Investor RELATIONS Earn in g s Resu lts COVID ID 19 19 | | Don - PowerPoint PPT Presentation

2Q20 Investor RELATIONS Earn in g s Resu lts

COVID ID 19 19 | | Don onations tions and and Camp ampaing aings “Overall Good Connection “ Campaign Food ood Dona Donation tion The “ Daycoval Overall Good Connection - Your donation is worth 3 ” campaign distributes one million reusable masks in 200 locations and contributes to maintaining businesses activities during the pandemic. Approximately 1,000 donations were made by employees, clients and partners. The bank tripled these donations to reach the target. Part of a number of solidarity initiatives, the Bank donated an amount equivalent to 4 tons of food to the Amigos do Bem NGO, We help more than 200 locations in and supported the “Prato Feito ” project by distributing more than 18 cities. 4,000 ready-to-eat meals to people in vulnerable situations who were affected by the pandemic. 2

Rec ecen ent In Inicia iciativ tives es New ew I Inves estor tor Rela elations tions webs bsite ite Dayco Day coval al Academy Academy In order to offer greater accessibility and functionality, the IR area launched a new Academia Daycoval presents content designed to develop, support and website. With a fully redesigned interface, the site presents some new features, such as: prepare employees for what is coming tomorrow.  Time Management – a necessary skill for professionals working from home offices.  Financial Management – being knowledgeable can be important at this moment in time.  Behavioral Skills – Content regarding emotional intelligence is essential in times of isolation and scarce connections with other people. Inte ntelligent t inf nformation layout, Responsive de Re design, enab nabling Clean layout, pr providing  Technical Skills – preparing employees for current demands with a with segm gmenta tati tion and nd viewing of of con ontent in n mo mobile inf nformati tion in n a clear view to the future, using digital transformation and project (smartphones and nd tablets) con onsolidation of of con ontent in n a more and nd easy-to to-navigate and nd de desktop versions; ; object obje ctive and nd intu ntuitive man manner; management practices, among others. for ormat. 3

Day ayco coval val Emer Emerge gent nt Cred edit it – Ne New FG FGI I PEA PEAC Pioneer in launching a loan 100% online and without the need for guarantees. In July, Daycoval started operating the New FGI PEAC (Emergency Credit Program) of the BNDES. The Daycoval Emergency Credit is a loan from Banco Daycoval for companies, without the need for collateral. The program aims to support SMEs (small and medium-sized companies) in obtaining credit, helping to overcome the economic crisis resulting from the pandemic. For more information, access this site: https://www.creditoemergencialdaycoval.com.br/ 4

Financial Highlights 2Q20 and 1H20 In R$ million Recurring ing Net In Income me Recurring ing ROAE AE Expanded Loan Exp Loan Portfoli lio R$ 576.4 R$ 576.4 million million in 1H20 +37.4% +37.4% R$ $ 26.0 26.0 billion in 2Q20 -0.6% 0.6% 29.5% 29.5% in 1H20 +5.1 +5.1 p.p .p. 1H20 vs. 1H19 2Q20 vs 1Q20 1H20 vs 1H19 576.4 30.4% 31.3% 29.1% 29.9% 26.2 26.2 27.4 27.4 26.0 26.0 29.5% 23.9 23.9 419.5 21.6 21.6 24.4% 22.2% 276.2 288.1 278.1 298.3 195.2 2Q19 2Q 19 3Q19 3Q 19 4Q 4Q19 19 1Q 1Q20 20 2Q 2Q20 20 2Q19 2Q 19 3Q 3Q19 19 4Q 4Q19 19 1Q 1Q20 20 2Q 2Q20 20 1H19 1H 19 1H 1H20 20 2Q 2Q19 19 3Q 3Q19 19 4Q 4Q19 19 1Q20 1Q 20 2Q 2Q20 20 1H 1H19 19 1H20 1H 20 LLP LLP Ba Balan lance/T /Total Portfoli lio NPLs PLs | 90 90 days ys Basel Ba sel Ra Ratio io 2.0% 2.0% in 2Q20 +0.4 0.4 p.p .p. 5.4% in 2Q20 5.4% 16.7% in 2Q20 +2.5 16.7% +2.5 p.p .p. Stable in the Stab the quart rter 2Q20 vs 1Q20 2Q20 vs 1Q20 2Q20 vs. 1Q20 2.0% 6.1% 16.7% 16.0% 15.8% 5.4% 5.4% 5.3% 1.7% 1.7% 14.1% 14.2% 4.8% 1.6% 1.5% 2Q 2Q19 19 3Q19 3Q 19 4Q19 4Q 19 1Q20 1Q 20 2Q 2Q20 20 2Q 2Q19 19 3Q19 3Q 19 4Q19 4Q 19 1Q20 1Q 20 2Q20 2Q 20 2Q 2Q19 19 3Q19 3Q 19 4Q19 4Q 19 1Q20 1Q 20 2Q20 2Q 20 5

