Investor Relations Institutional Presentation His Historic De - PowerPoint PPT Presentation

3Q18 Investor Relations Institutional Presentation

His Historic De Developments  New Independent Member of the Board and new  Upgrade to BBB- by  Public offer for the acquisition Officers Fitch of Shares and delisting from Level 2  1 st Trainee Program  Upgrade to Bovespa’s Level 2 of Corporate  Syndicated loan (A/B Loan) of Governance approximately US$ 200 million  Second issuance of Local Bonds 2018  Issuance of USD300mn in Eurobonds 2017 2016  Issuance of USD225mn 2015 in Eurobonds  Creation of the Daycoval  Daycoval 50 th 2014 Asset Management Anniversary 2013  6 th Issuance of  Beginning of payroll-  Inauguration of 2011 deduction activities Local Bonds Daycoval’s 1 st branch 2010  Beginning of  Syndicated loan (A/B 2009 activities in Loan) of US$ 275 2008 Brazil through million Daycoval DTVM 2007  Public Tender 2006 Offer was  Issuance of USD500mn in successfully  Upgrade to Baa3 by 2004 bonds concluded  Issuance of BRL410mn Moody’s 1994 in convertible bonds 5 th Issuance of  4º Issuance of Local Bonds   Issuance of USD300mn in 1989 ( Letras Financeiras ) of R$ Local Bonds  IPO Eurobonds 350mn 1968  Daycoval is the first bank  Acquisition of Banco CIT Brasil 1952  Beginning of auto to issue public Local loan activities Bonds  Begin building  Maison Bancaire is comercial founded by Salim banking portfolio Dayan in Lebanon 2

Corporate Governance Boa oard of of Dire Directors Boa oard of of Exe Executive Offic fficers Years at at Sasson Dayan Name / Nam / Title Day Dayco coval Chairman Carlos Mo Moch che Day Dayan, Executive Officer - Mo Morris Da Dayan, Executive Officer - Salim Day Dayan, Executive Officer - Carlos Moche Morris Dayan Rony Dayan Dayan Albert Al t Rou Rouben, Operations Officer 19 Alexandre Rhe Al Rhein, IT Officer 12 Member Member Member Alexandre Teixeira, Vehicles Officer Al 12 Claudinei Ap Aparecido Pe Pedr dro, Commercial Officer 18 Gustavo Franco Sergio Clemente Edu Eduardo Campos, Foreign Exchange Officer 9 Independent Independent El Elie Ja Jacq cques Miz Mizrahi, Commercial Officer 15 Member Member Ma Maria Re Regi gina R. R.M. Nogu gueira, Controller 28 Nilo Cavarza zan, Payroll Loans Officer 14 Pa Paulo Au Augu gusto Saba, Treasury and Markets Officer 3 Rica Ri cardo Gelbaum, IR and Institutional Officer 6 Cap apital al St Structure Shar hareholder Tota otal Commom Shar hares* 230,820,429 Controlling Shareholders Tota otal 100.0% (*) According to the Extraordinary Shareholders Meeting held on October 30, 2018, was approved the conversion of all the preferred shares issued by the Bank, (43,253,988 preferred shares) into common shares; and increase in the capital stock in the amount of R$ 361.5 million, through issuance of 26,696,649 common shares. Waiting ratification from BACEN. 3

Cor orporate Pro rofil ile Fin Financial l Hig ighli lihgts Daycoval is a diversified bank, specialized in the Net Income concession of credit for companies (small, R$ 194.2 million in 3Q18, 53.8% higher than 2Q18 and R$ 485.9 million in 9M18, medium and large) and in the retail segment, evolution of 24.1% over 9M17. with a significant presence in foreign currency exchange operations. ROAE 23.6% p.a. in the quarter and 20.4% in 9 months and Ne Net Fi Finan nancia ial l Mar Margin in (NIM NIM) of Wide range of products and services 12.0% p.a. in 3Q18. Credit Products, Foreign Exchange and Investments (has Online Platform) for Individuals and Companies. Expanded Loan Portfolio R$ 17.5 billion, up 10.0% in the quarter and a 24.7% increase in the last 12 months. 140 Distribution points E-H portfolio 41 branches + 38 Daycred Stores (Payroll Loan) + 28 In 3Q18 closed at R$ 807.7 million, an improvement of 12.7% compared to 2Q18. exchange bureaus +33 Daypag outlets (car licensing agents and fine financing). Balance of LLP* In 3Q18 ended at R$ 871, 7 million. The loan loss provision divided by the E-H Portfolio National Coverage reached 107.9%. Presence in 21 states + 1 overseas branch (Cayman Islands). Loans overdue by more than 90 days/Loan Portfolio - including installments falling due - was 2.8% versus 3.8% in 3Q17. 1,880 Employees Basel III Ratio (Sep/2018) 15.0%, with the minimum required at 8.625%, and Shar 15 Sharehold lder´s s Equity quity of R$ 3,344.1 million. (*) Excludes the additional provision of R$ 157.9 million. 2 4

