Disclaimer

All financial information presented herein is consolidated, including the Bank´s financialstatements, its subsidiaries, the Credit Receivables Investment Fund Paraná Banco I, CreditReceivables Investment Fund Paraná Banco II (FIDC), the insurers JMALUCELLI Seguradora,JMALUCELLI Seguradora de Crédito (pending SUSEP`s approval) the reinsurer JMALUCELLI ReJMALUCELLI Seguradora de Crédito (pending SUSEP s approval), the reinsurer JMALUCELLI Re.,JMALUCELLI Agenciamento and Paraná Administradora de Consórcio.

All information, except when otherwise indicated, is presented in the Brazilian currency (in Reais)and was prepared based on the accounting practices g p pursuant to the Brazilian Corporatep p g p g p p pLaw, associated with the regulations and instructions issued by the National Monetary Council(“CMN”), the Brazilian Central Bank (“BACEN”), the Brazilian Securities and ExchangeCommission ("CVM"), the National Council of Private Insurance (“CNSP”), the Brazilian PrivateI A th it (“SUSEP”) d th A ti St d d C itt (“CPC”) hInsurance Authority (“SUSEP”) and the Accounting Standards Committee (“CPC”), wheneverapplicable.

Information contained herein regarding future events is exposed to risks and uncertainties and issubject to change resulting from among other factors: market behavior Brazil’s economical andsubject to change, resulting from, among other factors: market behavior, Brazil s economical andpolitical situation, and changes in legislation and regulations. Information presented herein isentirely based on the expectations of the Bank’s Administration regarding its future performance,and does not constitute a guarantee of performance.

2

Market and Economic Environment

G th A l tiInflation

Converging to Target/ Low Interest Rate

Growth Acceleration Program (”PAC”)

Tax Waivers and Incentives

Interest Rate

Investment in Infrastructure World CUP 2014World CUP 2014

Recovery in credit

Olympic Games 2016

D bl t it th i dit i f t t (i b i )D bl t it th i dit i f t t (i b i )

3

Double opportunity: growth in credit + infrastructure (insurance business)Double opportunity: growth in credit + infrastructure (insurance business)

Main Highlights

Net Income in 3Q09:R$ 21.1 million 10.5% vs. 3Q08 R$ 75.2 million

Total Deposits:

R$ 935.4 million 19 1% 2Q0910.5% vs. 9M08

P fit bilit

19.1% vs. 2Q09

T t l A t Profitability:

ROAE of 10.9% (3Q09) and 12.6 (9M09) ROAA of 3.3% (3Q09) and 4.2% (9M09)

Total Assets: R$ 2.6 billion

7.1% vs. 2QT0911.0% vs. 3Q08

NIM of 14.7% (3Q09) and 13.2% (9M09)

Loan Portfolio:Loan Portfolio:

R$ 1,205.3 million4.1% vs. 2Q09

Portfolio from AA to C:

93.8% of Paraná Banco`s

4

portfolio.

Main Highlights – Insurance

Net Income - Insurer: R$ 6.3 million

53.2% vs. 3Q08 R$ 19 7 million

Fitch Ratings:Revision of JM Seguradora rating

from 'A-(bra)' to 'A (bra)'R$ 19.7 million 37.2% vs. 9M08

( ) ( )

M k t h i A tMarket-share in August:

JM Seguradora: 31.4% JM Re: 38 7%

Insurance business share:

35.7% of 3Q09t i

Combined Ratio

JM Re: 38.7%

Retained Premiums

net income

Combined Ratio JM Seguradora: 65.8%

-15.9 p.p. vs. 3Q08

Retained Premiums JM Seguradora + JM Re:

R$ 27.1 million

5

R$ 27.1 million 59.1% x 2Q09

Financial Performance

9M09 9M08 9M09 x 9M08

3Q09 x 3Q08

R$ thousand 3Q09 2Q09 3Q09 x 2Q09

3Q08

Income from financial operations 88,205 83,962 5.1% 103,104 (14.5%) 252,128 288,045 (12.5%)Expenses from financial operations (41,500) (30,986) 33.9% (57,193) (27.4%) (109,444) (127,397) (14.1%)Result from financial operations 46,705 52,976 (11.8%) 45,911 1.7% 142,684 160,648 (11.2%)Efficiency Ratio 58.3% 48.8% 9.5 p.p. 58.5% -0.2 p.p. 56.7% 59.8% -3.1 p.p.

