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2Q03 Earnings Banco do Brasil.... 1- Credit operations, Leasing operations and other credits, according Res. 2682/99 2 - Demand, Time, Savings and Interbank.

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Presentation on theme: "2Q03 Earnings Banco do Brasil.... 1- Credit operations, Leasing operations and other credits, according Res. 2682/99 2 - Demand, Time, Savings and Interbank."— Presentation transcript:

1 2Q03 Earnings Banco do Brasil...

2 1- Credit operations, Leasing operations and other credits, according Res. 2682/99 2 - Demand, Time, Savings and Interbank 3 - Net Income included 4 - Annualized Highlights R$ millions 2Q021Q032Q03s/2Q02s/1Q03 Total Assets169,910209,240205,76221.1 -1.7 Credit Operations 1 57,03165,71568,66220.4 4.5 Security Portfolio68,59175,63172,7466.1 -3.8 Deposits 2 79,71098,13099,88125.3 1.8 Asset Management - R$ bi63.678.083.230.8 6.7 Shareholders’ Equity 3 7,98410,16410,87236.2 7.0 Market Capitalization5,8667,7089,58263.4 24.3 Net Income47447960026.5 25.2 ROE % 4 24.1221.3124.84 Earnings Per Share - R$0.670.650.82 Change % efficiency reflected in numbers

3 24.1 32.930.2 21.3 Return On Equity % 2Q023Q024Q021Q032Q03 24.8 474 605 600 479 600 Profit and Return On Equity R$ millions 1.079 1.205 823 1H022H021H03 20.6 1H03 Profit and ROE % R$ millions 30.0 22.7 1H0177.0 2H01188.3 1H02307.4 2H02 272.1 1H03 321.9 Dividends / Interests on Legal Capital R$ millions adding value to shareholders...

4 Income Statements Including Reallocations solid results...

5 Analysis of Volume and Spread Gain to volume increase The contribution of spread in the Margin decreased to 3.44% in 2Q03 from 30.83% in 1Q03. Spread % Volume - R$ millions 2Q03 1.777417 % 2Q02 1.763765 % 2Q02 163,0722Q03 198,267 2,876 22 621 5 Gain to rating Increase Gain due to rate and volume increase Gross Financial Margin 2,876 3,9173,52422.5 Assets (-) Permanent * 163,072 204,076198,267 Spread Annualized 7.24 7.907.30 * average balance 21.6 2Q021Q032Q03 s/2Q02 Change.% R$millions ready to a new environment

6 assets quality preserved NPL /Total Credit Portfolio Overdue more than 15 days/Total Credit Portfolio Overdue more than 60 days/Total Credit Portfolio 5.6 6.2 6.0 5.6 5.3 5.5 5.8 5.9 5.5 5.1 3.5 3.3 3.03.2 2Q023Q024Q021Q032Q03 2Q021Q032Q03 Total Credit Portfolio57,03165,71568,662 Overdue Loans 3,2023,681 Overdue more than 15 days3,1263,631 Overdue more than 60 days1,9731,984 Write-offs 554528 Credit Recovery 171169 Losses Balance 383359 Losses Balance/Total Credit Portfolio - % 2.2 2.0 3,610 3,497 2,228 574 207 367 2.2 R$ millions % 593591 834 855 636 853 1.2% 1.1% 1.4% 1.0% 1.3% 0 1Q022Q023Q024Q021Q032Q03 0 0 0 0 NPL ExpensesExpenses Portfolio R$ millions Gross Financial Margin 2,876 3,9173,52422.5 2Q021Q032Q03 s/2Q02 Change.% Provision for NPL 591 636853 Net Financial Margin 2,285 3,2812,671 44.3 16.9 R$ millions

7 Asset Management 63.6 56.066.2 78.0 83.2 17.2 15.7 17.4 18.6 18.7 2Q023Q024Q021Q032Q03 Asset ManagementMarket Share %... customers fidelity and assets management leadership R$ billions Customers Base in Thousands 13.6 14.0 14.4 14.9 15.6 0.9 1.0 1.1 2Q023Q024Q021Q032Q03 CompaniesIndividuals 2Q021Q032Q03 Change. % s/ 2Q02 Service Fees1,1381,2181,34318.0 Customer Relationship Fees33038740222.0 Management of Investment Funds.200167183-8.6 Loan Operations 9511113744.4 Collection 10010712020.1 Services to Related Companies81879517.1 Credit Cards8810711531.2 Others 24525329118.8 Net Financial Margin 2,285 3,2812,67116.9 2Q021Q032Q03 s/2Q02 Change.% Service Fees 1,138 1,2181,343 Turnover Tax Expenses -152 -232-241 18.0 59.1 Contribution Margin 3,272 4,2673,773 15.3 R$ millions

