Banco Pine - Institutional Presentation 3Q12

3Q12 Institutional Presentation

History and Profile

PINE

History

Business Strategy

Competitive Landscape

Focus on the Client

Corporate Credit

FICC

PINE Investimentos

Distribution

Pillars

Rating Upgrades

Summary

2/33Investor Relations | 3Q12 |

Rating Upgrades

Highlights and Results

Corporate Governance and PINE4

Organizational Structure

Corporate Governance

Committees

Dividends and Interest on own Capital

Appendix

History and Profile

PINESpecialized in providing financial solutions for wholesale clients…

Credit Portfolio by Annual Client Revenues

September 30th, 2012

Over R$1 billion56%

R$500 million to R$1 billion

18%

R$150 million to R$500 million19%

Up to R$150 million7%


Profile

Focused on establishing long-term relationships

Profound knowledge and product penetration

Business is structured along four primary business lines:

• Corporate Credit: credit and financing products

• FICC: instruments for hedging and riskmanagement

• PINE Investimentos: Investment Banking andInvestment Management

• Distribution of Banking Products: Funding andinvestment solutions for foreign and localinvestors

18%

801 827 825

867

1,015

1,216

History...with extensive knowledge of Brazil’s corporate credit cycle.

1939Pinheiro Family

foundsBanco Central do

Nordeste

1975Noberto Pinheiro

End of 2007Focus on expanding the Corporate Banking franchise

Discontinuation of the payroll-deductible loan business

May, 2007Creation of PINE Investimentos product line and

opening of Cayman branch

2005

October, 2007Creation of the Hedging Desk

October, 2011Subscription of PINE’s capital by DEG

August, 2012 Subscription of PINE’s capital by DEG, Proparco, Controlling shareholder and management

November, 2012Opening of broker dealer in New York, PINE Securities USA LLC


155 184 222 341 521 620 755 663 761 1,214

2,854

4,254 4,804

6,033

7,063 7,444

18 62

121 126 140 136 152 171 209

335

Dec-97

Dec-98

Dec-99

Dec-00

Dec-01

Dec-02

Dec-03

Dec-04

Dec-05

Dec-06

Dec-07

Dec-08

Dec-09

Dec-10

Dec-11

Sept-12

1997Noberto and Nelson Pinheiro sell their stake in BMC and

found PINE

March, 2007

IPO

Noberto Pinheiro becomes one of BMC’s controlling shareholders

Devaluationof the real

Nasdaq Sept. 11 Brazilian Elections

(Lula)

SubprimeAsian Crisis

Russian Crisis

European Community

May, 2012

15 years

Corporate Credit Portfolio (R$ Millions)

Shareholders' Equity (R$ Millions)

2005Noberto Pinheiro becomes PINE’s sole

shareholder

Business Strategy

Competitive LandscapePINE serves a niche market of companies that lack adequate banking options, seeking a bank that fully understands their needs.

100% Corporate

Large Multi-Services banks

Market

Consolidation of the banking sector hasdecreased the supply of credit lines and financialinstruments for corporates

Foreign banks are in a deleveraging process

PINE


100% focused on providing complete service to companies, offering customized products

.

Corporate & SME

SME & Retail

Retail

Full service Bank – Credit, Hedging, andInvestment Bank products – with room forgrowth

~10 clients per officer

Competitive Advantages:

� Focus

� Fast response: Strong relationship withclients, with the credit committeemeeting twice a week and response timesto clients of no more than one week

� Specialized services

� Tailor-made solutions

� Product diversity

Foreign and Investment Banks

Focus Always on the ClientThe bank develops a strategy of product diversity, tailored to meet the needs of each client.