Result from Financial Operations before Allowance for Doubtful Accounts (PDD)

65,230 63,188 3.2% 56,000 16.5% 182,785 187,410 (2.5%)

9M08 9M09 x 9M08

Net Interest Margin (NIM) 3Q09 2Q09 3Q09 x 2Q09

3Q08 3Q09 x 3Q08

9M09

Allowance for Doubtful Accounts (PDD)Financial operations annual margin before allowance %

14.7% 15.4% -0.7 p.p. 12.4% 2.3 p.p. 13.2% 13.4% -0.2 p.p.

Result from Financial Operations: 1.7% growth year-over-year.

Efficiency Ratio: 58.3%, increase of 9.5 pp over 2Q09. Impacted by the increase in retained claims

Result from Financial Operations: 1.7% growth year-over-year.

Efficiency Ratio: 58.3%, increase of 9.5 pp over 2Q09. Impacted by the increase in retained claims and merger of FIDC Paraná Banco I.

Net Interest Margin: 14.7%, an increase of 2.3 pp year-over-year, driven by the reduction in basic interest rates and funding expenses.

and merger of FIDC Paraná Banco I.

Net Interest Margin: 14.7%, an increase of 2.3 pp year-over-year, driven by the reduction in basic interest rates and funding expenses.

6

Financial Performance

Net Income(R$ thousand)(R$ thousand)

10.5%

68,10475,235

10.5%

19 113 21 123

10.5%

26.3% 39.8% 32.8% 35.7%

9M08 9M09 3Q08 3Q09

19,113 21,123

9M08 9M09 3Q08 3Q09

Share of the Insurance Business

Growth in Net Income: Recovery in credit, reduction in operating expenses and financial expenses due to lower funding rates in comparison to the average registered in 3Q08.

Increasing share of the insurance business in total earnings.

Growth in Net Income: Recovery in credit, reduction in operating expenses and financial expenses due to lower funding rates in comparison to the average registered in 3Q08.

Increasing share of the insurance business in total earnings.

7

Operational Performance

3Q09 x 3Q08

3Q09 2Q09 3Q09 x 2Q09

3Q08

Loan Portfolio (R$) 1,205,341 1,158,182 4.1% 1,467,142 (17.8%)

Total Deposits (R$ thousand) 935,454 785,231 19.1% 996,087 (6.1%)

Time Deposits (R$ thousand) 783,482 735,891 6.5% 827,173 (5.3%)

3Q082Q09

11.9%

Loan Portfolio – Operations Falling Due

12.3%

Funding – Operations Falling Due

23.0%

37 7%

Up to 3 months

Between 3 and 12 months

Between 1 and 3 years

23.2%

37 4%

Up to 3 months

Between 3 and 12 months

Between 1 and 3 years

27.4%

37.7% Between 1 and 3 years

Above 3 years27.1%

37.4% y

Above 3 years

Loan Portfolio: 4.1% growth, in line with the recovery in the credit market.

Matching of Terms: 50 4% of the portfolio and 50 3% of funding maturing within 1 year

Loan Portfolio: 4.1% growth, in line with the recovery in the credit market.

Matching of Terms: 50 4% of the portfolio and 50 3% of funding maturing within 1 year

8

Matching of Terms: 50.4% of the portfolio and 50.3% of funding maturing within 1 year.Matching of Terms: 50.4% of the portfolio and 50.3% of funding maturing within 1 year.

