1H16 1H17 1H18 1H16 1H17 1H18 1H16 1H17 1H18 1H16 1H17 1H18
1H16 1H17 1H18 1H16 1H17 1H18 1H16 1H17 1H18 1H16 1H17 1H18
37.0 38.2 110.6 203.8 304.9 745.5 226.0 383.4 778.5 155.7 248.7 500.2
200.5 284.3 431.7 42.3% 45.6% 55.1% 648.3 967.5 1,868.8 13.7% 13.7% 13.9%
+189.6% +144.5%+103.0% +101.1%
+51.9%+9.5p.p
+93.2%+0.2p.p
RESULTS
TOTAL CREDIT PORTFOLIOin BRL millions, unless otherwise stated
RES
ULT
S
Credit Portfolio Jun/18 Dec/17 Jun/17 Jun/18 x Dec/17 Jun/18 x Jun/17
Personal Loans 1,044.7 705.0 545.4 48.2% 91.6%
Digital Credit Card 226.9 114.6 46.8 98.0% 385.2%
Payroll-Deductible Credit Card Loans 154.4 151.5 138.1 1.9% 11.8%
Payroll-Deductible Loans 79.3 42.9 20.1 84.8% 294.3%
Digital Overdraft Accounts 10.3 2.8 0.6 260.5% 1,537.4%
Total Credit Portfolio 1,515.6 1,016.9 751.0 49.0% 101.8%
68.9%
15.0%
10.2%
5.2%
0.7%Personal Loans
Digital Credit Card
Payroll-Deductible Credit Card Loans
Payroll-Deductible Loans
Digital Overdraft Accounts
24
CREDITPORTFOLIO(in BRL millions)
1H16 1H17 1H18
434.6 751.0 1,515.6
+101.8%
RESULTS
RISK AND LIQUIDITY INDICATORS
RES
ULT
S
25
CAPITAL ADEQUACY RATIO
Mar/17 Jun/17 Sep/17 Dec/17 Mar/18 Jun/18 Mar/17 Jun/17 Sep/17 Dec/17 Mar/18 Jun/18
16.1% 16.9% 16.6% 19.1% 17.7% 18.1% 272.2% 123.4% 73.5% 899.8% 948.2% 1,392.3%
LIQUIDITY COVERAGE RATIO
RESULTS
VALOR 1000: AGIBANK STANDS OUT IN THE RANKING
26
The 2018 edition of the traditional Valor 1000* yearbook ranked Agibank as the best bank in two categories: among the small and
medium-sized banks, it has the highest operating profitability, and also the best return on equity (ROE). In the overall ranking of Brazil’s
one hundred largest banks by total assets, Agibank rose ten positions compared to the 2017 edition. The rankings are based on the 2017
financial statements disclosed by the companies.
Among small and medium-sized banks, Agibank ranks second among those that grew the most in total deposits, fourth among those that
grew the most in credit operations and in seventh place in the lowest operating cost criterion.
*The Valor 1000 yearbook is one of the most complete on the companies that operate in Brazil, and a reference for the business world. The study is carried out by the Center for Finance Studies of the Getúlio Vargas Foundation (FGV-EAE) and analyzed by Serasa Experian. In
addition to the 100 largest banks, 25 sectors of the Brazilian economy are evaluated, from which the 1000 largest companies in the country are listed, as well as the 50 largest by region.
Ranking Valor 1000 Agibank Position
Top 20 operating profitability without asset equivalence, among small and medium-sized banks 1st
Top 20 return on equity (ROE) among small and medium-sized banks 1st
Top 20 growth in total deposits among small and medium-sized banks 2nd
Top 20 growth in credit operations among small and medium-sized banks 4th
Top 20 with the lowest operative cost among small and medium-sized banks 7th
Top 100 largest banks (overall ranking) 81st
RES
ULT
S
WHO WE ARE
FULL-SERVICE ONLINE BANK
RESULTS
MANAGEMENT & CORPORATE GOVERNANCE WE ARE A
TECHNOLOGY
COMPANY.
Our company is different, and it
makes a difference every day, for our
team and for our partners.