Working Capital

CDIs

Overdraft

Fixed Income

Currencies

Commodities

Equities

CDBs

CDs

RDBs

LCAs

LCIs

DebenturesCRIs

CCBs

Eurobonds

PrivatePlacements

Financial Letters

TreasuryDistribution

Local Currency

Foreign Currency

Pricing of Assets and Liabilities

LiquidityManagement

Trading

Working CapitalUnderwriting


BankGuarantees

Exclusive Funds

Portfolio

Management

Swap NDFsStructured Swaps

BNDES Onlending

Bank Guarantees

Compror

ACC/ACE

Export Finance

Finimp

Letters of Credit

2,770 onlending

OverdraftAccounts

Syndicated andStructured Loans

ClientsCorporateCredit

FICC

PINEInvestimentos

Capital Markets

Financial Advisory

Fixed Income Currencies

Commodities

Local Currency

Onlending

Foreign Currency

Trade FinanceParticipation

Funds

Options

Corporate & StructuredFinance

M&A

Project Finance

StructuredFinance

InvestmentManagement

Private Credit Funds

Real Estate Funds

Rural Credit

Corporate Credit

Actions Credit Committee

Strong track record and solid credit origination and approval process.

Meets twice a week – reviewing 20 proposals on average

Minimum quorum: 4 members - attendance of CEO orChairman is mandatory

Members:

Chairman of the Board

CEO

Chief Operating Officer

Chief Administrative Officer

Chief Risk Officer

Personalized, agile service, working closely with clientsand keeping a low client to account officer ratio: eachofficer handles ~10 economic groups on average.

Geographic coverage of clients, providing the bank withlocal and extremely up-to-date credit intelligence andinformation.

Established long term relationships with more than 600economic groups

Origination network is comprised of 11 branches dividedinto 14 origination platforms in Brazil’s major economiccenters


Credit Approval: Electronic Process

Origination OfficersOrigination Officers

Credit origination Credit analysis, visit to clients, data updates, interaction with internal

research team

Credit AnalystsCredit AnalystsRegional Heads of

Origination and Credit Analysis

Regional Heads of Origination and Credit

Analysis

Presentation to the Credit Committee

CRO, Executive Directors and Analysts

of Credit

CRO, Executive Directors and Analysts

of Credit

Centralized and unanimous decision making process

CREDIT COMMITTEE CREDIT COMMITTEE

Chief Risk Officer

Participants:

FICC Executive Director

Credit Analysts

Other members of the Corporate Banking origination team

centers

More than 30 credit analysts, assuring that analysis isfundamentally driven and based on industry-specificintelligence

Efficient loan and collateral processes, documentation,and controls, which has resulted in a low NPL track record

Discussion on sizing, collateral, structure, etc.

FICC

Client Notional Derivatives Portfolio by Market Notional Value and MtM

PINE is the 2nd player in commodity derivatives1.

September 30th, 2012 R$ millions

Commodities22%

Fixed Income22%

Currency56%

3,709 3,712 4,287 4,720 4,875

178 157 126

256 238

358 354 354

597 629

Notional Value

MtM

Stressed MtM


Market Segments Portfolio Profile

Scenario on September, 30th

Duration: 210 days

Mark-To-Market : R$238 million

Stress Scenario (Dollar: +31% and Commodities Prices: -30%):

Stressed MTM: R$629 million

1Source: Cetip Report, September 2012

Fixed Income: Fixed, Floating, Inflation, Libor

Currencies: Dollar, Euro, Yen, Pound, Canadian Dollar,Australian Dollar

Commodities: Sugar, Soybean (Grain, Meal and Oil), Corn,Cotton, Metals, Energy

22%

Sept-11 Dec-11 Mar-12 Jun-12 Sept-12

PINE InvestimentosConsolidation of the Investment Banking franchise.

Transactions

Capital Markets: Structuring and Distribution of Fixed

Income Transactions.

Financial Advisory: Project & Structured Finance, M&A,

and hybrid capital transactions.

Assets under Management: Fixed Income, Credit Funds,

Exclusive Mandates.

