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1 Banco do Brasil 3Q10. 2 Disclaimer The tables and charts in this presentation show the financial numbers, rounded, in R$ millions. The columns of changes.

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Presentation on theme: "1 Banco do Brasil 3Q10. 2 Disclaimer The tables and charts in this presentation show the financial numbers, rounded, in R$ millions. The columns of changes."— Presentation transcript:

1 1 Banco do Brasil 3Q10

2 2 Disclaimer The tables and charts in this presentation show the financial numbers, rounded, in R$ millions. The columns of changes and the totalizers use the financial figures as basis, not the rounded numbers in R$ millions. The used roundings follows the rules established by Resolution 886/66 of IBGE: If the last digit is more or equal than 5, it increases by one unit the last digit to stay; if the last figure is less than 5, the last digit to stay remains unchanged. The variations in both percentage and nominal, were calculated using numbers in units.

3 3 Price Index IPCA¹ - %Interest Rate Selic² - % Total Payroll Index³ (3) Basis 100 = 2005 Source: IBGE Unemployment 4 - % (4) 12 months average Source: IBGE Economic Environment (1) 12 months Sorce: IBGE (2) End of Period Source: Central Bank

4 4 Banking Industry Banking Industry Loan Portfolio - R$ trillionBanking Industry Loan Operations¹ - R$ billion Credit Risk Consumer Loans² - R$ billion Allowance / Portfolio - % Loan/GDP - % Public Private MortgagePayroll Vehicle Past Due Loan + 90 dias / Loan Portfolio - % (1) Loan as reference for interest rate – Contracted amount (2) Free Resources. Source: Central Bank BusinessesIndividuals

5 5 Board of Officers Internal Audit Board of Directors Shareholders General Meeting Board of Auditors Directorships Audit Committee CEO VP of International Business and Wholesale Foreign Trade Commercial International VP of Retail Business VP of Retail and Distribution VP of Agribusiness and SME VP of Government VP of Finance, Capital Markets and IR VP of Technology VP of People Management and Sustainable Development VP of Credit, Controllership and Global Risk Cards Loans and Financing Insurance, Pension Plans and Capitalization Distribution High Income Agribusiness Government Pension Fund Management Finance Capital Markets and Investments Investor Relations Technology Software Development IT Infrastructure People Management Relations with Employees and Sponsored Entities Controllership Credit Risk Management Restructuring of Operational Assets Accounting Internal Controls Strategy and Organization Security Management Legal Marketing and Communication Executive Secretariat Units Micro and Small Enterprises Retail Distribution Network Management Position: September 30, 2010 Sustainable Development São Paulo Distribution Business Suport and Operations

6 6 Position on September 30, 2010 COBRA BB % ON 99.94% Total BI % ON 0.003% Total BB LEASING 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 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 BANCO DO BRASIL M A N A G E D BB PREVIDÊNCIA Private Pension Entity S P O N S O R E D CASSI PREVI FBB CONTROLLED F O U N D A T I O N BANCO VOTORANTIM BB 49.99% ON 50% Total BB BI BB - 100% ON 100% Total BRASILPREV BB Seguros 49.99% ON 100% PN 74.99% Total BRASILCAP BB Seguros 49.99% ON 49.99% Total BRASIL VEÍCULOS BB Seguros 100% ON 100% Total Strategic Interest Insurance Group BB SEGUROS PARTICIPAÇÕES BB SEGUROS PARTICIPAÇÕES BB – 100% ON 100%Total CADAM BB 56.19% PN 21.64% Total Participação Não Estratégica Participações Estratégicas RELATED COMPANIES / SHARES NOSSA CAIXA ADM. DE CARTÕES BB – 100% ON 100% Total CIBRASEC BB-BI 9.09% ON 9.09% Total BB 3.03% ON 3.03 % Total CIELO BB BI 28.65% ON 28.65% Total CBSS BB BI 35.00% ON 40.35% Total TECBAN BB BI 13.53% ON 13.53% Total Aliança do Brasil BB Aliança 100% ON 100% Total BB BI BB ALIANÇA NOSSA CAIXA CAPITALIZAÇÃO BB – 100% ON 100% Total BB ALIANÇA PARTICIPAÇÕES BB – 100% ON 100%Total CADAM BB 56.19% PN 21.64% Total Non-strategic Interest Strategic Interest BANCO VOTORANTIM BV PARTICIPAÇÕES BB 49.99% ON 50% Total MAPFRE NOSSA CAIXA BB 49% ON 49% Total EBP BB BI 11.11% ON 11.11% Total BB USA HOLDING COMPANY, INC. BB AGViena-100%ON 100% Total BB MONEY TRANSFERS, INC. BB USA HoldCo-100% ON 100% Total BANCO DO BRASIL AG VIENA BB -100% ON 100% Total ITAPEBI BB-BI 19% ON 19% Total KEPLER WEBER BB-BI 17.57% ON 17.55% Total BBDTVM 0.02% ON 0.02% Total PRONOR BB 1.77% PN 1.05% Total BB-BI 5.51% PN 3.27% Total BBDTVM 29.51% ON 12.02% Total NEOENERGIA BB-BI 8.81% ON 8.81% Total Non-strategic InterestStrategic Interest SBCE BB-BI 12.09% ON 12.09% Total BESCVAL BB – 99.62% ON 99.62% Total FUSESCSIMPREVBEPECONOMUS Banco do Brasil S.A. Finance Ministry 51,9% Fundo Fiscal de Inv. E Estabilização2,2% Individuals 5,9% Previ 10,4% Fundo Garantidor para Investimentos0,3% Treasury Shares 0,0% BNDESPar 0,0% Foreign Capital 17,0% Fdo. Garantia à Exp. 4,9% Companies 7,5%

