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1 Banco do Brasil S.A. 2007. 2 Economic Environment 18.0 5.7 2005 11.3 4.5 2007 13.3 3.1 2006 17.8 7.6 2004 Interest Rate - Selic Ratio - % Price Index.

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Presentation on theme: "1 Banco do Brasil S.A. 2007. 2 Economic Environment 18.0 5.7 2005 11.3 4.5 2007 13.3 3.1 2006 17.8 7.6 2004 Interest Rate - Selic Ratio - % Price Index."— Presentation transcript:

1 1 Banco do Brasil S.A. 2007

2 2 Economic Environment 18.0 5.7 2005 11.3 4.5 2007 13.3 3.1 2006 17.8 7.6 2004 Interest Rate - Selic Ratio - % Price Index - IPCA 16.5 9.3 2003

3 3 Economic Environment 52.9 33.6 2004 53.8 44.7 2005 85.8 46.1 2006 180.3 40.0 2007 International Reserves Sovereign Risk - basis points Trade Balance US$ billion 463 383 303 192 222 24.8 49.3 2003

4 4 Banking Industry 56.4 43.6 2004 52.8 47.2 2005 52.2 47.8 2006 51.9 48.1 2007 BusinessIndividualsLoan / GDP - % Loan Segments - Free Resources % 26.2 26.9 28.1 30.8 34.7 60.5 39.5 2003

5 5 Others Cars Payroll Loan Credit Cards / Overdraft Account 2004 47.2 27.5 12.4 13.0 2005 45.1 26.6 16.6 11.7 2006 42.5 26.7 20.2 10.6 Individual Loan Segments - % Loan Segments Fonte: Bacen 55.1 29.7 15.2 2003 44.5 25.6 20.4 9.5 2007

6 6 Banco do Brasils Structure 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 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 74.50 % Total BAMB - 51% ON 25.50% Total ALIANÇA DO BRASIL BB-BI 40% ON 100% PN 70% Total BRASILPREV BB-BI 49.99% ON 49.99% Total CIBRASEC BB-BI 9,09% ON 9,09% Total SBCE BB-BI 12.09% ON 12.09% Total BRASILSAÚDE BB-BI 49.92%ON 49.92% Total VISANET BB BI 35% ON A 28,75% ON B 31,99% Total Insurance Group ITAPEBI BB-BI 19% ON 19% Total BRASILCAP BB-BI 49.99% ON 49.99% Total KEPLER WEBER BB-BI 21.45% ON 17.87% Total DTVM 0.029% ON 0.02% Total VISA VALE BB BI 35% ON 45,69% PN 40,35% Total PRONOR BB 1.77% ON 1.05% Total BI 5.51% ON 3.27% Total DTVM 29.51% ON 12.02% Total Strategic Participation Non-Strategic Participation 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 BM&F BB 0,36% Cotas 0,36% Total CIP BB 9,78% ON 9,78% Total B Strategic Participation CADAM BB 56.19% ON 21.64% Total Non-Strategic Participation M A N A G E D BB PREVIDÊNCIA Entidade fechada de Previdência Privada S P O N S O R E D CASSI PREVI FBB Banco do Brasil National Treasury 67,06% National Treasury 67,06% PREVI 10,74% PREVI 10,74% BNDESPAR 2,60% BNDESPAR 2,60% Other Shareholders 19,60% Other Shareholders 19,60% Other Participation R E L A T E D C O M P A N I E S / P A R T I C I P A T I O N B B B I C O N T R O L L E D BANCO POPULAR DO BRASIL BB -100% ON 100% Total F O U N D A T I O N

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8 8 National Treasury PREVI BNDESPar Foreign Investors Others Participation 65.3% 10.5% 2.5% 10.0% 11.7% Free Float: 21.7% Ownership Structure 5.0 2.2 2003 7.1 4.0 2.8 2004 6.8 3.5 3.4 2005 6.9 7.6 7.2 2006 14.8 11.7 10.0 2007 21.7 Free Float - %

9 9 Shares Performance 1.4 2003 1.8 2004 2.0 2005 2.5 2006 3.1 2007 Price / Book Value 7.4 2003 8.6 2004 8.1 2005 8.7 2006 14.9 2007 Price / Earnings