Quality of the Loan Portfolio

R$ 3Q09 2Q09 3Q09 x 3Q08 3Q09 x

Allowance for Doubtful Accounts (PDD) 62,331 56,562 10.2% 47,381 31.6%Portfolio (> 90 days) 67,023 60,802 10.2% 48,953 36.9%Portfolio (> 180 days) 38,475 34,602 11.2% 26,485 45.3%T t l P tf li * 1 347 703 1 339 040 0 6% 1 476 543 (8 7%)

R$ 3Q09 2Q09 2Q09 3Q08 3Q08

Total Portfolio* 1,347,703 1,339,040 0.6% 1,476,543 (8.7%)Portfolio Coverage Index (PDD / > 90 days) 93.0% 93.0% (0.0%) 96.8% (3.9%)Portfolio Coverage Index (PDD / > 180 days) 162.0% 163.5% (0.9%) 178.9% (9.4%)Allowance for Doubtful Accounts (PDD) / Total Portfolio 4.6% 4.2% 0.4 p.p. 3.2% 43.8%* Includes balance of assignment with co-obligation. Includes balance of assignment with co obligation.

Delinquency rate - Paraná BancoPayroll deductable (> 90 days) = 4.7%

Small and Mid Companies(> 90 days) = 1.1%

Delinquency Rate- Brazilian Financial System (“SFN”)

Individuals (> 90 days) = 8 2%

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Individuals (> 90 days) = 8.2% Corporations (> 90 days) = 4.0%

Funding

Funding Sources

901

6334

142

2005 2006 2007 2008 1Q09 2Q09 3Q09

MTN FIDCs Loans Assigment Deposits

Time Deposits: traditionally the Bank´s largest funding source.

Total Deposits: increase of 19.1% in the quarter. Increased participation of institutional investorsand other companies

Time Deposits: traditionally the Bank´s largest funding source.

Total Deposits: increase of 19.1% in the quarter. Increased participation of institutional investorsand other companiesand other companies.

Issue overseas: R$ 35 million maturing in August 2011 (portfolio is 100% hedged)

and other companies.

Issue overseas: R$ 35 million maturing in August 2011 (portfolio is 100% hedged)

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Segmentation

Payroll-Deductable Loan Origination Sector Distribution - SME

14.1%21.2% INSS

States

16.7%

Industry

31.1%

30.6%

Armed Forces

Municipality

Others

11.4%

72.0%

Commerce

Services

3.0%

Payroll-Deductible Loans: diversification dilutes the regulatory risk of credit andconcentration of agreements.

Payroll-Deductible Loans: diversification dilutes the regulatory risk of credit andconcentration of agreements.

Alternative Distribution Channels: 80 franchises, 4 in progress and 7 own stores.

Small and Mid Companies: growth of 18.4% in 3Q09. Synergy with the JMalucelli Seguradora represents 7.0% of the portfolio. Distribution in the platforms of Curitiba and São Paulo.

Alternative Distribution Channels: 80 franchises, 4 in progress and 7 own stores.

Small and Mid Companies: growth of 18.4% in 3Q09. Synergy with the JMalucelli Seguradora represents 7.0% of the portfolio. Distribution in the platforms of Curitiba and São Paulo.

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Origination

Origination of the Payroll‐Deductible Loans(R$ thousand)

283,455

337,789

7.0%

8.0%

9.0%

300,000

350,000

400,000 (R$ thousand)

226,901

131,139 161,179

182,819

4.0%

5.0%

6.0%

150,000

200,000

250,000

72,819

,

2.0%

3.0%

4.0%

50,000

100,000

150,000

1.0%-1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09

Origination Commissions/Origination

Payroll-Deductable Loans Origination: 13.4% increase in 3Q09.Payroll-Deductable Loans Origination: 13.4% increase in 3Q09.