8 Contribution Margin 3,272 4,2673,77315.3 2Q021Q03 2Q03 s/2Q02 Change.% Administrative Expenses -2,288 -2,709-2,466 Commercial Income 983 1,5581,307 7.8 32.9 Change.% 2Q021Q032Q03 s/ 2Q02 Personnel Expenses-1,324-1,509-1,48111.8 Salaries-799-818-8314.0 Social Charges and benefits-384-423-45919.6 Training-8-5-82.8 Labor claims-81-191-108 33.3 Others-53-72-7643.4 Other Adm. Expenses-964-1,200-9852,2 Administrative Expenses-2,288-2,709-2,4667.8 Midwest 1,43111.2 Northeast 3,08024.1 North 8907.0 Southeast 4,76937.4 South 2,58520.3 Total12,755 100.0 share % Municipalities Presence = 2,829 8.5 9.0 9.2 9.4 9.6 3.1 3.2 2Q023Q024Q021Q032Q03 BranchesOthers 11.6 12.2 12.3 12.5 12.8 Points of Service 78.0 78.679.5 10.810.6 9.510.310.2 2Q023Q024Q021Q032Q03 EmployeesInterns Human Resources in Thousands cost structure suitable with businesses generation R$ millions

9 productivity equation completed by technology Efficiency Ratio (%) (Administrative Expenses/Operating Income) 60.9 57.7 58.0 56.7 54.1 2Q023Q024Q02 1Q03 2Q03 Coverage Ratio (%) Service Income/Personnel Expenses 86.0 79.3 77.1 80.7 90.7 2Q023Q02 4Q02 1Q032Q03 82.5 82.4 84.1 84.6 85.0 Electronic Transactions / Total Transactions - % Jun/02Sep/02Dec/02Jan/03Mar/03 ATM CashierFinancial Manager Internet Others 53.8 52.5 17.5 15.0 14.0 15.0 8.0 11.1 6.7 6.4 jun/02 jun/03 Automatization

10 BB - the bank that invests more in Brazil 25.4 27.424.1 25.2 25.6 27.5 43.342.5 44.2 42.2 38.6 28.8 27.024.925.9 23.1 24.2 5.1 5.2 5.8 7.0 7.1 mar/02jun/02sep/02dec/02mar/03jun/03 Other AssetsTax Credit Credit Operations Liquidity Assets Assets Composition (%) 5.2 183 22.6 33.6 37.5 117.2 5.2 21.0 26.8 45.0 49.6 147.7 5.4 21.2 26.4 46.8 41.5 141.3 Interbank Deposits Demand Deposits Savings Deposits Time Deposits Open Market Funds Total jun/02mar/03 jun/03 Market Funding – R$ billions

11 Securities Portfolio significant changes on securities portfolio maturity 2Q021Q032Q03 R$ millions CostMark V.CostMark V.CostMark V. Available for Trading3,3363,3255,1205,1372,104 Available for Sale42,08240,37744,27043,35242,75242,515 Held to Maturity24,54222,03026,84624,41727,64025,974 Total69,96065,73276,23672,90672,49570,594 19.325.422.8 26.9 21.6 47.6 45.7 61.0 58.1 64.1 10.4 8.4 13,213,412,6 22.620.5 3.0 1.7 2Q023Q024Q021Q032Q03 Up to 1 year 5 to 1 years 10 to 5 years Up to 10 years Maturity - %

12 Jan/28Mar/17Mar/19Apr/25 Global Medium Term Notes 6.375% a.a. 2 years US$ 75 MM US$ 120 MM MT-100 7.26% a.a. 7 years Global Medium Term Notes 6.25% a.a. 1 year US$ 100 MM 07/ Jul 02/Jul US$ 689 millions* funded in 2003 € 150 MM Global Medium Term Notes 4.5% a.s. 1 year US$ 223 MM VISANET Securitization of receivable flows investors confidence... US$ 35 MM Bladex 1 year Loan * Without Bladex Loan