R$ 90,400,000

September, 2012

Debentures

Coordinator

R$ 36,000,000

August, 2012

Debentures

Lead Coordinator

R$ 90,000,000

July, 2012

Debentures

Coordinator


Volume of Underwriting Transactions RevenuesR$ Millions R$ Millions

242

346

217

623

880

3Q11 2Q12 3Q12 9M11 9M12

2

18 1814

52

3Q11 2Q12 3Q12 9M11 9M12

September, 2012August, 2012July, 2012

4,209 4,801 5,046

973 1,447 1,679

6,2485,182 6,725

Distribution

Actions Funding

Investment alternatives in local and foreign currency to domestic and foreign investors.

Responsible for serving investors, offering traditionalinvestments and also alternatives tied to the creditorigination platform, capital markets, and assetmanagement.

It counts on PINE’s expertise in structuring andintermediating fixed income transactions.

Divided by type of investors to provide tailor madesolutions.

International

Local

R$ Millions


Sept-10 Sept -11 Sept-12

Family Offices

Individuals

Corporates

Asset Managers

Financial Institutions

Pension Funds

Foreign Investors

Market SegmentsInvestors

Local Currency

Traditional investments (local deposits such as CDB/RDB/CDI,LCA/LCI)

Senior and subordinated local notes

Debt Capital Markets (CCBs, Debentures, FIDCs, CRIs, CRAs,CDCAs, among others)

Foreign Currency

Time Deposits and CD – Certificate of Deposit

Senior and Subordinated bonds issued by PINE

Debt Capital Markets (CCB, Credit Fund, Bonds) – through CreditLinked Notes

PillarsStrategy supported by solid fundamentals, built and achieved over the years…

Strong and motivated team

Meritocracy

Right incentives

Highly qualified team

Adequate capital structure

Capital Adequacy Ratio (BIS) of 17.0%

Regulatory Capital: R$1.4 billion


Corporate clients

Strong relationship

Customized service

In-depth knowledge of client needs

Product diversity

Efficient funding structure

Longer average maturities: 16 months (Sept/12)

Greater diversification of funding sources

USD25 million 10 year funding with Proparco

Rating Upgrades...with market recognition and positive evaluation by rating agencies.

On December 7th, 2011:

PINE’s rating in global scale, toBB+ from BB- (two notches)

PINE’s rating in national scale, tobrAA from brA (three notches)

On August 23rd, 2011:

Local currency rating, to brA from

On May 14th, 2012

Foreign and Local Currency Long-Term IDR to 'BB' from 'BB'-

National Long-Term Rating to'A+(bra)' from 'A(bra)'

Viability rating upgraded to 'bb'from 'bb-'

Banco Pine S.A. USD 125 million

On August 23rd, 2012:

PINE’s outlook upgraded to Positive


Local currency rating, to brA frombrA-

Reaffirmed the Rating in foreigncurrency in BB-

Revision from PINE’s outlook topositive

Banco Pine S.A. USD 125 millionSubordinated notes to 'B+' from 'B'

Fitch attributed this upgrade to thediversification of PINE's funding profile and itsgood assets and liabilities management,provided by the adequate match of the creditand funding books. In addition, the Agencyconsidered that the positive liquidity gapallied with the good cash position evidencesthe Bank's overall solid financial strength.According to the Agency, the Bank’s continuedincrease in fee income, mainly due to higherproduct penetration, is a good indicator of thesuccessful maintenance of profitability levels.

The agency based its ratings on the strongasset-quality, adequate liquidity, capital, andearnings. S&P also emphasizes the gradualfunding diversification, through foreignissuances, securitizations, and the recentcapital increase subscribed by DEG.

Moody's explained that the positive outlookreflects PINE’s profitability through a well-executed strategy, and which has ensuredearnings recurrence. The rating action alsocaptures the bank's improved fundingdiversification, well managed asset qualitymetrics and its good liquidity and capitalmanagement.

Highlights and Results

3Q12 Events and Highlights

US$30 million, 7-year funding transaction with the Global Climate Partnership Fund (GCPF), fund backedby the German Government with the KFW Bankengruppe, the Government of Denmark and IFC, andmanaged by Deutsche Bank.

Approval by the Central Bank of the first phase of the capital increase in the amount of R$139.6 million.Amount already incorporated into shareholders´equity.