7 7 Ownership Structure Shareholding BreakdownFree Float - % Foreign InvestorsFederal Government PREVI Other Free float: 30.4%

8 8 Shares Performance Dividends and Interest on Own Capital / Share – R$ Price / Book Value Price / Earnings¹Earnings / Share – R$ (1) Profit in 12 months

9 9 Banco do BrasilBradescoItaú UnibancoIbovespaSantander¹ (1) Since 10/07/2009, date of first operation with Unit SANB % 128.1% 110.0% 12.4% 107.5% 12/31/ /30/2010 Shares Performace

10 10 Profitability Recurring Income ROE - % Market Capitalization – R$ billion Dividends and Interest on Own Capital – R$ billion Recurring ROE - % R$ billion Net Income

11 11 Assets CAGR = 30.2% Market Share¹ - %Assets – R$ billion (1) Source: Central Bank of Brazil

12 12 Capital Structure Basel Tier IITier IShareholders Equity – R$ billion

13 13 Funding R$ billion Demand Deposits Money Market BorrowingSaving Deposits Other Time Deposits CAGR (%): BV and BNC are included since 2009

14 14 Loan Portfolio¹ BusinessesAgribusinessIndividualsAbroad Market Share² - % (1) Loan Portfolio considering BV and BNC since 2009 (2) Domestic Loan Portfolio / SFN Loan Portfolio R$ billion CAGR (%):

15 15 Loans to Individuals Overdraft Accont MortgageVehicle Loan Credit Card Other Payroll Loans BV and BNC are included since 2009 R$ billion CAGR (%):

16 16 Loans to Companies SMEMiddle and Corporate Companies BV and BNC are included since 2009 R$ billion CAGR (%):

17 17 Loans to Agribusiness R$ billion BusinessesIndividuals CAGR (%):

18 18 Without insuranceWith insurance Crop Insurance Breakdown - % Working Capital (R$ billion) 58.4% 66.6% 54.7% 35.7% 74.2% Reinsurance Loans to Agribusiness Other 50% 62% 61% 67% 50% 38% 39% 33% Crop 2007/2008Crop 2008/2009Crop 2009/2010Crop 2010/2011* Costs*Rural InsuranceHedge Price Soybean ,4%7,0% Korn ,2%10,1% Rice 76572,0%- Wheat 1687,3%- Others ,4%- Total ,0%5,3% % Mitigated (*) Crop 2010/2011 – up to september 2010

19 19 (1) Average Loan Portfolio and 12 months expenses (2) Without one-off items (3) Net of credit recovery Required and Additional Provision / Loan Portfolio - % Past Due Loans + 90 days / Loan Portfolio - % Provision Expenses² - R$ million Provision Expenses / Loan Portfolio¹ - % Annualized Net Loss³ / Loan Portfolio - % Credit Risk

20 20 Net Interest Income R$ billion Other Interest RevenuesLoans RevenuesNet Interest Income 59.5

21 21 NIM¹ - % Cumulative Selic² - % NIM¹/Cumulative Selic² - % NIM by ProductNIM vs. Selic Agribusiness - % Businesses - % Individuals - % (1) Net Interest Income / Earning Assets (2) Annualized NIM

22 22 Productivity Administrative Expenses 1 Operating Income 1 Cost / Income Ratio¹ - % (1) Without one-off items

23 23 Productivity Personnel Expenses 1 Fee Income Coverage Ratio¹ - % (1) Without one-off items

24 24 Credit and Debit Cards Credit Cards Issued - millionDebit Cards Issued - million Revenues – R$ billion CAGR (%)

25 25 Structure Employees - thousandPoints of Service - thousand ATM - thousand Transaction in Automated Channels - % BranchesOther

26 26 Structure Position: september 2010 Northeast Midwest Southeast North Retail: 252 Wholesale: 2 Government: 7 Private Banking: 2 South Retail: 401 Wholesale: 5 Government: 5 Private Banking: 10 Retail: 1,019 Wholesale: 7 Government: 9 Private Banking: 12 Retail: 2,139 Wholesale: 49 Government: 6 Private Banking: 72 Retail: 1,000 Wholesale: 23 Government: 3 Private Banking: % 20.6% 45.0% 20.8% 8.4%

27 27 Structure Internet Banking – million of customers 3Q09 3Q10 Breakdown of transactions - %

28 28 Asset Management R$ billion Customer Profile Investment Profile CAGR = 19.0%

29 29 Fee Income Card Revenues R$ billion Insurance (1) Includes BV Δ = 19.8% R$ billion R$ million Asset Management Asset Management Fees¹ – R$ million Insurance Ratio² - % (2) Insurance Net Income / BBs Recurring Net Income R$ billion Asset Management, cards and insurance businesses boost revenues. Δ = 15.0% Δ = 15.9% Δ = 37.6%

30 30 Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor Brasília (DF) Phone: (61) Fax: (61) bb.com.br


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