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Material Fact - 2019 Guidance

Material Fact

Banco do Estado do Rio Grande do Sul S.A. ("Banrisul"), pursuant to Instruction no. 358 of January 3, 2002, issued by the Brazilian Securities and Exchange Commission ("CVM"), as amended ("CVM Instruction 358"), and Paragraph 4 of Article 157 of Law no. 6404 of December 15, 1976, as amended ("Corporation Law"), hereby discloses its goals for 2019, as follows:

Guidance 2019
Credit Portfolio 4% to 8%
Non-direct Lending - Individuals 6% to 10%
Non-direct Lending - Companies 1% to 5%
Real Estate Loans 4% to 8%
Allowance for Loan Losses Expenses/Credit Portfolio 3% to 4%
Allowance for Loan Losses Balance/Credit Portfolio 6.5% to 7.5%
Funding 6% to 10%
Recurring Return on Average Shareholders‘ Equity 16% to 19%
Efficiency Ratio 50% to 54%
Net Financial Margin / Interest-Earning Assets 7.5% to 8.5%

To access the PDF file, click here.

Porto Alegre, February 12, 2019.

Júlio Francisco Gregory Brunet
Planning, Service Channels and Investor Relations Officer
Banco do Estado do Rio Grande do Sul S.A. - Banrisul


Contact IR

Phone: +55 51 3215-3232
E-mail: ri@banrisul.com.br

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