12

Market ‐ Share (August 2009)

Market Share Evolution - direct premiums JMalucelli Re. Market Share

499,334 519,698

Market Share Evolution - direct premiums(R$ thousand)

3.5%

JMalucelli Re. Market ShareTotal Reinsurance Premius (%)

J. MALUCELLI RESSEGURADORAS A

187,768 167,452192,364

346,089

38.7%26.9%

RESSEGURADORA S.A.

IRB BRASIL RESSEGUROS      S.A.

MAPFRE RE DO BRASIL COMPANHIA DE RESSEGUROS

29.2% 37.0% 42.3% 50.4% 43.0% 31.4%

,

2004 2005 2006 2007 2008 Aug-0929.8%

1.1%MUNCHENER RUCK DO BRASIL RESSEGURADORA S.A.

XL RESSEGUROS BRASIL S.A.

g

JMalucelli Seguradora Market

JMalucelli Seguradora: market leader - profitable operation, low claims ratio, agility in credit analysis, selectivity of clients and attractiveness to reinsurers.

JM l lli R d 1 t i th f fi i l i k

JMalucelli Seguradora: market leader - profitable operation, low claims ratio, agility in credit analysis, selectivity of clients and attractiveness to reinsurers.

JM l lli R d 1 t i th f fi i l i k

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JMalucelli Resseguradora: 1st in the group of financial risks.JMalucelli Resseguradora: 1st in the group of financial risks.

Operational Performance (Insurance)

50% Insurance Claims

40%

50% Claim Ratio 164,893 Insurance Claims

31.8%

20%

30%

76,155  76,004 

5.6%

0%

10%38,273 

29,950 

16,146 

253  4,025  2,372  6,457  9,056  9,025 

0%

2004 2005 2006 2007 2008 Aug‐09

Market JMalucelli Seguradora

2004 2005 2006 2007 2008 Aug‐09

Insurance Claims Market Insurance Claims JMalucelli Seguradora

Expected performance: 61.1% increase in retained claims. Our estimated claims ratio werealready ascending due to the scenario of uncertainties.

Expected performance: 61.1% increase in retained claims. Our estimated claims ratio werealready ascending due to the scenario of uncertainties.

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Capital Structure

Initial Balance 804,540 807,363

Equity Changes (R$ thousand) 3Q09 2Q09

Net Income 21,123 33,819 Interest on Equity (7,547) (18,284)

Treasury shares (6,363) (18,349) Adjustment to market value - Marketable securities 6 (9) Others (391) -

Final Balance 811,368 804,540

3Q08Capital ComplianceBasel II Rules

3Q09 2Q09 1Q09 4Q08

Reference Shareholder's Equity 810,347 804,946 807,027 807,759 809,092Reference Shareholder's Equity Required 280,596 275,500 288,408 304,271 261,133Basel required minimum margin 529,751 529,446 518,619 503,488 547,959

Basel II Rules

Ch i Sh h ld ’ E it i t d b th 5th d 6th h b b k d b thCh i Sh h ld ’ E it i t d b th 5th d 6th h b b k d b th

Margin / Reference Shareholder's Equity Required 189% 192% 180% 165% 210%

Changes in Shareholders’ Equity: impacted by the 5th and 6th share buy-back programs and by the payment of IOE worth R$ 7.6 million in 3Q09.

Basel II: Shareholders’ equity exceeded 189% of minimum required by the Brazilian Central Bank.

Changes in Shareholders’ Equity: impacted by the 5th and 6th share buy-back programs and by the payment of IOE worth R$ 7.6 million in 3Q09.

Basel II: Shareholders’ equity exceeded 189% of minimum required by the Brazilian Central Bank.

