1. Unibanco´s Consolidated Results for the Period Ended
June 30, 2001
Conference Call
August 17, 2001

2. Net Income and Equity YoY% QoQ% 2Q00 1Q01 2Q01
Net Income (R$ million) % 49.3%
Earnings/1000 shares (R$) % 29.8%
Equity (R$ million) 5,788 5,714 4, % 38.3%

3. Results and Capital Adequacy
ROAE 14.9% 15.9% 16.2%
ROAA 1.6% 1.6% 1.6%
Basle Ratio 16.2% 15.3% 14.4%
(Central Bank of Brazil)
ROAE
16.20%
15.90%
14.90%
2Q00
1Q01
2Q01

4. General Purpose Lending
Loan Portfolio
In R$ million
Jun/01
Mar/01
Jun/00
QoQ%
YoY%
4,243 3,835 2, % 67.1%
% -4.7%
% 12.5%
2,416 2,274 1, % 41.9%
General Purpose Lending
Trade Finance
Personnel Loans
Real Estate
Leasing
Credit Cards
11,891 10,874 7, % 52.1%
4,072 4,193 3, % 22.5%
Subtotal 15,963 15,067 11, % 43.3%
Subtotal 8,019 7,487 5, % 45.1%
Total 23,982 22,554 16, % 43.9%
- Balanced growth, rigor on creditworthiness (growth below market average)
- Maintain tight filter for behaviour scoring models and wholesale credit processes
- Total 34,5% ano - Orgânico (18,4) Aquisições (16,1)
- Total 23,6% ano - Orgânico (8,8) Aquisições (14,8)
- Market Growth
Estimated 35% growth of total loans in the private sector
- TRADE - mesmo nível em $ do início do ano

5. Loan Growth 23,982 22,554 Jun/00 Mar/01 Jun/01 654 1.219 613 1.646
In R$ million
23,982
6.22%
22,554
654
1.219
613
1.646
% Change 2Q01/2Q00
Unibanco: 32.6%
Total: 43.9%
35.31%
20,295
22,109
8.93%
16,668
21.76%
Jun/00
Mar/01
Jun/01
Unibanco
Bandeirantes
50% Fininvest
Organic Growth
Total Growth

6. Loan Breakdown R$ 22,554 million R$ 23,982 million March 2001
June 2001
Corporate Middle
Market
Corporate Middle
Market
1% Private
1% Private
14%
17%
Large
Corporate
Credicard and
Fininvest
Large
Corporate
Credicard and
Fininvest 9%
42% 9%
44%
32%
31%
Retail
Banking
Change in the Mix
From To
Retail % 42%
Wholesale % 58%
Retail
Banking
R$ 22,554 million
R$ 23,982 million

7. Credit Quality 16,013 17,327 17,833 22,148 23,473 24,901 AA A B C D-H
41%
44%
45%
41%
39%
38%
R$ million
27%
27%
28%
30%
31%
32%
10%
10% 9%
10%
10%
10%
14%
12%
10%
10%
11%
11%
Speech:
In spite of the 25% loan growth in the quarter, of which almost 2/3 were from the acquisitions of Bandeirantes and Fininvest, loans classified AA- B went from 80% in June to 81% by year end. D-H went up R$ MM in absolute terms, from 8.3 to 9.2 in relative terms which consumed R$ 1,317 MM in provisions in the 4th quarter, 65% of total outstanding.
Free provision of R$ 170 MM represent a more conservative provision than the minimum required by the Central Bank in each classification.
Bandeirantes´ total D-H portfolio of R$ is 1.6% of Unibanco´s total portfolio
50% of Fininvest D-H portfolio of R$ is 0.5% Unibanco´s total portfolio
Unibanco´s total D-H portfolio grew R$ 120 million QoQ, representing 0.5% of portfolio
Free provisions of R$ 170 million above minimum requirements 8% 8% 7% 9% 9% 9%
Mar/00
Jun/00
Sep/00
Dec/00
Mar/01
Jun/01 AA A B C
D-H
Note: Total risk, including the loan portfolio and other receivables.

8. Total Portfolio (R$ million)
Credit Quality
92%
92%
93%
91%
91%
91%
24,901
23,473
22,148
17,833
17,327
16,013
Mar/00
Jun/00
Sep/00
Dec/00
Mar/01
Jun/01
% AA - C
Total Portfolio (R$ million)
Note: Total risk, including the loan portfolio and other receivables.