Positive revenue contributions from all business lines in 9M12: 60.2% from Corporate Credit, 17.6% fromHedging Desk, 11.2% from Treasury and 11.0% from PINE Investimentos, which continues to demonstratethe recurring nature of these revenue streams.

Positive liquidity gap maintained for over 10 quarters: 14 months for credit versus 16 months for funding.


Positive liquidity gap maintained for over 10 quarters: 14 months for credit versus 16 months for funding.

Highly liquid balance sheet, with a strong cash position of R$1.4 billion, or 41% of time deposits.

Nominated by the International Finance Corporation (IFC), as the best issuing bank, in recognition ofPine´s support of the energy efficiency sector.

Ranked amongst the 15 largest players in the CETIP derivatives ranking, and 2nd largest in commodityderivatives.

9th largest bank in Brazil in offering credit to large corporates, 15th in credit to companies, and 5th inwealth generated per employee, according to the “Melhores e Maiores” ranking compiled by Examemagazine.

3Q12 Financial HighlightsThe main performance indicators continued to show positive development in the period…

R$ Millions

6,875 7,444

Sept-11 Sept-12

Total Credit Risk1

8.3%

6,248 6,725

Sept-11 Sept-12

Total Funding

7.6%

982

1,216

Sept-11 Sept-12

Shareholders' Equity

23.8%


¹ Includes Letters of Credit to be used, Bank Guarantees, Credit Securities to be Received, and Private Securities (bonds, DRIs, eurobond,s and fund shares)

17.3% 17.7%

3Q11 3Q12

ROAE

170 bps

19.0%2

38 47

3Q11 3Q12

Net Income

23.7%

Sept-11 Sept-12 Sept-11 Sept-12 Sept-11 Sept-12

15

28

3Q11 3Q12

Fee Income

86.7%

2 Excludes capital increase of R$139.6 million incorporated into shareholders´equity

Product and Revenue Diversification ...with contributions from all business lines, fruits of the strategy of complete service to clients.

Clients with more than one Product Penetration Ratio – Clients with more than one Product

59% 60% 63%

41% 40% 37%

More than 1 product 1 product

2.8

2.9

2.8


Revenue MixSept-10 Sept-11 Sept-12 Sept-10 Sept-11 Sept-12

Corporate Credit65.9%

FICC25.3%

Treasury4.9%

PINE Investimentos

3.9%

9M11

Corporate Credit60.2%

FICC17.6%

Treasury11.2%

PINE Investimentos

11.0%

9M12

Loan Portfolio1

The portfolio has maintained its product distribution…R$ millions

881 883 883

822 800 827

1,022 1,117 1,372

1,534 1,687 1,684 1,599 1,699

555

533 622

772

756 782

1,021 1,154 942

336

269 230

190124 100

8164 47

Retail

Trade finance

Guarantees

5,6136,033 6,057

6,5456,875 7,063

7,4267,641 7,444


¹ Includes Letters of Credit to be used, Bank Guarantees, Credit Securities to be Received, and Private Securities (bonds, DRIs, eurobonds, and fund shares)

3,251 3,358 3,132 3,126 3,300 3,286 3,370 3,332 3,174

4 75 172

279 325 386 670 783644 846 881 912

881 883 883

800 827

Sept-10 Dec-10 Mar-11 Jun-11 Sept-11 Dec-11 Mar-12 Jun-12 Sept-12

BNDES Onlending

Private Securities

Working Capital

Loan Portfolio Quality

Loan Portfolio Quality Non Performing Loans > 90 days

... with quality, collaterals, and adequate credit coverage.

