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1 1 Banco do Brasil 3Q09. 2 2 Disclaimer This presentation may include references and statements, planned synergies, increasing estimates, projections.

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Presentation on theme: "1 1 Banco do Brasil 3Q09. 2 2 Disclaimer This presentation may include references and statements, planned synergies, increasing estimates, projections."— Presentation transcript:

1 1 1 Banco do Brasil 3Q09

2 2 2 Disclaimer This presentation may include 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, they also involve imprecision and high difficult risks to be foreseen, consequently, they may conduct to a different result than the one anticipated here. These expectations are highly dependent on market conditions, on Brazils economic and banking system performances, as well as on international market one. Banco do Brasil is not responsible for bringing up to date any estimate in this presentation.

3 3 3 Price Index IPCA¹ - % Sep/ Sep/09 Interest Rate Selic² - % Total Payroll Index³ Sep/09 (3) Base 100 Dec/2004 Source: IBGE Unemployment Index 4 - % Sep/09 (4) 12 months average Source: IBGE (1) 12 months Source: IBGE (2) End of Period Source: Brazilian Central Bank Economic Environment

4 Sep/09 Banking Industry Loan Portfolio - R$ trillion Banking Industry Loan Operations¹ - R$ trillion Sep/09 Credit RiskConsumer Loans³ - R$ billion ² Allowance / Loan Portfolio - % Sep/ Loan/GDP - % Public Private MortgagePayrollVehicles Past Due Loan +90 days / Loan Portfolio - % IndividualsBusinesses (2) Projection made over 9- month volume (1) Loan as Reference for Interest Rate (3) Free Resources Source: Central Bank Economic Environment

5 5 5 Board of Officers Internal Audit Board of Directors Shareholders General Meeting Board of Auditors Directorships Audit Commitee CEO VP of International Business and Wholesale Foreign Trade Wholesale Internationall VP of Cards and New Retail Business VP of Retail and Distribution VP of Agribusiness VP of Government VP of Finance, Capital Markets and IR VP of Technology and Logistics VP of Human Resources and Social Environmental Responsability VP of Credit, Controlling and Risk Management Cards Consumer Lending and Finance Insurance, Pension and Capitalization Distribution and Retail Channels High Income AgribusinessGovernment Pension Fund Management Finance Capital Markets and Investment Investor Relations Logistics Technology Software Development IT Infrastructure Operational Support Human Resources Employee Relations and Sponsored Companies Controlling Credit Risk Management Restructuring of Operational Assets Accounting Internal Controls Strategy and Organization Security Management Legal Marketing and Communication Executive Secretariat Units SME Retail Chanel Sustainable Development

6 6 6 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 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 74,50 % Total BAMB - 51% ON 25,50% Total ITAPEBI BB-BI 19% ON 19% Total KEPLER WEBER BB-BI 18,94% ON 17,65% Total BBDTVM 0,0245% ON 0,0228% 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 11,99% Total BANCO DO BRASIL MANAGED BB PREVIDÊNCIA Entidade Fechada de Previdência Privada SPONSORED CASSI PREVI FBB CONTROLLED BANCO POPULAR DO BRASIL BB -100% ON 100% Total F OUNDATION BANCO VOTORANTIM BB 49,99% ON 50% Total BESCVAL BESCREDI BESCLEASING BB -100% ON 100% Total BB BI BB - 100% ON 100% Total BRASILPREV BB Seguro 49,99% ON 49,99% Total BRASILSAÚDE BB Seguros 49,99% ON 49,99% Total BRASILCAP BB Seguros 49,99% ON 49,99% Total BRASIL VEÍCULOS BB Seguros 40% ON 70% Total Strategic Participation Grupo Seguridade Non-Strategic Participation BB ALIANÇA PARTICIPAÇÕES BB - 100%ON 100% Total BB SEGUROS PARTICIPAÇÕES BB SEGUROS PARTICIPAÇÕES BB – 100% ON 100%Total CADAM BB 56,19% PN 21,64% Total Non-Strategic Participation Strategic Participation RELATED COMPANIES / PARTICIPATION Strategic Participation MAPFRE NOSSA CAIXA BNC 49% ON 49% Total NOSSA CAIXA ADM. DE CARTÕES BNC 100% ON 100% Total CIBRASEC BB-BI 9,09% ON 9,09% Total VISANET BB BI 31,63% ON 31,63% Total VISA VALE BB BI 35,00% ON 40,35% Total TECBAN BB BI 8,96% ON 8,96% Total Other Participation Strategic Participation SBCE BB-BI 12,088% ON 12,088% Total Aliança do Brasil 100% ON 100% Total BB BI BB ALIANÇA PARTICIPAÇÕES BANCO NOSSA CAIXA BANCO NOSSA CAIXA BB –99,32% ON 99,32% Total

7 7 7 National Treasure PREVI BNDESPar Foreign Investors Others Participation Ownership Structure Free Float - % 65.4% 10.4% 2.5% 11.7% 10.1% Free float: 21.8% Sep/09

8 8 8 Price / Earnings Shares Performance Price / Book Value Q Q09 Earnings / Share – R$ Q09 Dividends and Interest on Own Capital / Share – R$ Q09 2.4

9 9 9 Ibovespa Banco do Brasil BradescoItaú Shares Performance 269.8% 139.2% 270.3% 177.3% dec/04dec/05dec/06dec/07dec/08sep/09

