1 Banco do Brasil S.A. 2H07. 2 Economic Environment Interest Rate - SelicPrice Index - IPCA Ratio - % Source: Central Bank and Brazilian Institute of.

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Presentation transcript:

1 Banco do Brasil S.A. 2H07

2 Economic Environment Interest Rate - SelicPrice Index - IPCA Ratio - % Source: Central Bank and Brazilian Institute of Geography and Statistics - IBGE H H06

3 Trade BalanceInternational Reserves Economic Environment Sovereign Risk – basis points Source: Agência Estado, Ministry of Development, Industry and Foreign Trade and Central Bank USD billion H H

4 Banking Industry H07 BusinessesIndividuals Loan Segments – Free Resources % Loan / GDP - % Source: Central Bank

5 Loan Segments H Payroll LoanCredit Card / Overdraft Account CarsOthers Individual Loan Segments - % Source: Central Bank

6 Banco do Brasil Structure COBRA BB-99.36% ON 99.34% Total BI-0.03% ON 0.03% 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 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 DTVM 0.30% ON 0.30% Total VISA VALE BB BI 35% ON 40.35% Total PRONOR BB 0% ON 1.05% Total BI 0% ON 3.27% Total DTVM 29.5% ON 12.02% Total Strategic Partnerships Non-Strategic Partnerships 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 CIP BB 9.78% ON 9.78% Total CBLC BB 2.45% ON 2.45% Total B Strategic Partnerships CADAM BB 0% ON 21.64% Total Non-Strategic Partnerships Banco do Brasil Banco do Brasil Other Partnerships Affiliated Companies BB BI Wholly Owned Subsidiaries BANCO POPULAR DO BRASIL BB -100% ON 100% Total

7 Organizational Structure Board of Officers International Business and Wholesale Retail Service and Distribution Government Affairs Technology and Logistic Finance, Capital Market and Investor Relations CEO Human Resources and Social- Environmental Responsibility Credit, Controlling and Risk Management Vice-Presidents Credit and Debit Cards and New Retail Business Agribusinesses Board of Directors General Shareholders Meeting Board of Auditors Audit Committee Internal Audit

8 Banco do Brasil’s Shares National Treasury PREVI BNDESPar Foreign Investors Others Free Float: 14.8 Participation - % As of June 2007

9 Share’s Performance H07 Price / Book Value H07 Price / Earnings

10 Share’s Performance H07 Payout - % H07¹ Dividend Yield - % (1) Dividend and Interest on Own Capital in the last 12 months

11 Share’s Performance Jun/03Jun/04Jun/05Jun/06 IbovespaBanco do Brasil 666.4% 311.2% Jun/07

12 PerformancePerformance Net Income - R$ million ROE - % Market Capitalization - R$ billion Dividends / Interest on Capital - R$ million , , , , H H061H ,498 2,418 1H06 3,889 2H06 2,156 1H07 2, ,555

13 Capital Structure Shareholder’s Equity - R$ billionTier I - % BIS Ratio -% Tier II - % H06 1H H061H

HighlightsHighlights Market Share² - % Loan Portfolio - R$ billion Market Share - % Assets - R$ billion H06 1H H061H CAGR: 11.1% (2) Domestic Portfolio(1) As of March/2007 CAGR: 19.6% 15.1¹

HighlightsHighlights Market Share - % Assets Under Management - R$ billion Market Share - % Deposits - R$ billion H06 1H H061H CAGR: 12.2% (1) As of March/2007 CAGR: 22.5% ¹

16 Customers - million HighlightsHighlights IndividualsBusinesses Employees - thousand H H H H06 CAGR: 8.5%

17 Infrastructure and Technology Distribution Network Northeast Branches 995 Others 2,895 Total 3,890 Branches 1,539 Others 3,923 Total 5,462 Branches 810 Others 2,120 Total 2,930 Branches 391 Others 1,327 Total 1,718 Branches 242 Others 917 Total 1,159 North Midwest South Southeast 7.7% 11.3% 25.7% 36.0% 19.3%

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

19 Infrastructure and Technology Transaction in Automated Channels - % ATM Internet Banking Cashier POS Others Breakdown of Transactions - % 1H06 1H H H

20 Administrative Expenses - R$ billionOperational Income - R$ billion ProductivityProductivity Efficiency Ratio - % H062H061H

21 Fee Income - R$ billionPersonnel Expenses - R$ billion Coverage Ratio - % ProductivityProductivity H062H061H

22 Net Interest Income H062H061H R$ billion Security Revenues Loan Revenues Other Interest RevenuesInterest Expense Net Interest Income

23 FundingFunding R$ billion Demand DepositsSaving Deposits Time DepositsOthers¹ H H (1) Include Interbank Deposits, Investment Deposits and Money Market Borrowing

24 Loan Portfolio H061H07 IndividualsBusinessesAgribusiness Abroad R$ billion

25 DelinquencyDelinquency Jun/04Jun/05Jun/06Jun/07 Allowance / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - %

26 Loan Portfolio - Individuals H061H07 Cars Payroll Loan Overdraft AccountCredit Cards Others R$ billion

27 Loan Portfolio - Businesses H061H Middle and Large EnterprisesSmall and Micro Enterprises R$ billion

28 Loan Portfolio - Agribusiness Mini-Sized Farmers Small-Sized Farmers Other Farmers Cooperative H061H R$ billion

29 RetailRetail Credit Card Revenue - R$ billion¹ Issued Credit Cards - million (1) Debt cards included H061H

30 InsuranceInsurance Managed Portfolio - R$ million Insured Cars - thousand Car Insurance H061H

31 InsuranceInsurance Managed Portfolio - R$ million Insured Lives - thousand Life Insurance H061H ,263 1,351 1,417 1, ,824 1,685

32 InsuranceInsurance Managed Portfolio - R$ million Participants - thousand Pension Fund H061H07 5,586 7,781 9,659 12,480 1,178 1,365 1,576 1,760 10,741 14,061 1,903 1,652

33 InsuranceInsurance Managed Portfolio - R$ millions Quantity of Plans - thousand Capitalization (Annuity Plans) H061H07 2,060 2,264 2,875 2,886 2,822 2,727 2,768 2,661 2,792 2,949 2,851 2,859

34 Sustainable Regional Development 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.

35 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, it’s Associated and Affiliated Companies and Subsidiaries. Although these references and statements reflect the management’s 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