September 30th, 2012

0.5%

0.6% 0.7%0.6%

0.8%

0.2% 0.2%0.2% 0.2%

0.4%

Contracts overdue

Installments Overdue

AA-A

B40.5%

C11.7%

D-E2.5%

F-H1.6%


Credit Coverage Collaterals

Products Pledge47%

Receivables26%

Properties Pledge22%

Investments3%

Guarantees2%

2.7%

3.7% 3.5%

Sept-11 Jun-12 Sept-12

+80 bps

Sept-11 Dec-11 Mar-12 Jun-12 Sept-12

AA-A43.7%

1.6%

Active Loan Portfolio Management

3Q12 2Q12

Sugar and Ethanol; 19%

Construction10%

Electric and Renewable Energy;

9%

Specialized Services; 4%

Vehicles and Parts; 4%

Beverages and Tobacco; 4%

Metal and Mining; 3%

Food Industry; 3%

Chemicals; 3%

Financial Institutions; 2%

Meatpacking; 2%

Telecom2%

Others; 9%

Sugar and Ethanol16%

Construction12%

Electric and Renewable Energy

10%Specialized

Metal and Mining4%

Vehicles and Parts4%

Beverages and Tobacco

3%

Food Industry3%

Telecom2%

Chemicals2%

Financial Institutions

2%

Construction Material

2%

Others9%


Reduction of exposure to the Sugar and Ethanol sector, from 19% to 16%;

Increased participation in other sectors such as Electric and Renewable Energy, Transportation and Logistics,

Foreign Trade;

Reshuffle of the 20 largest clients in approximately 25%;

Reduced relative participation of the top 20 clients when compared to shareholders equity by 6%, or 17% when

considering the capital increase; and

20 largest clients represented 27% of the total portfolio.

Agriculture; 9%

Infrastructure; 7%Foreign Trade; 5%

Transportation and Logistics; 5%

10%

Agriculture9%

Infrastructure6%

Transportation and Logistics

6%

Foreign Trade6%

Specialized Services

4%

FundingDiversified sources of funding…

R$ millions

31 33 626 829 898 867 867 868 813

829 -

21 33

247 256 281 291 553

561

194

194 185

205 237 246 233

295 260

200

160 282

267 310 353 276

234 156

166 158

155

84 86

250 125

118 180

413 377

435

596 814

753 841

1,089 1,083

Trade Finance

Private Placements

Multilateral Lines

International Capital Markets

Local Capital Markets

5,3225,437

5,182

5,9026,248

6,544 6,4216,933 6,725


1,654 1,592 1,720 1,845 1,965 2,130 2,128 2,153 2,056

1,463 1,530 1,114 1,287 1,253

1,196 1,186 1,228 1,177

198 214 218

212 228 250 281 223 213 224 320

272 210 165 106 161 194

176 46 42

41 53 66 112 31 33

33 626

829

867 898 867 829

Sept-10 Dec-10 Mar-11 Jun-11 Sept-11 Dec-11 Mar-12 Jun-12 Sept-12

BNDES

Demand Deposits

Interbank Time Deposits

High Net Worth Individual Time Deposits

Corporate Time Deposits

Institutional Time Deposits

Asset & Liability Management... presenting a positive gap between credit and funding.

Matching of Transactions

CREDIT FUNDING

BNDES BNDES

Trade Finance Trade Finance

Deposits

Working Capital, Private Securities1 And Cash

Financial Bills

Intl. Funding

Loan / Total Funding

80%76%

81%76%

73%


ALM Deposits vs. Total Funding

Intl. Funding1 Includes debentures, CRIs, eurobonds, and fund shares

R$ MillionsR$ Millions

Sept-11 Dez-11 Mar-12 Jun-12 Sept-12

-

2,947

2,165

1,363

494

118 33

1,739

2,155

1,679

957

162

No maturity Up to 3 months

From 3 to 12 months

From 1 to 3 years

From 3 to 5 years

More than 5 years

Credit Funding

59% 55% 54%

41% 45% 46%

Sept-11 Jun-11 Sept-12

Others

Total Deposits

6,9336,248 6,725

Capital Adequacy Ratio (BIS)BIS ratio reached 17.0%.