10 10 Profitability M08Sep/08Sep/ M Net Income - R$ billion ROE - % Market Capitalization - R$ billion Dividends and Interest on Own Capital - R$ billion

11 11 Shareholders Equity - R$ billion Capital Structure Basel Tier IITier I Q Q

12 Sep/09 Market Share¹ % Assets ² - R$ billion Assets 2 Including BV and Nossa Caixa 1 Position of Jun/09 Source: Brazilian Central Bank - Consolidado Bancário I and II, without BNDES CAGR: 30.5%

13 13 Money Market Borrowing Demand Deposits Saving Deposits Others Market Share¹ - % R$ billion Time Deposits CAGR (%): Funding 1 Posição do SFN de Jun/ Q

14 Sep/08Jun/09Sep/09Sep/08Jun/09Sep/09 Sep/08Jun/ Sep/09Sep/08Jun/ Sep/09 Total Funding Savings Deposits Total Deposits Time Deposits Balance – R$ billionCost - % Selic = 52.5% = 37.1% = 42.3% = 52.6% Funding

15 15 Individuals Businesses Agribusiness Abroad Loan Portfolio CAGR (%): R$ billion Market Share¹ - % 1 Domestic Portfolio Sep/

16 16 Others Payroll Loans² Overdraft Account Credit Cards Vehicle Loans¹ Consumer Finance R$ billion Q CAGR (%): Mortgage Including BV 2 Including BNC

17 SMEMiddle and Corporate Enterprises Credit to Businesses R$ billion CAGR (%): Q

18 18 BusinessesIndividuals Credit to Agribusiness R$ billion CAGR (%): , Q09

19 % 61.6% Without insurance With insurance Reinsurance% IRB24 SCOR15 SWISS RE15 PARTNER RE15 MÜNCHENER RÜCK 10 OTHERS7 Total 90 Working Capital 64.3% 63.5% 74.6% 39.8% 74.9% 08/09 Crop R$ 15.5 billion R$ millionTotalInsured% Insured North % Northeast % Mid-West % Southeast 1, % South 3, , % Total5, , % Working Capital MAPFRE RE4 *until September/2009 R$ 5.6 billion 09/10* Crop 33.3%66.7% Crop Insurance Breakdown - % Agribusiness

20 Q09 Required and Additional Provision / Loan Portfolio - % Past Due Loans + 90 days / Loan Portfolio - % Annualized Net Loss³ / Loan Portfolio - % Provision Charges² - R$ million Q09 4,527 5,743 5,378 6,800 8, Provision charges / Loan Portfolio¹ - % Credit Risk (1) Average Loan Portfolio and 12 months expenses (2) Without one-off items (3) Net of credit recovery

21 21 Net Interest Income Loan Revenues Other Interest Revenues R$ billion Net Interest Income M M

22 22 Agribusinesses - % Individuals - % Businesses - % M M09 Global¹ - % Cumulative Selic² - % Global Spread¹ / Cumulative Selic² - % NIM by ProductNIM vs. Selic Spread (1) Net Interest Income over Earning Assets (2) Annualized

23 23 Productivity Administrative Expenses¹Operating Income¹ Cost / Income Ratio without one-off items - % R$ billion (1) without one-off items M089M

24 24 Productivity Administrative Expenses¹Fee Income Coverage Ratio without one-off items - % R$ billion (1) without one-off items M089M

25 25 Debit Cards Issued - million Credit and Debit Cards Revenues – R$ billion Credit Cards Issued - million CAGR (%): ,0 41, ,3 14, Q Q , ,

26 26 Points of Service - thousand Transaction in Automated Channels - % Employees - thousand OthersBranches Q Q09 ATM - thousand Q Q Structure

27 27 Structure Distribution Network by Customer Northeast Varejo 1,001 Atacado 7 Governo 9 Alta Renda 10 Varejo 2,064 Atacado 46 Governo 5 Alta Renda 47 Varejo 1,064 Atacado 22 Governo 3 Alta Renda 9 Varejo 393 Atacado 5 Governo 5 Alta Renda 11 Varejo 246 Atacado 2 Governo 7 Alta Renda 2 North Midwest South Southeast 5.2% 8.4% 20.7% 43.6% 22.1%

28 28 Structure Transactions per Channels - % TAA Internet Individuals Cash POS Others Internet Banking – million of clients Internet Businesses 3Q09 3Q Q

29 29 Asset Management Client Profile Investment Profile R$ billion Q09 CAGR: 20.8% Retail Wholesale Government Institutional Investors Foreign Investors 36.6% 22.0% 27.0% 10.0% 4.5% 56.5% 15.2% 15.3% 13.0% Fixed Income Multimarket Equities Others

30 Fee Income Credit Cards R$ billion 3Q084Q081Q092Q093Q093Q084Q081Q092Q093Q099M089M09 Insurance Net Income² 9M089M (1) Including BV = 34.2% = 38.2% R$ billion 3Q Q Q093Q Q M089M09 R$ million Q08 4Q08 1Q09 2Q09 3Q09 Assets under management¹ AUM Fees - R$ million = 13.1% = 6.0% Insurance Ratio³ - % (2) Not including Nossa Caixa (3) Insurance Net Income / BBs Recurring Net Income Cards, Insurance and AUM Businesses

31 31 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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