About the Company

Banrisul mission is to be the most important financial agent within Rio Grande do Sul, helping promote the economic and social development of the State, and it is among the 20 biggest banks in credit operations, total deposits, equity, net income, among other indicators.

We are listed on B3 – Brasil, Bolsa, Balcão – traditional segment, with tickers BRSR6, BRSR5 e BRSR3. Besides that, it’s part of Group Banrisul, the Banco do Estado do Rio Grande do Sul S.A., Banrisul S.A. Administradora de Consórcios, Banrisul S.A. Corretora de Valores Mobiliários e Câmbio, Banrisul Armazéns Gerais S.A., Banrisul Cartões S.A., Bem Promotora de Vendas e Serviços S.A. and Banrisul Icatu Participações S.A, as follows:


Banrisul S.A. Administradora de Consórcios

Banrisul Consórcios manages sales pool groups for the acquisition of Movable Goods (Automobile and Motorcycle Groups), Real Estate and Services. Seeking to offer alternatives for acquisition in several segments, it sells Automobile groups with terms of up to 100 months; Motorcycle, with a term of up to 60 months; Properties with a term of up to 200 months and Services, with a term of up to 36 months.

In the Movable Goods segment, the letters of credit contemplated can be used to purchase automobiles, motorcycles, jet skis, boats, boats, trucks, buses, machinery and equipment, agricultural implements. For the Real Estate segment, the letters of credit contemplated can be used for the construction, renovation and expansion of properties, as well as for the acquisition of finished properties, land, rural areas and commercial offices. In the Services segment, the contemplated letters of credit can be used for parties, courses, travel packages, aesthetic procedures and surgeries, renovations, among others. We value the achievement of the objectives of our consortium members.


Banrisul S.A. Corretora de Valores Mobiliários e Câmbio

The broker company operates with stocks, options, forward and future markets, private and public issued (treasury direct – for the trading of market offered federal securities and bonds) fixed income products, and is responsible for the management of the Banrisul’s Assets Under Management portfolios, offering investment solutions and assets with quality and security, providing technical support to customers, helping them identify the best capital market opportunities.

As of October 2021, with the launch of new strategies in multimarket investment funds and shares in partnership with independent managers, the portfolio of investment products available to Banrisul’s clients increases, contributing to the inflow of assets under management of Banrisul Corretora de Valores, a strategy disclosed by the advertising campaign “Banrisul, your investment partner”, through which the tradition of its investment funds in fixed income and shares is reinforced, now complemented with the investment funds of its partners.


Banrisul Armazéns Gerais S/A.

Banrisul Armazéns Gerais S.A. is a subsidiary which operates as dry dock (Grantee of the Brazilian federal revenue service, providing storage and logistics services to the public in general), general warehouse facility and in Electronic Document Management, Storage and Scanning.


Banrisul Cartões S/A.

Banrisul Cartões operates in the payment means market, offering technological solutions, competitive and aligned with the needs of the current market, in two product lines: “Vero” Acquirer Network, which involves the performance of accreditation, capture, processing and financial settlement of transactions with a wide portfolio of payment instruments, such as credit, debit, pre- and post-paid cards of various arrangements, as well as Pix; and (ii) “BanriCard” Benefits and Business Cards, which cover the issuance of pre- and post-paid cards (vouchers), managed through agreements, such as food and meals.

Before the Central Bank of Brazil (“Bacen”), which regulates the payment means market, the Company is classified as a payment institution in the modalities of issuer and acquirer and institutor of payment arrangements. The authorization process is under analysis by Bacen.

Vero is among the leaders in the payment method sector in the State of Rio Grande do Sul and among the 10 largest acquirers in Brazil, in terms of financial transaction volume, responsible for 1.4% of the national market share in 3Q21(1).

(1) Source: CardMonitor


Banrisul Seguridade participações S/A.

In June 2020, the Banrisul’s wholly-owned subsidiary Banrisul Seguridade Participações S.A. (Seguridade) holding was created, following the restructuring of the insurance business, and aiming at maximizing the distribution and the amount of insurance products, pension plans and capitalization bonds. Banrisul Seguridade will be the full parent company of Banrisul Corretora de Seguros S.A.


Bem Promotora de Vendas e Serviços S/A.

Bem Promotora de Vendas e Serviços, of which Banrisul owns 49.9% of the capital, acts as originator of payroll loans offered to INSS retirees and pensioners and federal civil servants.


Banrisul Icatu Participações S/A.

Being part of the economic group of Banrisul Icatu Participações S.A. (BIPAR), with Banrisul holding a stake of 49.9% of its capital, Rio Grande Seguros e Previdência S.A. has exclusive rights for the sale of life insurance and private pension plans utilizing Banrisul’s commercial channels. On December 20, 2017, Banrisul entered into an investment agreement with Icatu Seguros S.A. (“Icatu”) in order to establish a strategic partnership between Banrisul and Icatu, consisting of the creation of a new company that will have exclusive rights for the offering of capitalization products within Banrisul’s distribution channels for 20 years. The objective of the partnership is to place Banrisul in a prominent position in the commercialization of these products in the state of Rio Grande do Sul and the Southern Region of Brazil, diversifying and increasing sources of revenue.