Tier II Tier I

Minimum Capital Requirement (11%)

3.6%3.6% 3.7% 3.4%

4.5%4.2%

3.1% 3.3%3.0%

18.4%17.4% 17.1% 16.6%

19.6%18.5%

16.4% 15.9%17.0%


14.8% 13.8% 13.4% 13.2%15.1% 14.3% 13.3% 12.6%

14.0%

Sept -10 Dec -10 Mar -11 Jun -11 Sept -11 Dec -11 Mar -12 Jun -12 Sept -12

R$ million BIS Ratio(%)

Tier I 14.0%

Tier II 3.0%

Total 17.0%

1,210

256

1,466

Capital IncreaseCentral Bank approved the capital increase announced in August 2012.

The capital increase resulted in the issuance of 6,558,123 common shares in the amount of R$93,649,996.44,and 3,220,203 preferred shares, totaling R$45,984,498.84, at a unit price of R$14.28.

Summary

Total of R$139.6 million

Total Shares Subscribed: 6,558,123 common shares and 3,220,203 preferred shares:

� 2,100,839 by DEG;

� 519,577 by Management;

� 587,732 by minorities; and

� 12,055 left overs subscribed by minority shareholders.


With the aproval of the Central Bank, the shareholders´ structure is as follows:

� 12,055 left overs subscribed by minority shareholders.

Common Preferred Total %

Controlling Shareholder 58,444,889 15,595,863 74,040,752 68.2%

Management - 5,923,784 5,923,784 5.5%

Free Float - 28,271,724 28,271,724 26.0%

Individuals - 2,734,411 2,734,411 2.5%

Institutional Investors - 11,330,025 11,330,025 10.4%

DEG - 5,005,067 5,005,067 4.6%

Foreign Investors - 9,202,221 9,202,221 8.5%

Treasury - 394,840 394,840 0.4%

Total 58,444,889 50,186,211 108,631,100 100.0%

For managerial purposes, minority shareholders were considered individuals.

Corporate Governance and PINE4

Management StructureNon-bureaucratic, entrepreneurial, and meritocratic culture with a flat hierarchy, speeding the decision making process.

CEONoberto N. Pinheiro Junior

INTERNAL AUDITTikara Yoneya

COMPENSATION COMMITTEE

AUDIT COMMITTEEEXTERNAL AUDIT

PWC

Noberto Pinheiro Noberto Pinheiro Jr Maurizio Mauro Gustavo Junqueira Mailson da Nóbrega Antonio Hermann

Chairman Vice Chairman IndependentDirector

ExternalDirector

IndependentDirector

IndependentDirector

BOARD


COO Norberto Zaiet

CROGabriela Chiste

CAOUlisses Alcantarilla

CFOSusana Waldeck

Origination

Investment Banking

Sales & Trading

Research Macro / Commodities

International

Asset & Liabilities Back Office

Legal

Collaterals Management

Special Situations

Middle Office

Controlling

Accounting

Tax Planning

IT

Accounts Payable

Office Management

Marketing

Investor Relations

Credit and F.I. Research

Compliance & InternalControls

Credit, Market ,andLiquidity Risks

HUMAN RESOURCESSidney Vilhena

Corporate GovernancePINE commits to best corporate governance practices…

Three independent members and one external member on the Board of Directors

Mailson Ferreira da Nóbrega: Brazil’s Finance Minister from 1988 to 1990

Maurizio Mauro: Former CEO of Booz Allen Hamilton and Grupo Abril

Antonio Hermann: Former CEO of Banco Itamarati, Director at FEBRABAN and elected Director ofBrazilian Banking Association

Gustavo Junqueira: Former Head of PINE Investimentos, Member of the Board of Directors atEZTEC, Financial Advisor at Arsenal Investimentos and CFO at Gradiente Eletrônica

São Paulo Stock Exchange (BM&FBovespa) Level 2 Corporate Governance


São Paulo Stock Exchange (BM&FBovespa) Level 2 Corporate Governance

Audit and Compensation Committee reporting directly to the Board of Directors

100% tag along rights for all shareholders, including non-voting shares

Arbitration procedures for fast settlement of litigation cases

First Brazilian bank to release BR GAAP and IFRS quarterly

Committees…favoring collective decision making.