10 10 Earnings / Share – R$ Dividends and Interest on Own Capital / Share – R$ Shares Performance 0.3 2003 0.4 2004 0.6 2005 1.0 2006 0.8 2007 1.1 2003 1.3 2004 1.7 2005 2.4 2006 2.0 2007

11 11 Ibovespa Banco do Brasil BradescoItaú Unibanco Dez/02Dez/03Dez/04Dez/05Dez/06Dez/07 Shares Performance 1.135.3% 467.0% 713.1% 526.5% 637.3%

12 12 Profitability 3.0 2004 4.2 2005 6.0 2006 5.1 2007 26.0 2004 33.7 2005 52.8 2006 75.3 2007 Net Income - R$ billion ROE - % Capitalização de Mercado - R$ bilhões Dividends / Interest on Own Capital 17.6 2003 0.7 1.0 1.5 2.4 2.0 2.4 2003 22.3 26.8 32.1 23.0 22.5

13 13 Shareholders Equity - R$ billion Tier I -% Tier II - % 10.6 4.6 2004 11.7 5.4 2005 11.7 5.6 2006 Capital Structure BIS Ratio - % 2007 10.7 4.9 15.6 17.3 17.1 15.2 13.7 2003 4.0 9.7 14,1 2004 16,9 2005 20,8 2006 24,3 2007 12,2 2003

14 14 239.0 2004 253.0 2005 296.4 2006 357.8 2007 Market Share % Assets - R$ billion Assets CAGR: 11.7% (*) Economic-Financial consolidated 230.1 2003 14.0% 14.8% 15.1% 16.5%17.3%

15 15 Money Market Borrowing Demand Deposits Saving Deposits Others 2003 48.2 40.1 27.1 27.4 7.3 150.1 2004 49.7 44.5 29.0 31.1 5.8 160.1 2005 63.5 30.5 35.8 32.8 5.5 168.2 2006 76.9 49.3 40.1 36.7 5.2 208.1 2007 85.5 72.3 51.3 45.8 5.6 260.6Funding CAGR (%): 14.8 - 6.3 13.7 17.3 Market Share - % R$ billion Time Deposits 15.9 15.4 21.7 20.9 19.1 19.6 19.8

16 16 Funding 65.4 64.7 60.6 84.7 51.8 61.6 100.0 Saving Deposits Time Deposits Judicial Deposits Total Deposits Money Market Borrowing Total Funding Funding Cost - as % of Selic

17 17 Individuals Businesses Agribusiness Abroad 2004 16.1 33.4 30.0 9.0 88.6 2005 18.4 38.5 35.7 9.2 101.8 2006 24.0 51.9 45.1 12.2 133.2 2007 32.0 65.5 51.9 11.4 160.7 Loan Portfolio CAGR (%): 22.0 8.0 20.0 25.2 25.7 R$ billion 15.9 15.3 16.5 16.0 Market Share - %

18 18 Unsecured Consumer Finance Payroll LoansOverdraft Account Credit CardCars 1.5 10.0 2.0 2.2 0.3 2004 16.1 9.7 2.5 2.2 0.2 2005 18.4 3.8 9.5 3.1 2.2 0.9 2006 24.0 8.3 10.5 4.3 2.4 2.9 2007 32.0 11.9 CAGR (%): 18.7 113.0 2.9 29.1 1.6 99.4 Consumer Finance R$ billion

19 19 Small and Micro EnterprisesMiddle and Corporate Enterprises 13.2 20.2 2004 33.4 15.4 23.1 2005 38.5 18.3 33.6 2006 51.9 24.6 40.9 2007 65.5 CAGR (%): 25.2 23.1 26.5 Credit to Business R$ billion

20 20 MiniSmallMiddle and CorporateCooperative 2004 19.6 6.0 3.0 1.3 30.0 2005 22.8 7.4 3.8 1.8 35.7 2006 29.2 8. 6 5.3 2.0 45.1 2007 34.0 9.5 6.5 1.9 51.9 CAGR (%): 20.0 13.5 28.0 16.6 20.2 Credit to Agribusiness R$ billion

21 21 Credit Risk Provision Expenses - R$ billion 3.1 2003 3.5 2004 4.5 2005 5.7 2006 5.4 2007 4.4 4.3 4.7 5.0 3.7 Provision Expenses / Loan Portfolio¹ - % (1) Average Loan Portfolio

