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1 Banco do Brasil S.A. 2007. 2 Economic Environment 18.0 5.7 2005 11.3 4.5 2007 13.3 3.1 2006 17.8 7.6 2004 Interest Rate - Selic Ratio - % Price Index.

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Presentation on theme: "1 Banco do Brasil S.A. 2007. 2 Economic Environment 18.0 5.7 2005 11.3 4.5 2007 13.3 3.1 2006 17.8 7.6 2004 Interest Rate - Selic Ratio - % Price Index."— Presentation transcript:

1 1 Banco do Brasil S.A. 2007

2 2 Economic Environment Interest Rate - Selic Ratio - % Price Index - IPCA

3 3 Economic Environment International Reserves Sovereign Risk - basis points Trade Balance US$ billion

4 4 Banking Industry BusinessIndividualsLoan / GDP - % Loan Segments - Free Resources %

5 5 Others Cars Payroll Loan Credit Cards / Overdraft Account Individual Loan Segments - % Loan Segments Fonte: Bacen

6 6 Banco do Brasils Structure COBRA BB-99.36% ON 99.35% Total BI-0.04% ON 0.04% 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 - 99% ON BB Leasing - 1% ON 100% Total ATIVOS S.A. BB BI - 49% ON % Total BAMB - 51% ON 25.50% Total ALIANÇA DO BRASIL BB-BI 40% ON 100% PN 70% Total BRASILPREV BB-BI 49.99% ON 49.99% Total CIBRASEC BB-BI 9,09% ON 9,09% Total SBCE BB-BI 12.09% ON 12.09% Total BRASILSAÚDE BB-BI 49.92%ON 49.92% Total VISANET BB BI 35% ON A 28,75% ON B 31,99% Total Insurance Group ITAPEBI BB-BI 19% ON 19% Total BRASILCAP BB-BI 49.99% ON 49.99% Total KEPLER WEBER BB-BI 21.45% ON 17.87% Total DTVM 0.029% ON 0.02% Total VISA VALE BB BI 35% ON 45,69% PN 40,35% Total PRONOR BB 1.77% ON 1.05% Total BI 5.51% ON 3.27% Total DTVM 29.51% ON 12.02% Total Strategic Participation Non-Strategic Participation BRASIL VEÍCULOS BB-BI 40% ON 70% Total NEOENERGIA BB-BI 8.81% ON 8.81% Total TECBAN BB BI 8,96% ON 8,96% Total CLEARINGS BM&F BB 0,36% Cotas 0,36% Total CIP BB 9,78% ON 9,78% Total B Strategic Participation CADAM BB 56.19% ON 21.64% Total Non-Strategic Participation M A N A G E D BB PREVIDÊNCIA Entidade fechada de Previdência Privada S P O N S O R E D CASSI PREVI FBB Banco do Brasil National Treasury 67,06% National Treasury 67,06% PREVI 10,74% PREVI 10,74% BNDESPAR 2,60% BNDESPAR 2,60% Other Shareholders 19,60% Other Shareholders 19,60% Other Participation R E L A T E D C O M P A N I E S / P A R T I C I P A T I O N B B B I C O N T R O L L E D BANCO POPULAR DO BRASIL BB -100% ON 100% Total F O U N D A T I O N

7 7

8 8 National Treasury PREVI BNDESPar Foreign Investors Others Participation 65.3% 10.5% 2.5% 10.0% 11.7% Free Float: 21.7% Ownership Structure Free Float - %

9 9 Shares Performance Price / Book Value Price / Earnings

10 10 Earnings / Share – R$ Dividends and Interest on Own Capital / Share – R$ Shares Performance

11 11 Ibovespa Banco do Brasil BradescoItaú Unibanco Dez/02Dez/03Dez/04Dez/05Dez/06Dez/07 Shares Performance % 467.0% 713.1% 526.5% 637.3%

12 12 Profitability Net Income - R$ billion ROE - % Capitalização de Mercado - R$ bilhões Dividends / Interest on Own Capital

13 13 Shareholders Equity - R$ billion Tier I -% Tier II - % Capital Structure BIS Ratio - % , , , , ,2 2003

14 Market Share % Assets - R$ billion Assets CAGR: 11.7% (*) Economic-Financial consolidated % 14.8% 15.1% 16.5%17.3%

15 15 Money Market Borrowing Demand Deposits Saving Deposits Others Funding CAGR (%): Market Share - % R$ billion Time Deposits

16 16 Funding Saving Deposits Time Deposits Judicial Deposits Total Deposits Money Market Borrowing Total Funding Funding Cost - as % of Selic

17 17 Individuals Businesses Agribusiness Abroad Loan Portfolio CAGR (%): R$ billion Market Share - %

18 18 Unsecured Consumer Finance Payroll LoansOverdraft Account Credit CardCars CAGR (%): Consumer Finance R$ billion

19 19 Small and Micro EnterprisesMiddle and Corporate Enterprises CAGR (%): Credit to Business R$ billion

20 20 MiniSmallMiddle and CorporateCooperative CAGR (%): Credit to Agribusiness R$ billion

21 21 Credit Risk Provision Expenses - R$ billion Provision Expenses / Loan Portfolio¹ - % (1) Average Loan Portfolio

22 22 Credit Risk Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - % Provision / Loan Portfolio - % Average Risk - %

23 23 Net Interest Income Loan Revenues Other Interest Revenues Net Interest Income CAGR (%): R$ billion 2.9

24 24 NIM NIM¹ - %Average Selic - % (1) Net Interest Income over Earning Assets IndividualsBusinessesAgribusiness NIM by Portfolio - %

25 25 Productivity Administrative Expenses¹Operating Income¹ CAGR (%): Efficiency Ratio - %Efficiency Ratio without Extraordinary Itens - % R$ billion (1) without extraordinary itens

26 26 Productivity Personnel Expenses¹Fee Income CAGR (%): Coverage Ratio - %Coverage Ratio without Extraordinary Itens - % R$ billion (1) without extraordinary itens

27 27 Debit Cards Issued - million Revenues – R$ billion Credit and Debit Card Credit Cards Issued - million CAGR (%):

28 28 IndividualBusinesses Customers - million CAGR (%): Structure Employees - thousand

29 29 OthersAgências Points of Services - thousand Transaction in Automated Channels - % Distribution Network

30 30 Structure Distribution Network by Customer Northeast Retail 980 Wholesale 7 Government 10 High Income 2 Retail 1,472 Wholesale 47 Government 11 High Income 22 Retail 801 Wholesale 22 Government 6 High Income 4 Retail 383 Wholesale 5 Government 5 High Income 4 Retail 233 Wholesale 2 Government 7 High Income 0 North Midwest South Southeast 6.0% 9.9% 24.8% 38.6% 20.7%

31 31 Structure Transactions per Channels - % TAA Internet Cash POS Others 4Q Internet Banking – million of customers Q06

32 32 Asset Management Customer Profile Retail 27.9% Wholesale 8.8% Public Sector 14.8% Institutional Investors 44.4% Foreign Investor 4.1% Investment Profile Fixed Income 51.5% Multi-strategy 15.7% Equities 21.4% Others 11.4% CAGR: 21.0%

33 33 Insurance - Added Value CAGR: 18.5% R$ million

34 34 Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor Brasília (DF) Phone: 55 (61) Fax: 55 (61) bb.com.br 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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