Expan Exp anded ed Loa Loan n po portfolio o reac eaches s R$ R$ 17 17.5 .5 bill billion on in in 3Q1 3Q18. 8. Expanded Loan Exp Loan Por ortfolio lio (R$ R$ mn mn) 3Q18 18 2Q18 18 Chg hg. . 3Q 3Q17 17 Chg hg. . Companies 7,504.9 6,939.5 8.1% 6,068.9 23.7% Receivables Purchase 2,567.4 1,809.1 41.9% 1,235.3 107.8% Leasing 760.0 670.5 13.3% 477.9 59.0% Avals and Sureties 1,024.4 904.6 13.2% 765.9 33.8% Tota otal Expanded Companies 14.8% 38.7% 11,856,7 10,323.7 8,548.0 Payroll Loans 4,618,0 4,616.6 n.a. 4,625.8 -0.2% Payroll Card 366.6 349,3 5.0% 302.3 21.3% Tota otal Payroll Lo Loans 0.4 0.4% 1.1% 1.1 4,984.6 4,965.9 4,928.1 Tota otal Auto to Lo Loans /Oth ther 5.9 5.9% 17.2% 661.0 624.2 564.0 Tota otal DCC 13.6% 23.0% 46.0 40.5 37.4 Tot otal Exp Expan anded Loa Loan Por ortfolio lio 10.0% 10 24.7% 24 17 17,548.3 15,954.3 15 14 14,077.5 Expanded Loa Expa Loan Port ortfolio – R$ R$ mn mn Breakdown Loa Loan Port ortfolio - % 0.2% 2% + 10.0% + 24.7% 3.8% 8% 17,548 Companies 28.4% 16,033 15,954 15,654 Payroll Loans Auto Loans 14,078 67.6% Other 3Q17 4Q17 1Q18 2Q18 3Q18 5

: G rowth of 14.8% compared to 2Q18. Companies Port ortfolio: Companies Por ortfolio – R$ R$ mn mn Hig ighlights  Focus on companies with anual revenues between R$ 10mn and R$ 300mn + 38.7% + 14.8% + 14,8%  90% of active clients with sales less than R$ 300 mn/year 11,857 10,533 10,324 10,106  85% of the tickets are lower than R$ 500,000 8,548  59% of the balance due is from clients with sales up to R$ 300 mn/year  94% of the clients have a balance due lower than R$ 5 mn 3Q17 4Q17 1Q18 2Q18 3Q18 Col ollateral - % Out utstanding Operation - % Geographic Dis Distribution - % 3% 3% 4% 4% 2%1% 1% 3% 3% 2% Receivables Maturity of 48% 16% 16% over the next Southeast 3% 3% Real Estate 10% 10% 90 days 6% 6% South Financial Investments 11% 11% 48% 48% 13% 13% Northeast Equipments / Foreign goods 72% 72% 33% 33% 58% 58% Mid-West Vehicles 17% 17% North Agricultural Products Up to 3 months 3 to 12 months Others 1 to 3 years 3 to 5 years 6

Co Companie ies Port ortfol folio io: Diversification of the sectorial breakdown Le Leas asin ing Por ortfoli lio Brea reakdown Companies R$ R$ (mn mn ) 3Q18 Chg. 1Q18  Growth of 13.3% in 3Q18 and 59.0% in 12 months. Working Capital 4,700.2 15.4%  Market Share of 5.75% (Base date June/18 – Source: Abel). Receivables Purchase 2,567.4 41.9%  Volume originated in the quarter was R$ 169.6 million, and in the first nine Guaranteed Account 1,674.8 7.3% Avals and Sureties 1,024.4 13.2% months was R$ 424.9 million. 760.0 13.3% Leasi Le sing  Total number of Contracts registered in nine months: 1,342. Trade Finance 716.6 -17.8%  Average maturity: 43 months. 413.3 -4.9% BNDES  81% of the new volume originated in 3Q18 was through the branches. Tota otal Companies 11,856.7 14.8%  99% of the new volume originated in 3Q18 was classified between A-C rating. Con oncentratio tion by by Sector 3Q18 Con oncentratio tion of of Credit Prod oduct Breakdown 43.4% Ind ndustry 29.7% Service ce 3% 3% 21.8% 100 Largest 14.9% Commerce ce 10 10 La Largest Se Sectors (*) *) Working Capital/Guaranteed Account 6% 6% 50 Largest 10.4% Road Freight Transportation 3.0% 6% 6% Receivables Purchase Oil Industry 3.0% 9% 9% Real Estate Development 2.1% 20 Largest 6.1% Avals and Sureties 54% Holding 2.1% Trade Finance 22% Wholesale of Cereal 1.9% 10 Largest 3.6% Leasing Auto Parts and Accessories Industry 1.5% Sugar and Alcohol Plant 1.5% Largest Debtor 0.8% BNDES Poultry Industry 1.4% Real Estate Development 1.3% * % over the total of the Companies portfolio 7

Network  41 branches. During the quarter, we opened a new branch in Barra da Tijuca – RJ.  In 2018 the Aracaju – SE and Florianópolis – SC branches moved to new addresses. Aracaju – SE Branch Florianópolis – SC Branch Av. Ministro Geraldo Barreto Sobral, 2100 - Edifício JFC Trade Center – Sl 1206 / 1207 Av. Jornalista Rubens de Arruda Ramos, 1168 - (Av. Beira Mar Norte) Agência Aracaju | SE 8