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1 Banco do Brasil S.A. 2006. 2 Economic Environment Ratios %

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Presentation on theme: "1 Banco do Brasil S.A. 2006. 2 Economic Environment Ratios %"— Presentation transcript:

1 1 Banco do Brasil S.A. 2006

2 2 Economic Environment Ratios %

3 3 Industry Outlook Loan / GDP (%)Number of Banks

4 4 Loan Segments IndividualsBusinesses Participation - %

5 5 Loan Segments Payroll Loan Credit Card / Overdraft Account Vehicles Others Participation - %

6 6 Banco do Brasil Structure COBRA BB-99.36% ON 99.34% total BB LEASING BB - 100% ON 100% Total BB VIENA BB -100% ON 100% Total BB CARTÕES BB - 100% ON 100% Total BB LEASING Co. LTD BB - 100% ON 100% Total BB DTVM BB -100% ON 100% Total BB CORRETORA BB - 100%ON 100% Total BAMB BB -100% ON 100% Total BB CONSÓRCIOS BB - 100% ON 100% Total BB BI BB - 100% ON 100% Total BANCO DO BRASIL SECURITIES LLC BB - 100% ON 100% Total BB SECURITIES BAMB -100% ON 100% Total BB TURISMO BAMB % ON %Total ATIVOS S.A. BB BI - 49% ON % Total BAMB - 51% ON 25.50% Total ALIANÇA DO BRASIL BB-BI 40% ON 70% Total BRASILPREV BB-BI 49.99% ON 49.99% Total CIBRASEC BB-BI 9,09% ON 9,09% Total SBCE BB-BI 12.08% ON 12.08% Total BRASILSAÚDE BB-BI 49.92%ON 49.92% Total VISANET BB BI Classe A 35% Classe B 28.75% 31.99% Total ITAPEBI BB-BI 19% ON 19% Total BRASILCAP BB-BI 49.99% ON 49.99% Total KEPLER WEBER BB-BI 24.38% ON 24.38% Total VISA VALE BB BI 35% ON 37.47% Total PRONOR BB BI 0% ON 3.27% Total Strategic Partnerships Non-Strategic Partnerships BRASIL VEÍCULOS BB-BI 40% ON 70% Total NEOENERGIA BB-BI 7.67 ON 7.67 Total TECBAN BB BI 8.96% ON 8.96% Total CLEARINGS CIP - BB 9.80% BMF Câmbio BMF Ativos CBLC - BB 1.59% BMF Derivativos B Strategic Partnerships CADAM BB 0% ON 21.64% Total Non-Strategic Partnerships Banco do Brasil Other Partnerships Affiliated Companies B B B I Wholly Owned Subsidiaries BANCO POPULAR DO BRASIL BB -100% ON 100% Total

7 7 Organizational Structure Board of Officers Units Directorships Autonomous Departments Agribusiness Commercial Controlling Investor Relations Marketing and Communication Legal Distribution and Retail Channels Finance Executive Secretariat VP of Retail Service and Distribution VP of Rural Businesses and Government Affairs VP of Technology and Logistic VP of Credit, Controlling and Risk Management VP of Finance, Capital Market and Investor Relations Board of Directors General Shareholders Meeting CEO Board of Auditors Audit Committee Information Technology Micro and Small Businesses Employee Relation And Social-Env. Responsibility VP of Human Resources and Social-Enviro- nmental Responsibility Government Affairs Retail Services Capital Markets and Investments Technology Human Resources Credit Internal Controls Foreign TradeInternational Software Development Security Management Strategy and Organization Risk Management High Income Logistic Regional Sustainable Development VP of International Business and Wholesale Accounting Restructuring of Operational Assets Internal Audit Operational Support Pension Fund Management

8 8 Banco do Brasils Shares

9 9 Shares Performance

10 10 Shares Performance Earnings - % IbovespaBanco do Brasil dec/01jun/02dec/02jun/03dec/03jun/04dec/04jun/05dec/05jun/06dec/

11 11 PerformancePerformance 2,028 2,381 3,024 4,154 6, Net Income - R$ million ROE - % 6,696 17,568 25,979 33,733 52,820 Market Capitalization - R$ million ,498 2,418 Dividends / Interest on Capital - R$ million

12 12 Capital Structure Shareholders Equity - R$ million Level 1 - % BIS Ratio -% 9,197 12,172 14,106 16,850 20, Level 2 - %

13 13 HighlightsHighlights Market Share¹ - % Loan Portfolio - R$ billion Market Share - % Assets - R$ billion CAGR: 9.7% CAGR: 20.6% (1) Domestic portfolio

14 14 HighlightsHighlights Market Share - % Assets Under Management - R$ billion Market Share - % Deposits - R$ billion CAGR: 28.9% CAGR: 13.0%