Expanded Loan Portfolio Loan Portfolio Breakdown Chg. % Chg. % R$ million 2Q20 1Q20 2Q19 3 months 12 months 2 nd quarter of 2020 Companies 9,908.3 9,888.2 0.2% 8,649.6 14.6% 68.4% 68.4% Companies Companies Receivables Purchase 3,975.8 3,920.4 1.4% 3,316.9 19.9% Leasing 1,315.1 1,252.2 5.0% 967.8 35.9% Avals and Sureties 2,604.2 2,717.7 -4.2% 1,872.8 39.1% Payr ayroll oll Loans Loans 27.0% 27.0% 17,803.4 17,778.5 0.1% 14,807.1 20.2% Total Expanded Companies Payroll Loans 6,473.8 6,600.9 -1.9% 5,422.4 19.4% Payroll Card 533.3 534.9 -0.3% 455.0 17.2% 4.4% 4.4% Auto uto Loans Loans 7,007.1 7,135.8 -1.8% 5,877.4 19.2% Total Payroll Loans Total Auto Loans + Others 1,141.8 1,206.3 -5.3% 907.4 25.8% Others Other 0.2% 0.2% 57.5 57.1 0.7% 53.4 7.7% Home Equity Total Expanded Loan Portfolio 26,009.8 26,177.7 -0.6% 21,645.3 20.2% Expanded Loan Portfolio 27,360 26,178 R$ Million 26,010 23,900 21,645 19,907 19,711 17,548 15,954 2Q 2Q18 18 3Q18 3Q 18 4Q18 4Q 18 1Q 1Q19 19 2Q 2Q19 19 3Q19 3Q 19 4Q 4Q19 19 1Q 1Q20 20 2Q20 2Q 20 6

Companies Portfolio By Product (%) +20.2% Working ing Ca Capit ital/ / R$ Million R$ Million +0.1% 48% 48% Guaranteed Ac Account 19,696 17,803 17,779 16,662 22% 22% Receiv ivables les Pur Purchases ses 14,807 15% 15% Avals vals and and Sur Sureties ies Trade Fina inance 7% 7% 7% Leasi sing 1% BNDES BNDES 2Q19 3Q19 4Q19 1Q20 2Q20 Coll Co llateral - % Outstanding Operation - % 2Q20 Jun/2 /20 Jun/1 /19 2% 2% Receivables 2%1% 1% 3% 3% 2% 2%1% 1% 3% 3% 2% Real State 18% 18% 6% 6% 5% 5% Equipments/Foreign Goods 7% 7% 8% 8% Financial Investments 12% 12% 11% 11% 80% 80% 69% 69% 70% 70% Vehicles Agricultural Products Others Up to 12 months 1 to 3 years 3 to 5 years 7