KEY DIFFERENCIATION FACTORS
MANAGEMENT & CORPORATE GOVERNANCE
OVERVIEW
MA
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SHAREHOLDERS’ MEETING
DEPARTMENTAL OFFICERS
BOARD OF DIRECTORS
CEO
EXECUTIVE OFFICERS
COMPENSATION COMMITTEE
COMMERCIAL COMMITTEE
CREDIT COMMITTEE
TREASURY COMMITTEE
PEOPLE MANAGEMENT COMMITTEE
IT COMMITTEE
PRODUCT COMMITTEE
AUDIT COMMITTEE
MANAGEMENT & CORPORATE GOVERNANCE
BOARD OF DIRECTORS
Ademir Cossielo
Began his career at Bradesco at the age of 18,
where he worked for 39 years, occupying
positions at all hierarchical levels. Left the
bank as Statutory Executive Director in 2012.
An Executive Director at banks BANEB, BCN,
BILBAO VIZCAYA ARGENTARIA, BMC,
FINANCIADORA BRADESCO, and other
Bradesco companies, as well as a member of
various statutory committees. In 2012,
Ademir became vice-president of Banco
Gerador S.A., headquartered in Recife,
Pernambuco, and from 2014 to 2016 was the
president of that institution.
(Chairman)
Marciano Testa
A bachelor in Economics with a graduate
degree in Finance, Marciano Testa is the
Founder, CEO and Board Member of the bank.
Eighteen years ago, he started Agiplan, the
company that would become the financial
conglomerate led by Agibank, the largest
privately-held bank in Southern Brazil. In
recent years, he has worked on excellence in
regulatory compliance and management by
studying Corporate Governance (at Insead,
France) and APG Senior, the Amana-Key
Advanced Management Program (São Paulo).
He recently led the launch of the 100% Online
Account, which provides a disruptive and
innovative payment solution as well as
traditional banking services.
(Vice Chairman)Aod Cunha
Aod Cunha has a Post Doctoral Degree and
was a visiting researcher at Columbia
University (2009), was president of Fundação
de Economia e Estatística (FEE, Economics and
Statistics Foundation) of Rio Grande do Sul
(2003-2006), Secretary of the Treasury of Rio
Grande do Sul and Chairman of the Board of
Banrisul (2007- 2009), Senior Consultant at
the World Bank (2010), Managing Director at
J.P. Morgan (2011-2014), Partner at Banco
BTG Pactual (2014-2016), and Board Member
at Banco Pan (2015-2016). He is currently a
Board Member at Gerdau and Grupo VIBRA,
as well as member of the JAYMAR
Investments Committee and family offices
economic consultant.
Rodrigo Rosa de Souza
A lawyer specializing in contract law and corporate law,
with an emphasis on negotiating and structuring
contracts and investments, both nationally and
internationally, including mergers and acquisitions,
reorganizations, financial markets, structured
operations, joint ventures, development of
commodities origination and exports, as well as
renewable energy production. With a law degree from
Universidade Federal do Rio Grande do Sul and an MBA
in Corporate Law and Financial Law from Fundação
Getúlio Vargas, Mr. Souza has been recognized by
major publications such as Chambers LATIN AMERICA,
Chambers GLOBAL and Análise Advocacia 500 as one of
the most important professionals in the areas of
“Corporate / Commercial: South” and “Energy &
Natural Resources: Power.”
Cyro Diehl
Cyro de Souza Diehl is an experienced
business executive from the technology
sector, having worked as Director General at
Oracle do Brasil Sistemas from 1997 to 2016.
Since July 2018, he has been a member of
the Board of Directors of Cassis Capital
Group, with stakes in companies in the areas
of Fiscal Compliance, Imports & Exports, and
IT Governance. Since November 2016, he
has been the Founder and CEO of
CloudTarget, a company specializing in
Hybrid Cloud (Public and Private)
management services.
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MANAGEMENT & CORPORATE GOVERNANCE
EXECUTIVE OFFICERS
Marciano Testa
A bachelor in Economics with a graduate
degree in Finance, Marciano Testa is the
Founder, CEO and Board Member of the bank.
Eighteen years ago, he started Agiplan, the
company that would become the financial
conglomerate led by Agibank, the largest
privately-held bank in Southern Brazil. In
recent years, he has worked on excellence in
regulatory compliance and management by
studying Corporate Governance (at Insead,
France) and APG Senior, the Amana-Key
Advanced Management Program (São Paulo).
He recently led the launch of the 100% Online
Account, which provides a disruptive and
innovative payment solution as well as
traditional banking services.