15 15 Customers - million Employees - thousand HighlightsHighlights IndividualsBusinesses CAGR: 12.0% 12.2%

16 16 Administrative Expenses - R$ billionOperational Income - R$ billion ProductivityProductivity Efficiency Ratio - % CAGR: 9.3% 14.8%

17 Fee Income - R$ billion Personnel Expenses - R$ billion Coverage Ratio - % ProductivityProductivity CAGR: 9.1% 18.9%

18 18 FundingFunding Demand Deposits24,34227,14028,99135,80240,059 Saving Deposits26,91827,42531,06932,84436,714 Time Deposits42,11748,17349,66563,49576,900 Interbank Deposits3,8767,2755,7685,3834,878 Investment Deposits Money Market Borrowing48,32740,06344,52730,50849,283 Total145, , , , , Funding - R$ million

19 19 Loan Portfolio IndividualsSMEMedium/CorporateAgribusinessesForeign Trade % % R$ billion % Total Portfolio Domestic Individuals Free Resources Payroll Loan Vehicles Businesses SME Medium and Corporate Agribusinesses Abroad

20 20 DelinquencyDelinquency dec/02dec/03dec/04dec/05dec/06 Allowance / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - %

21 21 Delinquency - Individuals dec/05may/06jun/06sep/06dec/06 Banking Industry Banco do Brasil Banking Industry Banco do Brasil Past Due Loans + 15 days - %Past Due Loans + 90 days - %

22 22 LoanLoan Retail Loan - R$ billionCommercial Loan - R$ billion

23 23 LoanLoan Foreign Trade Loan - R$ billion Contracted Amount ACC / ACE - US$ billion

24 24 LoanLoan Agribusiness Loan - R$ billion 1,743 2,413 3,217 4,342 4, Pronaf - R$ million

25 25 RetailRetail Credit Cards Revenue - R$ billion¹ Credit Cards Issued - million (1) Banking Cards revenue included

26 26 InsuranceInsurance Managed Portfolio - R$ million Cars Insured - thousand Vehicle Insurance

27 27 InsuranceInsurance Managed Portfolio - R$ million Lives Insured - thousand 1,748 1,417 1,351 1,263 1,224 Life Insurance

28 28 InsuranceInsurance 3,785 5,586 7,781 9,659 12,473 Managed Portfolio - R$ million Participants - thousand 886 1,178 1,365 1,576 1,756 Pension Fund

29 29 InsuranceInsurance 1,549 2,060 2,264 2,875 2, Quantity of Plans - thousand 2,631 2,661 2,792 2,949 1,653 Capitalization (Annuity Plans) Managed Portfolio - R$ million

30 30 Northeast Branches 993 Others2,882 Total 3,875 Branches 1,534 Others 3,927 Total 5,461 Branches 810 Others 2,096 Total 2,906 Branches 390 Others1,326 Total 1,716 Branches 242 Others 913 Total 1,155 North Midwest South Southeast Distribution Network Infrastructure and Technology

31 31 Infrastructure and Technology Branches Others Points of Service - thousand Automated Teller Machine (ATM) - thousand

32 Transaction in Automated Channels - % ATM Internet Banking Cashier POS Others Breakdown of Transactions - % Individuals Businesses Infrastructure and Technology

33 33 Sustainable Regional Development % Amount Contracted - R$ million Benefited Families (thousand) Involved Branches 428 1,482 2, Skilled Employees 1,370 4,062 6, Served Municipalities 642 1,503 2, Approved Business Plans , Productive Activities Strategy for job and income generation in a sustainable way which began in Support to environmentally correct, socially fair, economically viable and culturally diversified productive activities.

34 34 Banco do Brasils Foundation 20 thousand producers at apiculture, handmade, caju culture, manioc culture, sheep and goat livestock farming, recycles Productivity Chains AABB Comunidade Program Supported 50 thousand children in 2006 Supported 65 thousand people in 2006 BB Educar Program Social Investment: R$ million Education Job and Income Total Projects5611,357 1,154 1,013

35 35 HighlightsHighlights

36 36 Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor Brasília (DF) Phone: 55 (61) Fax: 55 (61) Disclaimer Disclaimer - This presentation contains references and statements, planned synergies, increasing estimates, projections of results and future strategy for Banco do Brasil, its Associated and Affiliated Companies and Subsidiaries. Although these references and statements reflect the managements belief, it also involves imprecision and high difficult risks to be foreseen, consequently, it may conduct to a different result than the one anticipated here. These expectations are highly depended on market conditions, on the Brazilian economic performance, on the sector and the international market. Banco do Brasil is not responsible for bringing up to date any estimate in this presentation. For further information access


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