22 22 Credit Risk 4.6 5.6 4.1 4.5 6.4 5.2 5.1 5.8 5.4 4.7 3.3 3.0 4.0 2.9 3.3 6.5 6.6 6.1 5.4 20032004200520062007 Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - % Provision / Loan Portfolio - % Average Risk - %

23 23 Net Interest Income Loan Revenues Other Interest Revenues 2003 16.2 19.5 35.7 2004 17.1 14.2 31.3 2005 19.2 14.4 33.6 2006 21.6 15.1 36.7 2007 25.3 14.7 40.0 15.3 15.7 16.7 18.1 20.8 Net Interest Income CAGR (%): 8.0 11.8 R$ billion 2.9

24 24 NIM 2003200420052006 2007 9.1 8.4 8.6 8.1 7.6 23.3 16.2 19.1 15.3 11.9 NIM¹ - %Average Selic - % (1) Net Interest Income over Earning Assets 38.2 35.7 30.1 28.7 25.4 8.9 9.0 8.4 8.1 6.3 6.1 5.6 6.0 5.5 6.9 20032004200520062007 IndividualsBusinessesAgribusiness NIM by Portfolio - %

25 25 Productivity Administrative Expenses¹Operating Income¹ CAGR (%): 6.4 11.4 Efficiency Ratio - %Efficiency Ratio without Extraordinary Itens - % 2003 11.3 20.1 2004 12.6 23.2 2005 13.1 27.3 2006 13.7 28.9 2007 14.5 30.9 56.0 54.2 48.1 47.5 51.4 46.9 R$ billion (1) without extraordinary itens

26 26 Productivity Personnel Expenses¹Fee Income CAGR (%): 3.5 15.8 Coverage Ratio - %Coverage Ratio without Extraordinary Itens - % 20032004200520062007 6.8 5.5 7.1 6.6 7.5 7.6 7.9 8.9 7.8 9.9 102.3 108.1 127.7 93.1 81.0 112.9 R$ billion (1) without extraordinary itens

27 27 Debit Cards Issued - million Revenues – R$ billion Credit and Debit Card 18.1 24.3 31.6 37.9 49.3 37.2 2003 31.9 5.3 41.3 2004 34.4 6.9 49.3 2005 40.0 9.3 56.4 2006 42.3 14.1 69.1 2007 48.9 20.2 Credit Cards Issued - million CAGR (%): 28.5 39.7 11.3

28 28 IndividualBusinesses Customers - million 17.51.2200318.819.71.4200421.1 21.51.4200522.9 22.81.6200624.424.31.7200726.0 CAGR (%): 8.4 8.6 9.1 Structure Employees - thousand 79.7 2004 83.8 2005 82.7 2006 81.9 2007 78.0 2003

29 29 OthersAgências Points of Services - thousand 10.03.2200313.210.73.72004 14.5 10.93.9200514.811.14.02006 15.1 11.34.0200715.386.4200388.4200489.2200590.0200691.32007 Transaction in Automated Channels - % Distribution Network

30 30 Structure Distribution Network by Customer Northeast Retail 980 Wholesale 7 Government 10 High Income 2 Retail 1,472 Wholesale 47 Government 11 High Income 22 Retail 801 Wholesale 22 Government 6 High Income 4 Retail 383 Wholesale 5 Government 5 High Income 4 Retail 233 Wholesale 2 Government 7 High Income 0 North Midwest South Southeast 6.0% 9.9% 24.8% 38.6% 20.7%

31 31 Structure Transactions per Channels - % TAA Internet Cash POS Others 4Q07 45.6 31.4 8.7 9.9 4.4 Internet Banking – million of customers 6.92004 7.92005 8.22006 8.52007 5.92003 47.0 30.2 10.0 9.0 3.8 4Q06

32 32 Asset Management Customer Profile Retail 27.9% Wholesale 8.8% Public Sector 14.8% Institutional Investors 44.4% Foreign Investor 4.1% Investment Profile Fixed Income 51.5% Multi-strategy 15.7% Equities 21.4% Others 11.4% 102.7 124.0 153.5 182.7 220.1 20032004200520062007 CAGR: 21.0%

33 33 Insurance - Added Value 720 889 1.123 1.200 2004200520062007 CAGR: 18.5% R$ million

34 34 Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor 70073-901 - Brasília (DF) Phone: 55 (61) 3310-3980 Fax: 55 (61) 3310-3735 bb.com.br ri@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 www.bb.com.br/ri


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