1. Banco do Brasil
3Q07 Results

2. Net Income
35.9
29.2
31.0
29.4
29.4
24.0
26.7
17.8
19.8
26.3
4,796
20.9
4,646
18.0
1,582
3,841
1,409
1Q07
2Q07
1,464
1,068
1,248
4Q06
1,364
832
3Q06
907
2,417
Δ Recurring Net Income – 90.2%
Δ Recurring Net Income – 92.2%
3Q07
9M06
9M07
Net Income – R$ million
ROE (Annualized) - %
Recurring Net Income – R$ million
Recurring ROE (Annualized) - %

3. ( ) ( ) Net Income Changes Recurring Net Income 2Q07 1,464
R$ million
Recurring Net Income 2Q ,464
Income Taxes
Other Operating Income
Fee Revenues
Other Effects
Administrative Expenses
Net Interest Income
( )
Recurring Net Income 3Q ,582
( )
One-off Expenses
Net Income 3Q ,364

4. Net Interest Income
15.3
R$ billion
13.3
5.2
5.2
1.7
4.8
4.8
4.4
1.2
9.6
10.2
0.4
14.6
3.0
6.1
0.5
4.8
3.2
6.1
0.8
4.8
3.3
5.8
0.4
4.6
13.9
3.4
5.4
0.3
4.7
3.4
18.7
15.8
5.1
6.5
3Q06
4Q06
1Q07
2Q07
3Q07
9M06
9M07
Net Interest Income
Loan Revenues
Interest Expense
Security Revenues
Other Interest Revenues

5. Annualized NIM by Loan Portfolio - %
Net Interest Income
14.6
13.6
12.9
12.3
11.5
8.2
8.4
8.1
8.0
7.5
3Q06
4Q06
1Q07
2Q07
3Q07
Average Selic Annualized - %
NIM Annualized¹ - %
Annualized NIM by Loan Portfolio - %
31.4
31.8
28.9
28.8
27.7
8.5
8.0
7.3
7.0
7.2
5.2
6.4
7.0
6.6
6.6
3Q06
4Q06
1Q07
2Q07
3Q07
(1) Net Interest Income over Earning Assets
Individuals
Businesses
Agribusinesses

6. Investment Interest Rate
Long Exposure vs. Interest Rate
Related to Selic - %
130.5
127.2
124.8
128.1
Investment Interest Rate
112.6
65.0
62.1
62.0
61.5
Funding Interest Rate
58.1
49.4
46.4
36.1
29.9
27.7
22.9
19.0
18.2
12.7
14.6
3Q06
4Q06
1Q07
2Q07
3Q07
Domestic Long Net Exposure - R$ billion
Floating Rate
Fixed Rate

7. Loan Portfolio Δ % over Sep/06 Jun/07 26.9 3.4 150.2 56.3 48.8 27.9
R$ billion
Δ % over
Sep/06 Jun/07
150.2
56.3
48.8
27.9
12.2
Jun/07
145.2
55.2
46.8
26.1
12.3
Mar/07
140.4
51.9
45.1
24.0
12.2
Dec/06
133.2
12.6
44.4
40.3
23.2
10.4
Sep/06
118.3
29.5
20.1 (0.7)
48.4
59.7
Sep/07
Businesses
Individuals
Agribusinesses
Abroad

8. Loan Portfolio - Individuals
R$ billion
Δ % over
3Q06 2Q07
29.5
3.4
2.6
10.2
9.9
27.9
1.7
3.2
2.7
9.3
9.6
26.1
1.3
3.1
2.2
8.3
9.5
24.0
0.9
2.8
2.3
7.4
10.1
23.,2
0.6
10.1
11.0
7.7 (2.0)
2.6
3.6
2.2
3Q06
4Q06
1Q07
2Q07
3Q07
Cars Loan
Overdraft Account
Credit Card
Payroll Loan
Others

9. Required Provision / Past Due Loan + 90 days - %
Credit Risk
Average Risk - %
6.9
6.2
6.2
6.0
6.7
5.8 BB
Banking Industry
5.4
5.4
5.4
5.4
Required Provision / Past Due Loan + 90 days - %
213.9
175.1
214.0
170.1
222.7
173.1
221.9
166.2
202.8
167.7 BB
Banking Industry
3Q06
4Q06
1Q07
2Q07
3Q07

10. Delinquency and Provision for Credit Risk
5.6
5.0
4.8
4.1
3.7
1,385
1,431
1,257
1,236
1,216
7.4
6.5
6.5
6.5
6.4
3Q06
4Q06
1Q07
2Q07
3Q07
Provision Expenses - R$ million
5.2
4.7
4.1
4.2
Provision Expenses / Loan Portfolio¹ - %
4.1
3.8
3.4
2.9
2.8
2.8
3Q06
4Q06
1Q07
2Q07
3Q07
Provision / Loan Portfolio - %
Past Over Due Loans + 15 days / Loan Portfolio - %
(1) Average Portfolio and Expenses of the past 12 months
Past Over Due Loans + 60 days / Loan Portfolio - %