9. Over 60 Days Past Due Credits / Total Loans
4.2
4.1
3.8
3.8
3.4
3.2 %
3.0
3.0
2,6
2.7
2.3
2.3
Mar/00
Jun/00
Sep/00
Dec/00
Mar/01
Jun/01
Unibanco Consolidated
Unibanco Consolidated excluding Bandeirantes
Unibanco Consolidated excluding Bandeirantes and Fininvest

10. Loan Loss Provisions Provision for loan losses (final balance) 1S01
In R$ million
1S01
2Q00
1Q01
2Q01
1S00
Provision for loan losses (initial balance)
Expenses with provisions for loan losses
Incorporated Balances
Loan charge-offs
Provision for loan losses (final balance)
Net charge-off / Total loan portfolio
Loan recovery
1,561 1,484 1,135 1,
(340) (305) (266) (645) (449)
1,654 1,561 1,145 1,654 1,145
1.1% 1.0% 0.9% 2.0% 1.4%

11. Funding Jun/01 Mar/01 Jun/00 QoQ% YoY%
In R$ million
Jun/01
Mar/01
Jun/00
QoQ%
YoY%
Funds in Local Currency 31,185 30,481 21, % 45.1%
Funds in Foreign Currency 12,264 11,478 8, % 37.8%
Total Funds 43,449 41,959 30, % 43.0%
Assets Under Management 19,039 20,320 16, % 17.6%
Total Funds + Assets Under Mgt 62,488 62,279 46, % 34.2%
Foreign currency
% do total
% do total
Foreign currency in US$ = 6.0%
Total funding (third line) was up 44.6% for the year in spite of a relatively modest growth of 13.1% in dollar funding, as demand for US dollar loans initially drop to subsequently increase.

12. Deposits Demand Deposits 2,290 2,484 1,537 -7.8% 49.0%
In R$ million
Jun/01
Mar/01
Jun/00
QoQ%
YoY%
Demand Deposits 2,290 2,484 1, % 49.0%
Savings Deposits 4,163 3,680 2, % 51.9%
Interbank Deposits % 347.9%
Time Deposits 8,115 7,720 5, % 48.3%
Total Deposits 14,886 14,096 9, % 51.6%

13. Fee Income 2Q01 1Q01 2Q00 Tariffs and Commissions 267 250 198 517 379
In R$ million
2Q01
1Q01
2Q00
1S01
1S00
Tariffs and Commissions
Credit Cards
Asset Management
Total ,

14. Main Changes in Personnel and Adm. Expenses
1S01 vs. 1S00 - Consolidated
In R$ million
226
488 97 93 19 17 10
Credicard
Banco1.net
Insurance Pillar
Multiple Bank
Fininvest
Bandeirantes
Total Personnel
and Adm. Expenses
Acquisitions
AIG Brasil and Trevo’s administrative expenses were consolidated in UASEG
Consolidated as stand alone company since Nov/00
Volume growth 39 54
R$ 39 million correspond to organic growth plan
(ContAtiva)

15. Total Consolidated (*)
Main Changes in Personnel and Adm. Expenses
1S01 x 1S00 - Multiple Bank
In R$ million
1S00
1S01
1,019
926
163
132 66
226
299
1,863
1,740
Multiple Bank
Fininvest
Bandeirantes
Total Consolidated (*)
1,375 % % %
+123 7% 39
ContAtiva
365
Reported
Prior to Acquisition
Notes: For visual purpose only.
(*) Includes all other companies such as Credicard, Seguros etc.