Companies Portfolio National Presence Loan Portfolio Distribution X GDP Client Concentration 100 largest 19.8% 50 largest 14.6% Northeast 12% 20 largest 9.5% 16.7% of GDP 10 largest 6.7% Largest 1.3% Debtor Mid-West + Southeast North 59% Concentr trati tion by by sector tor 13% 2Q20 2T19 52.9% of GDP Industry 42.9% 45.0% 13.9% of GDP Service 30.0% 28.7% Commerce 19.9% 20.2% 10 Largest Sectors (*) South Malt Industry 2.9% 1.7% 16% Auto Parts and Accessories Industry 2.7% 1.4% Road Freight Transportation 2.6% 2.3% 16.5% of GDP Electricity Generation 2.2% 1.7% Sugar and Alcohol Plant 2.0% 1.3% Poultry Industry 2.0% 3.1% Food and Cereal Wholesaler 1.7% 1.5% Loan Portfolio GDP* Holding 1.6% 1.6% *Source: GDP by Geoghaphical Region IBGE Oil Industry 1.5% 2.5% Technical services 1.3% 0.2% (*) % over the total of the companies portfolio 8

Payroll Loans Total Portfolio Highlights | 2Q20 +19.2% R$ Million -1.8% Number umber of of Number umber of of 40 40 own own stor stores es – IFP IFP 7,136 Refina efinancing ncing 7,007 cont contract acts s in in act active ive client clients Originat igination ion (Refin efin) ) 6,484 the he por portfolio folio 6,174 31 31.3% .3% sha share o e of sale sales s 5,887 68% 68% in t in the quar he quarter er 1,4 1,421 21.00 .000 804,000 804,000 Portfolio Por folio Register egistered ed Payr Payroll oll Car ard Dur urat ation ion Cor orrespondent espondent R$ 533.3 $ 533.3 1,000 1,000 million million 17 mont 17 months hs 2Q19 3Q19 4Q19 1Q20 2Q20 Po Portfo rtfolio Ori riginati tion – R$ mn mn Bre reakdown Loan Loan Ori riginati tion - % % Brea reakdown Pa Payroll roll Loan Loan - % % In 2Q20 In 2Q 20 we we 63.6% 63.6% IN INSS SS or originat iginated ed IN INSS SS+Army+ my+SI SIAPE PE Pr Product oduction ion R$ 297.6 $ 297.6 million million reached eached 61.1% 61.1% 1.3% 3.1% thr hrough ough this his 1,446 1,494 1,295 channel. channel . 1,252 5.7% INSS 698 INSS 664 1,060 9.0% 8.8% 606 546 Army Army 31.5% 12.2% 343 State Government State Government 13.8% 796 61.1% 782 689 707 718 Municipalities Municipalities 21.1% 9.3% Government/SIAPE Government/SIAPE 23.1% Others Others 2Q19 3Q19 4Q19 1Q20 2Q20 Net Origination Refin. Total 9

Auto Loans Auto Loan Portfolio Highlights | 2Q20 +25.8% R$ million -5.3% 1,206 Por Portfolio folio Average verage Number umber of of 1,142 1,124 Average verage Dur urat ation ion Inter Int erest est Rat ate e cont contract acts 1,010 Ticket Ticket (year year) ) 907 R$ 8,800 $ 8,800 125,200 125,200 37.1% 37.1% 16 16 mont months hs Focus on Focus on the he 147 147 Sout Southeast heast of of 2Q19 3Q19 4Q19 1Q20 2Q20 Promot Pr omoter ers Braz azil il Outstanding Operation (%) Origination of Auto Loan Portfolio – R$ mn 218 18 4% 4% Originat igination ion Volume olume 206 06 187 87 R$ $ 25.7 25.7 million million 172 72 in the in he quar quarter er 15% 15% Maturity of 96% 135 35 over the next 3 117 17 113 13 years 103 03 94 94 91 91 79 79 46% 46% 67 67 35% 35% 26 26 2Q17 3Q17 4Q17 1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20 Up to 3 months 3 to 12 months 1 to 3 years 3 to 5 years 10 10