INSTITUTIONAL PRESENTATION OCT/18...Consórcio Agibank allows you to achieve your dream of owning a car, buying a new home or renovating an old one. No money down and no interest,

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


RESULTS

MANAGEMENT &CORPORATE GOVERNANCE WE SEEK

INNOVATION AND

INCLUSION.



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


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.


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.


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)


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.


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.


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


INSURANCE

FULL

-SER

VIC

E O

NLI

NE

BA

NK

14

WHO WE ARE



RESULTS


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


PIONEERING

KEY

DIF

FER

ENTI

ATI

NG

FA

CTO

RS

16

Omnichannel strategy:Fully-integrated physical and digital channels.


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


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.


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.


TECHNOLOGY IN ALL PROCESSES

20

KEY

DIF

FER

ENTI

ATI

NG

FA

CTO

RS


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


RESULTS


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.


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


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

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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


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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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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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

[email protected]

www.agibank.com.br/ri

Documents

INSTITUTIONAL PRESENTATION OCT/18...Consórcio Agibank allows you to achieve your dream of owning a car, buying a new home or renovating an old one. No money down and no interest,