(CEO)
Held several management positions at Banco
AJ Renner, where he worked for 20 years. Left
the bank in 2011, where he was Managing
and Financial Director, to take up the same
position at Agiplan, the company that gave
birth to the group controlling Agibank. He is
currently in charge of Risk Management,
Controllership, Administration, Compliance,
Legal, Expansion, and Benefits. His 27-year
career in the financial market includes work in
credit, collections, implementing credit
scoring systems, investments, compliance,
and risk. Academically, he has a bachelor's
degree in Accounting from PUC-RS and an
MBA in Finance and Business Management
from Fundação Getúlio Vargas.
Vitor Hruby(CRO)
In charge of Credit, Funding, Back Office,
Service Channels, and Client Recovery. She
began her 30-year career at Banco do Estado
do Rio Grande do Sul (Banrisul) as a
bookkeeping clerk and moved on to various
core banking areas, eventually becoming an
Executive Director. She has a law degree from
ULBRA, a graduate degree in Business
Management from FGV, one in Marketing
from ESPM, and a third in Marketing
Specializing Bank Management. She holds a
CPA-20 certification from ANBIMA, Member
of the Board from IBGC, and Member of the
Fiscal Board from ICSS (Social Security
Professionals Certification Institute).
Marines Bilhar(COO)
In charge of the bank's commercial
operations, the Product and Payment Solution
area, and initiatives connected to Online
Banking. With a bachelor's degree in Civil
Engineering and Information Technology, an
MBA in finance and a master's degree in
Corporate Finance, Mr. Correa worked as a
civil servant in various positions at Caixa
Econômica Federal for 17 years, where he was
often promoted. His last position at CEF was
as the bank's National Director of Strategy.
Early in 2017, he took on a new challenge and
became Commercial Director at Agibank,
where he leads a team of approximately 1,500
associates.
Glauber Correa(CCO)
In charge of Development, IT Infrastructure,
Projects, Processes, and Continuous
Improvement. The foundations of his career
have been solid performance and deliverables
in line with business strategies and digital
transformation, with over 15 years of
experience. He started at Sicredi in 2002, as a
developer, and from 2006 on took on
management positions, eventually becoming
Digital Transformation Leadership Director in
2016. He left Sicredi the following year to lead
Agibank's Technology areas. He holds a
bachelor's degree in Business Management
with an emphasis in Systems Analysis from
PUC-RS, and has an Advanced Executive
Certificate from the MIT Sloan School, where
he studied Innovation and Technology. He was
part of the Rabobank Talent Program in the
Netherlands and Gartner Academy for
Leadership Development for Aspiring CIOs in
Chicago.
Fernando Castro(CIO)
Leads the Agibank Investor Relations area, as
well as Financial Planning and Analysis,
Finance, and Treasury. A seasoned
professional and strongly results-oriented, he
has over 13 years of experience in senior
leadership positions (CFO, COO, CIO, Director
of Planning and Management) in various
sectors (banking, manufacturing, technology,
beverages). He holds degrees from several
top-rated institutions, including the University
of Chicago Booth School of Business, UFRGS,
and FGV. In 2015, he was chosen Latin
America CIO of the Year. Before joining
Agibank, Mr. Rodrigues was business
executive at major corporations, such as
Banco Cooperativo Sicredi, Confederação
Sicredi, Teikon Tecnologia, Springer Carrier,
and Coca-Cola, among others.
Paulino Rodrigues(CFO & CIRO)
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MANAGEMENT & CORPORATE GOVERNANCE
CORPORATE STRUCTURE
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MAJORITY SHAREHOLDER 100%
BANCO AGIBANK S.A.
AGIBANK FINANCEIRA S.A. (CREDIT)
AGIBANK CORRETORA DE SEGUROS LTDA. (INSURANCE)
SOLDI PROMOTORA LTDA. (AFFILIATES)
PROMIL PROMOTORA DE VENDAS LTDA. (AFFILIATES)
AGIBANK ADMINISTRADORA DE CONSÓRCIOS LTDA. (PRE-
PURCHASE FINANCING POOL)
BANKLAB EMPRESA DE TECNOLOGIA LTDA. (TECHNOLOGY)
TELECONTATO CALLCENTER E TELEMARKETING LTDA.
(COLLECTIONS/CALL CENTER)
agibank.com.br
Keep up with Agibank.
Watch our corporate video:
https://www.youtube.com/watch?v=oiZApqafXO0
/agibank
@agibank
company/agibank/
Paulino Ramos RodriguesCFO and CIRO
Felipe Gaspar OliveiraInvestor Relations
Rua Mariante, 25 – Rio Branco
Porto Alegre - RS - Brazil / CEP 90430-181
Phone: +55 51 3921.1301
www.agibank.com.br/ri