11. Credit Risk Provisions Breakdown
R$ million
9,663
9,441
8,757
9,133
8,635
1,580
548
1,655
1,582
1,397
8,209
8,084
7,238
7,551
7,786
Sep/06
Dec/06
Mar/07
Jun/07
Sep/07
Total Provision
Required Provision
Additional Provision

12. Deposits Δ % over Sep/06 Jun/07 18.8 4.6 172.2 164.5 158.8 160.7 6.0
R$ billion
Δ % over
Sep/06 Jun/07
172.2
164.5
158.8
160.7
6.0
5.4
144.9
5.3
5.2
5.7
83.6
81.4
76.9
80.9
72.3
38.7
40.1
35.6
36.8
32.4
40.8
43.8
34.4
36.7
38.9
Sep/06
Dec/06
Mar/07
Jun/07
Sep/07
Saving Deposits
Demand Deposits
Time Deposits
Others

13. Fee Income
R$ million
Δ % over
3Q06 2Q07
2,498
2,437
2,377
2,252
2,287
352
330
300
280
293
727
703
716
659
672
1,419
1,313
1,322
1,373
1,391
3Q06
4Q06
1Q07
2Q07
3Q07
Products
Customers
Others

14. Customers and Asset Management
19.7
19.1
19.1
19.1
18.1
208.9
206.9
193.1
180.6
182.7
Δ= (1.0)%
Δ= 14.5%
Customers - million
3Q06
4Q06
1Q07
2Q07
3Q07
24.1
22.6
1.5
3Q06
24.4
22.8
1.6
4Q06
24.6
23.0
1.6
1Q07
23.3
1.6
2Q07
24.9
25.2
Market Share - %
1.6
Assets under Management - R$ billion
23.6
3Q07
Individuals
Companies

15. Insurance 315 1Q07 316 2Q07 300 4Q06 294 250 3Q06 Δ= (7.0)% Δ= 17.6%
Value Added¹ - R$ million
315
1Q07
316
2Q07
300
4Q06
294
250
3Q06
Δ= (7.0)%
Δ= 17.6%
3Q07
(1) Includes equity income, fee income, brokage and asset management income

16. Credit Cards 558 4Q06 560 2Q07 542 508 1Q07 495 Δ= (3.2)% Δ= 9.4% 3Q06
Value Added¹ - R$ million
558
4Q06
560
2Q07
542
508
1Q07
495
Δ= (3.2)%
Δ= 9.4%
3Q06
3Q07
(1) Includes fee income, financing income, equity income and others

17. Credit Cards
17.8
15.7
14.1
14.4
11.4
12.3
10.9
11.5
11.2
9.4
Δ= 7.0%
Δ= 30.6%
3Q06
4Q06
1Q07
2Q07
3Q07
Credit Cards - million
(1) Includes Credit Cards and Debit Cards
Revenue¹ - R$ billion

18. Administrative Expenses
R$ million
Δ % over
3Q06 2Q07
3,362
3,331
3,182
3,232
3,149
1,516
1,378
1,401
1,519
1,572
1,804
1,846
1,748
1,713
1,759
(2.5) 2.7
3Q06
4Q06
1Q07
2Q07
3Q07
Personnel Expenses¹
Other Administrative Expenses¹
(1) Legal risk and extraordinary items are not included.

19. Points of Service - thousand
Human Resources and Logistics
Workforce - thousand
82.6
10.2
3Q06
82.7
4Q06
9.9
82.5
10.1
1Q07
79.3
9.8
2Q07
9.5
80.0
Points of Service - thousand
3Q07
15.0
15.1
15.1
15.2
15.2
Employees
Interns
4.0
4.0
4.0
4.0
4.0
11.0
11.1
11.2
11.2
11.2
3Q06
4Q06
1Q07
2Q07
3Q07
Branches
Others

20. Productivity Ratio
R$ billion
130.2
130.6
127.9
113.4
112.9
110.1
107.2
2.4
2.5
2.5
2.4
1.9
2.4
2.2
1.9
2.3
2.0
3Q06
4Q06
1Q07
2Q07
3Q07
Recurring Coverage Ratio¹ - %
Fee Income
Coverage Ratio¹ - %
Personnel Expenses
(1) Year to Date

21. Administrative Expenses
Productivity Ratio
R$ billion
49.1
50.8
47.5
46.5
44.1
44.7
45.5
7.5
7.7
7.7
7.1
7.1
4.2
4.2
3.6
3.4
3.3
3Q06
4Q06
1Q07
2Q07
3Q07
Recurring Efficiency Ratio¹ - %
Administrative Expenses
Efficiency Ratio¹ - %
Operating Income
(1) Year to Date

22. BIS Ratio %
17.7
17.3
17.2
15.9
15.7
5.8
5.6
5.5
5.3
5.2
11.9
11.6
11.6
10.6
10.5
Sep/06
Dec/06
Mar/07
Jun/07
Sep/07
Tier I
Tier II

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