Main decisions are taken by committees: Board of Directors and a structure of specific committees

Non-stop exchange of knowledge, ideas, and information

Transparency

45 days

RISK COMMITTEE

AUDIT COMMITTEE

BOARD OF DIRECTORS

COMPENSATION COMMITTEE


CEO

Twice a week WeeklyMonthly Bi-monthly Every 2 monthsWeekly Monthly Quarterly On demandBi-monthly

Bi-annually Monthly45 days

COMMITTEES

CREDITASSET & LIABILITY

COMMITTEE ALCO

EXECUTIVE LITIGATIONHUMAN

RESOURCESINVESTMENT

BANKPERFORMANCE EVALUATION IT ETHICS

COMPLIANCE

INTERNAL CONTROLS AND COMPLIANCE

Dividends and Interest on Own CapitalPINE has delivered an attractive dividend yield paying dividends/interest on own capital on a quarterly basis.

25 25

33

45

30

35

40

35

55

40

30

R$ millions


25 25

2H07 1H08 2H08 1H09 2H09 1H10 2H10 1H11 2H11 1H12 3Q12

Appendix

Social

Instituto Alfabetização Solidária

Instituto Casa da Providência

Sports

Minas Tênis Clube: training program forathletes

Most Green Bank

Recognized by the International FinanceCorporation (IFC), private agency programs ofthe World Bank as the most "green" bank as a

Social Investment and Responsibility

PINE supports and promotes the Brazilian culture and sports

Culture

Paulo von Poser: exhibit of the painter Paulovon Poser, who is one of Brazil’s most prominentartists

Quebrando o Tabu: documentary based on theanalysis from the former President of Brazil,Fernando Henrique Cardoso, on the fight againstdrugs

Além da Estrada: motion picture, whichreceived the award for best director in the 2010Rio Festival

Responsible Credit

“Lists of Exceptions”: the Bank does not finance


the World Bank as the most "green" bank as aresult of its transactions under the GlobalTrade Finance Program (GTFP) and its onlending to companies focused on renewableenergy and ethanol

Global Compact

PINE joined the Global Compact initiative inOctober 2012. The UN initiative mobilizes theinternational business community to adoptfundamental and internationally acceptedvalues in their business practices in the areasof human rights, labor relations, environmentand combating corruption, which are reflectedin ten principles.

“Lists of Exceptions”: the Bank does not financeprojects or those organizations that damage theenvironment, are involved in illegal laborpractices or produce, sell or use products,substances or activities considered prejudicial tosociety.

System of environmental monitoring, financed bythe IADB and coordinated by FGV, and internally-produced sustainability reports for corporateloans.

Investor Relations

Noberto N. Pinheiro Júnior

CEO

Susana Waldeck Norberto Zaiet Junior

CFO / IRO COO

Raquel Varela

Head of Investor Relations

Alejandra Hidalgo

Investor Relations Manager


This report may contain forward-looking statements concerning the business prospects, projections of operating and financial results and growth outlook of PINE. These are merely projections and as suchare based solely on management’s expectations regarding the future of the business. These statements depend substantially on market conditions, the performance of the sector and the Brazilian economy(political and economic changes, volatility in interest and exchange rates, technological changes, inflation, financial disintermediation, competitive pressures on products and prices and changes in taxlegislation) and therefore are subject to change without prior notice. Given that PINE is in quiet period because of the issuance of Financial Bills of its 2nd public issuance, we recommend that any potentialinvestor read in conjunction with this Press Release, the Final Prospectus (in particular the section "Risk Factors") and the documents incorporated by reference to it, such as PINE's Reference Form,available on its website (www.pine.com/ir).

Investor Relations Manager

Ana Lopes

Investor Relations Analyst

Fone: +55-11-3372-5343

www.pine.com/ir

[email protected]

Date post:	15-Jun-2015
Category:	Documents
Upload:	banco-pine
View:	151 times
Download:	5 times

Banco Pine - Institutional Presentation 3Q12

Documents