15

Corporate Governance

1 4 155 600 8 85 36 768 E d d 07/07/2008

Total Cost (R$ million) StatusPrograms Acquired

SharesAverage

Price

1 4,155,600 8.85 36,768 Ended on 07/07/20082 4,072,300 5.06 20,604 Ended on 03/17/20093 3,331,800 4.06 13,526 Ended on 04/01/20094 2,987,200 5.55 16,568 Ended on 05/27/20095 2,756,400 8.61 23,746 Ended on 10/13/2009

* Data which refers to this program was updated on 10/16/2009

6* 603,000 9.50 5,728 OngoingTotal 17,906,300 6.53 116,940

RatingA‐

Rating Rating / Ranking RatingbrBBB+ 11.13 A

1Q09 5,974,417.92 0.06 1.302Q09 18,283,706.08 0.19 2.68

Distributed Gross Value (R$)

Interest on Equity per share (R$)

Dividend Yield (%)

Interest on Equity: R$ 7 6 million equivalent to $ 0 08 per share and payout of 36 1%Interest on Equity: R$ 7 6 million equivalent to $ 0 08 per share and payout of 36 1%

June 2009July 2009

Low Credit RiskA brBBB+ 11.13 A

Low Credit Risk Low Credit Risk  ‐Medium term

May 2009

Low Credit Risk

June 2009

3Q09 7,632,650.56 0.08 0.82Total 31,890,774.56 0.33

Interest on Equity: R$ 7.6 million, equivalent to $ 0.08 per share and payout of 36.1%.

Share Buyback Program: 6th program in progress.

R ti i i Ri kB k i d f 11 07 t 11 13 l i P á B t 11th iti

Interest on Equity: R$ 7.6 million, equivalent to $ 0.08 per share and payout of 36.1%.

Share Buyback Program: 6th program in progress.

R ti i i Ri kB k i d f 11 07 t 11 13 l i P á B t 11th iti

16

Ratings: increase in RiskBank index from 11.07 to 11.13, placing Paraná Banco at 11th position among Brazilian banks.

Ratings: increase in RiskBank index from 11.07 to 11.13, placing Paraná Banco at 11th position among Brazilian banks.

PRBC4 Performance

14 000

16,000 

18,000 

350 00

400.00 

450.00 

housand)

basis 100)  

10,000 

12,000 

14,000 

250.00 

300.00 

350.00 

OLU

ME (R$ t

ARE

 PRICE

  (b

6,000 

8,000 

150.00 

200.00 

TRADING VO

SHA

‐

2,000 

4,000 

‐

50.00 

100.00 

DAILY T

Volume PRBC4 IBOV

17

Investor Relations

Mauricio N. G. Fanganiello IR Coordinator

Cristiano MalucelliIRO IR Coordinator

Ph: (+55 41) 3351-9765

IRO

Ph: (+55 41) 3351-9950

Marianne C. BaggioIR Analyste-mail: ri@paranabanco.com.br

IR Website: www paranabanco com br/irPh. (+55 41) 3351-9645

IR Website: www.paranabanco.com.br/ir

This presentation may include estimates and forward-looking statements. These estimates and forward-looking statements are to a large extent based on currentexpectations and projections regarding future events and financial trends that affect or may come to affect the company’s business. Many important factors may adverselyaffect the results of Paraná Banco as described in our estimates and forward-looking statements. These factors include, but are not limited to, the following: the Brazilian andinternational economic situation, fiscal, foreign-exchange and monetary policies, higher competition in the payroll deductible loan segment the ability of Paraná Banco toobtain funding for its operations and amendments to Central Bank regulations. The words: “believe”, “may”, “could”, “seek”, “estimate”, “continue”, “anticipate”, “plan”,“expect” and other similar words are intended to identify estimates and projections. The considerations involving estimates and forward-looking statements includeinformation related to results and projections, strategies, competitive positioning, the industry environment, growth of opportunities, the effects of future regulations, and theimpact from competitors.

Said estimates and projections refer only to the date on which they were expressed, and we do not assume any obligation to publicly update or revise any of these estimatesarising from the occurrence of new information, future events, or any other factors. In view of the risks and uncertainties described above, the estimates and forward-lookingstatements contained in this presentation may not materialize. Given these limitations, shareholders and investors should not make any decisions based on the estimates,projections and forward-looking statements contained herein.

18