16. Fees & Tariffs / Personnel & Adm. Expenses
56.5%
54.8%
54.4%
951
912
710
R$ Million
401
498
518
2Q00
1Q01
2Q01
Personnel & Adm. Expenses
Fee Income
Fee Income/Personnel and Adm. Expenses

17. Efficiency Ratio 60.8% 60.0% 58.6% 56.0% 56.7%(1) Efficiency Ratio(2)
28,846
28,752
28,384
20,607
19,457 98 99 00
1Q01
2Q01
Efficiency Ratio(2)
Number of Employees
(1) Excluding extraordinary earnings
(2) Administrative Expenses / (Profit from Financial Intermediation - Allowance for loan losses + Fees & Tariffs + Other Taxes + Other Operating income/Expenses)

18. Consolidated Income Statement
In R$ million
2Q01
1Q01
2Q00
1S01
1S00
Revenue from financial intermediation 2,546 2,416 1,641 4,962 3,102
Expense on financial intermediation (1,726) (1,597) (937) (3,323) (1,767)
Profit from financial intermediation ,639 1,335
Fee Income ,
Insurance, Capitalization and private
retirement plans
Personnel / Administratives (951) (912) (710) (1,863) (1,375)
Operating Income
Net Income

19. Effects of FX on Investments Abroad
2Q01 1Q01
Exchange rate fluctuation on investments abroad
Hedge effect on investments abroad (46.5) (77.8)
Income abroad
Opportunity Cost (64.5) (56.4)
Managerial impact of investments abroad
In R$ million

20. Customer base expansion Banco Bandeirantes integration
2001 Priorities
Customer base expansion
Banco Bandeirantes integration
Fininvest synergies

21. Open 259 points of sale (66 full branches) Open 1.8 million accounts
Organic Growth
Open 259 points of sale (66 full branches)
Open 1.8 million accounts
Organic growth attained in 1S01:
an annualized rate of 14%
3-Year Goals:
CSB - Corporate Site Branches
ISB - In Store Branches
Organic Growth
Contativa million clients in 3 years. In 2000, already
66 new branches, 135 CSB, 58 ISB
Investments R$ 181 million
Expense Growth R$ 199 million
Fininvest - Increase customer base by 18% p.ª
52 new branches in 2001
Increase cross selling
New products introduction

22. Banco Bandeirantes Integration1 4 10 35 47 52 54 53 48 50 20 30 40 60
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
20,000
25,000
30,000
35,000
40,000
45,000
50,000
R$ Million
Estimated
Expenses
Actual
Expenses
# Branches

23. Banco Bandeirantes Integration
Estimated reduction of 35% of Banco Bandeirantes’ annual costs, fully impacting 2002 financials.
In June 2001, approximately 3/4 of the planned cost effectiveness
had already been attained, ahead of the original timetable, which had estimated 57% in June .

24. Banco Fininvest Increase cross-selling of Unibanco’ s products
(pilot plans have already begun)
3-year back-office integration plan (with the Retail bank and credit card company)
Will remain as an independent brand
CSB - Corporate Site Branches
ISB - In Store Branches
Organic Growth
Contativa million clients in 3 years. In 2000, already
66 new branches, 135 CSB, 58 ISB
Investments R$ 181 million
Expense Growth R$ 199 million
Fininvest - Increase customer base by 18% p.ª
52 new branches in 2001
Increase cross selling
New products introduction

25. Unibanco Network - 1S01/1S00 Growth PABs (Corporate-site)
Increasing Scale
Unibanco Network - 1S01/1S00 Growth
ATMs
Branches
36%
39%
21%
11% 5% 5%
Unibanco
Peer A
Peer B
Unibanco
Peer A
Peer B
PABs (Corporate-site)
37%
20%
20%
Unibanco
Peer A
Peer B

26. Increasing Scale Client Base Growth Growth Organic Growth 33% 12% 17%6% 3% 4%
Unibanco
Peer A
Peer B
14% 4%
16% 6% 3%
Unibanco
Peer A
Peer B
1S01/1S00
1S01/2S00
1S01/1S00
1S01/2S00

27. Scale = Clients x Transactions
Increasing Scale
Average Products per Client Mar/97 Mar/00 Mar/01
Segment
Uniclass
Exclusive
Special
Total
< 1 year clients =
4.2
> 1 year clients =
5.2
Scale = Clients x Transactions

28. Corporate Governance Level 1 (Novo Mercado)
We highlight Unibanco and Unibanco Holdings
joining Level 1 of Bovespa’s Corporate Governance
23.3% weight in the Corporate Governance Index
Strengthened commitment to high quality disclosure

29. MSCI Latin American Index
Unibanco’s weight was increased from 0.69% to % in May.
This growth placed Unibanco among the 15 Latin American companies that achieved the greatest increase in their relative weight in the index (15 top gainers).