13 well balanced credit portfolio Credit Portfolio Profile Jun/02 - R$ 57.0 billions - R$ 68.7 billions Jun/03 Retail Commercial Agribusiness International Abroad Others 20.8% 21.8% 31.3% 11.0% 12.3% 2.8% 21.4% 23.9% 22.9% 12.6% 16.8% 2.3%

14 Retail Portfolio Highlights R$ billions strong position in retail portfolio Consumer Credit jun/02 sep/02dec/02mar/03jun/03 6.9 7.2 2.0 2.3 1.4 2.1 Overdraft AccountsWorking Capital Credit Card operations increased 59.6%, reaching R$ 1.5 billion. Retail Portfolio increased 17.2%, to R$ 14.3 billions from R$ 12.2 billions (jun/03 - jun/02)

15 Products for Companies R$ billions... at all times with companies Receivables BB Guaranteed account Investment 5.8 7.0 2.0 2.1 2.6 2.7 jun/02sep/02dec/02mar/03jun/03 Receivables are responsable for 47% of companies operations. Portfolio for companies increased 10.3%, to R$ 15.0 billions from R$ 13.6 billions (jun/03 - jun/02).

16 Agribusiness Products R$ billions jun/02sep/02dec/02mar/03 jun/03 2.4 3.0 3.1 5.2 2.3 5.4 MCR 6,2Saving Proger/ Pronaf BB contributes to brazilian agribusiness growth Leadership in brazilian agribusiness. Market share: 65%. Rural portfolio increased 64.6% from R$ 13.1 billions to R$ 21.5 billions (jun/02 - jun/03)

17 5.7 6.8 1.5 0.6 ACC (Pre-shipment export financing) Import Financing jun/02sep/02dec/02mar/03jun/03 foreign trade becomes stronger Foreign Exchange Products R$ billions Leadership in Foreing Exchange - export operations Market share: 29.6% Foreing Exchange Portfolio increased to R$ 7.6 billions from R$ 7.2 billions (jun/03 - jun/02)

18 82.2 6.7 11.1 81.5 14.7 3.8 88.2 87.8 9.0 10.3 2.7 1.8 Retail Commercial Agribusiness International BBNFS 85.3 76.3 9.7 15.1 5.0 8.7 E, F, G e H C e DAA, A e B Credit Portfolios by Risk Level Participation % - jun/03 evolution with responsibility...

19 ... in a conservative way Non Performing Loans R$ millions 3,374 517 3,124 3,142 2,852 2,661 2,712 449 469364 317 170 2,882 2,978 3,368 3,506 3,5933,823 1Q/022Q/023Q/024Q/021Q/032Q/03 Minimun ProvisionAdditional ProvisionTotal Provision

20 ability to increase businesses with customers 9.3 7.8 7.4 8.4 9.3 9.7 13.8 13.4 12.2 10.9 11.6 13.1 1Q/022Q/023Q/024Q/021Q/032Q/03 Level I Level II 11.0 2Q021Q032Q03 Risk weighted assets95,374104,043105,974 PLE11,17911,94112,350 Required s/ weighted assets10,49111,44511,657 Required s/ Swap114154166 Required s/exchange exp000 Required.s/ Interest rate exp573343528 Required Shareholders’ Equity11,78014,54515,479 Level I7,94910,13910,847 Social Capital and other items9,62010,76211,041 Adjustment do market value-1,670-623-194 Level II3,8304,4064,632 Shareholders’ Equity surplus/deficit6012.6043.128 Laverage surplus / deficit5,46823,67428,439 K Coefficient%11.6 13.4 13.8 BIS Ratio -% Capital Adequacy R$ millions

21 commitment with transparency Meetings with analists August 25th - APIMEC Centro Oeste, in Brasília (DF) begin: 06h00 pm (Brazilian time) September 03th - ABAMEC Rio de Janeiro (RJ) begin: 05h00 pm (Brazilian time) September 04th - APIMEC São Paulo (SP) begin: 04h00 (Brazilian time)

22 Investor Relations Division SBS - Quadra 1 - Bloco C - Ed. Sede III - 17° andar 70073-901 - Brasília (DF) Phone: (61) 310.5920 Fax: (61) 310.3735 www.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, 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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