1 Banco do Brasil S.A. 1Q07. 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. 1Q07

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

Q07 Trade BalanceInternational Reserves Economic Environment Sovereign Risk – basis points Source: Agência Estado, Ministry of Development, Industry and Foreign Trade and Central Bank USD billions

4 Banking Industry Q07 BusinessesIndividuals Loan Segments – Free Resources % Loan / GDP - % Source: Central Bank

5 Loan Segments Q Individual Loan Segments - % Source: Central Bank Payroll Loan Credit Card / Overdraft Account Cars Others

6 Banco do Brasil Structure COBRA BB-99.36% ON 99.34% 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 % ON %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 VISA VALE BB BI 35% ON 37.47% Total PRONOR BB BI 0% ON 3.27% Total Strategic Partnerships Non-Strategic Partnerships BRASIL VEÍCULOS BB-BI 40% ON 70% Total NEOENERGIA BB-BI 7.67 ON 7.67 Total TECBAN BB BI 8.96% ON 8.96% Total CLEARINGS CIP - BB 9.80% BMF Câmbio BMF Ativos CBLC - BB 1.59% BMF Derivativos B Strategic Partnerships CADAM BB 0% ON 21.64% Total Non-Strategic Partnerships Banco do Brasil Other Partnerships Affiliated Companies B B B I Wholly Owned Subsidiaries BANCO POPULAR DO BRASIL BB -100% ON 100% Total

7 Organizational Structure Board of Officers Units Directorships Autonomous Departments Agribusiness Commercial Controlling Investor Relations Marketing and Communication Legal Distribution and Retail Channels Finance Executive Secretariat VP of Retail Service and Distribution VP of Rural Businesses and Government Affairs VP of Technology and Logistic VP of Credit, Controlling and Risk Management VP of Finance, Capital Market and Investor Relations Board of Directors General Shareholders Meeting CEO Board of Auditors Audit Committee Information Technology Micro and Small Businesses Employee Relation And Social-Env. Responsibility VP of Human Resources and Social-Enviro- nmental Responsibility Government Affairs Retail Services Capital Markets and Investments Technology Human Resources Credit Internal Controls Foreign TradeInternational Software Development Security Management Strategy and Organization Risk Management High Income Logistic Regional Sustainable Development VP of International Business and Wholesale Accounting Restructuring of Operational Assets Internal Audit Operational Support Pension Fund Management

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

9 Share’s Performance Q07 Price / Book Value Q07 Price / Earnings

10 Share’s Performance Q07 Payout - % Q07¹ Dividend Yield - % (1) Dividend and Interest on Own Capital in the last 12 months

11 Share’s Performance mar/03mar/04mar/05mar/06mar/07 IbovespaBanco do Brasil 760.7% 306.4%

12 PerformancePerformance Net Income - R$ million ROE - % Market Capitalization - R$ billion Dividends / Interest on Capital - R$ million , , , ,044 1Q06 2,343 1,248 4Q06 1,409 1Q Q Q Q (1) Dividends and Interest on own capital of 2H06 862¹ 564

13 Capital Structure Shareholder’s Equity - R$ billionLevel 1 - % BIS Ratio -% Level 2 - % Q Q Q061Q

14 HighlightsHighlights Market Share² - % Loan Portfolio - R$ billion Market Share - % Assets - R$ billion Q06 1Q Q Q ¹ CAGR: 10.9% (2) Domestic Portfolio(1) As of December/2007 CAGR: 20.0%

15 HighlightsHighlights Market Share - % Assets Under Management - R$ billion Market Share - % Deposits - R$ billion Q Q Q Q ¹ CAGR: 12.4% (1) As of December/2007 CAGR: 21.5%

16 Customers - million HighlightsHighlights BusinessesIndividuals Employees - thousand Q Q Q Q CAGR: 8.7% 8.4%

17 Infrastructure and Technology Distribution Network Northeast Branches 994 Others2,881 Total 3,875 Branches 1,538 Others 3,920 Total 5,458 Branches 810 Others 2,111 Total 2,921 Branches 390 Others1.332 Total 1,722 Branches 242 Others 915 Total 1,157 North Midwest South Southeast 7.6% 11.4% 25.6% 36.1% 19.3%

18 Infrastructure and Technology Branches Others Points of Service - thousand Automated Teller Machine (ATM) - thousand Q Q Q Q06

19 Infrastructure and Technology Transaction in Automated Channels - % ATM Internet Banking Cashier POS Others Breakdown of Transactions - % 1Q06 1Q Q Q

20 Administrative Expenses - R$ billionsOperational Income - R$ billions ProductivityProductivity Efficiency Ratio - % Q064Q061Q

21 Fee Income - R$ billionsPersonnel Expenses - R$ billions Coverage Ratio - % ProductivityProductivity Q064Q061Q

22 HighlightsHighlights R$ - millions Net Income3,024 4,154 6,044 2,343 1,248 1,409 Net Interest Income15,46416,70917,9804,4064,8554,852 Fee Income6,6077,6488,8872,1032,2872,377 Administrative Expenses12,56213,14313,7443,2373,6143,325 R$ - millions Assets239,014252,977296,356264,635321,898 Loan Portfolio88,554101,789133,157105,527140,387 Deposits115,531137,658158,841139,195160,663 Assets Under Management124,021153,508182,683169,151185,760 % ROE (Annualized) Efficiency Coverage BIS Ratio Q Q061Q Q061Q07 4Q061Q Q06

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

24 Loan Portfolio Q061Q07 IndividualsBusinessesAgribusiness Abroad R$ billions

25 DelinquencyDelinquency Allowance / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - % dec/03dec/04dec/05dec/06mar/07

26 Loan Portfolio - Individuals Q061Q07 Cars Payroll Loan Overdraft AccountCredit Cards Others R$ billions

27 Loan Portfolio - Businesses Q061Q Middle and Large EnterprisesSmall and Micro Enterprises R$ billions

28 Loan Portfolio - Agribusiness Mini-Sized Farmers Small-Sized Farmers Other Farmers Cooperative Q061Q R$ billions

29 RetailRetail Credit Card Revenue - R$ billions¹ Issued Credit Cards - millions (1) Debt cards included Q Q

30 InsuranceInsurance Managed Portfolio - R$ millions Insured Cars - thousand Car Insurance Q061Q

31 InsuranceInsurance Managed Portfolio - R$ millions Insured Lives - thousand Life Insurance Q061Q ,801 1,263 1,351 1,417 1,748 1,679

32 InsuranceInsurance Managed Portfolio - R$ millions Participants - thousand Pension Fund Q061Q07 5,586 7,781 9,659 12,473 10,193 13,195 1,825 1,178 1,365 1,576 1,756 1,613

33 InsuranceInsurance Managed Portfolio - R$ millions Quantity of Plans - thousand Capitalization (Annuity Plans) Q061Q07 2,060 2,264 2,875 2,788 2,854 2,813 2,817 2,661 2,792 2,949 1,653 2,899

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