1 Banco do Brasil 1Q09. 2 Economic Environment Selic Interest Rate IPCA - Price Index Ratio - % 1Q09 11.3 5.6 2008 13.8 5.9 2007 11.3 4.5 2006 13.3 3.1.

Slides:



Advertisements
Similar presentations
1 Banco do Brasil 1Q10. 2 Disclaimer The tables and charts in this presentation show the financial numbers, rounded, in R$ millions. The columns of variation.
Advertisements

FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
Semana de Moçambique em Portugal Millennium bim Business review and development plans June 20, 2007.
Banco Itaú Holding Financeira S.A. YE 2003 Results February 19, :00 p.m. Alfredo Egydio Setubal Investor Relations Director Silvio de Carvalho.
Banco Itaú Holding Financeira S.A. Alfredo Setubal Investor Relations Director October 4-6, 2004 Presentation to: 9 th Annual JPMorgan Asia Pacific / GEM.
FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
Investor Relations | page 1 Unibanco and Unibanco Holdings, S.A. Consolidated Results 3 rd Quarter 2005 November 11, 2005 Investor Relations.
1 GFNORTE 1Q09 Results Conference Call April 30, 2009.
1 Investor Relations Banco do Brasil 3Q06 Results Banco do Brasil 3Q06 Results Investor Relations.
1 Investor Relations Banco do Brasil 2Q06 Results Banco do Brasil 2Q06 Results Investor Relations.
1 Banco do Brasil 4Q08. 2 Economic Environment Selic Interest Rate Ratio - % IPCA - Price Index
CONFERENCE CALL FIRST QUARTER May 12, 2000 Available at our site
1 Conference Call First Quarter of 2001 Banco Itaú S.A.
1 GFNORTE: 4Q07 Results February, Q07 Overview. 2.Asset Quality. 3.Stock Metrics. 4.Final Considerations. Contents.
1 Banco do Brasil 2004 Investor Relations BANCO DO BRASIL 2004 Results Conference Call with Analysts.
1 GFNORTE: 4Q07 Results February, Q07 Overview. 2.Asset Quality. 3.Stock Metrics. 4.Final Considerations. Contents.
80 years of innovation. 1 Conference Call November 12, 2004 Consolidated Results 3 rd Quarter 2004.
1 Banco do Brasil 1Q07 Results Banco do Brasil 1Q07 Results.
1 Brazil 2009 Tenth Annual CEO Conference. 2 We create value to our shareholders... 1 Consolidated Recurring ROE % Net ROE % Recurring Net Income Net.
FIBI FIRST INTERNATIONAL BANK OF ISRAEL O verview
1 Banco do Brasil S.A. 2H07. 2 Economic Environment Interest Rate - SelicPrice Index - IPCA Ratio - % Source: Central Bank and Brazilian Institute of.
Results of «Ak Bars» Bank Group in according with IFRS FY’2012.
1 GFNorte’s 2Q08 Results Conference Call July 25, 2008.
1 Banco do Brasil 4Q07 Results. 2 Net Income Recurring Net Income – R$ million Net Income – R$ million ROE - % Recurring ROE - % 3Q074Q061Q072Q
Investor Relations | 1 Unibanco and Unibanco Holdings, S.A.
1 Banco do Brasil 2006 Results Banco do Brasil 2006 Results.
O tempo todo com o Brasil 4Q03 Earnings. Highlights Largest Bank in Brazil in Total Assets Leadership in Assets Under Management Leadership in Credit.
1 Conference Call 2006 Results February 14, 2007.
Conference Call about the Results of 3 rd Quarter of 2005 November 1, 2005.
Conference Call Results of 2 nd Quarter of 2005 August 3, 2005.
0 Conference Call about the Results of 2 nd Quarter 2003 Banco Itaú Holding Financeira S.A. August 6 th, 2003.
Investor Relations BANCO DO BRASIL 3Q05 Results.
Cross Section of the Financial Sector Developments in Bosnia and Herzegovina Radomir Božić. Ph.D. Sarajevo. October Fifth SASE International Conference.
CONFERENCE CALL THIRD QUARTER OF 2000 CONFERENCE CALL THIRD QUARTER OF 2000 October 25, :00 a.m.
1 Banco do Brasil 2Q07 Results Banco do Brasil 2Q07 Results.
2Q03 Earnings Banco do Brasil Credit operations, Leasing operations and other credits, according Res. 2682/ Demand, Time, Savings and Interbank.
1 GFNorte’s 1Q08 Results Conference Call April 25, 2008.
1 Banco do Brasil S.A. 3Q07. 2 Economic Environment Interest Rate - SelicPrice Index - IPCA Ratio - % Source: Central Bank and Brazilian Institute of.
1 GFNorte’s 4Q07 Results Conference Call February 1, 2008.
1 GFNORTE 2Q09 Results Conference Call July 24, 2009.
1 Investor Relations Banco do Brasil 1Q06 Results Banco do Brasil 1Q06 Results.
1 Unibanco´s Consolidated Results for the Period Ended June 30, 2000 Conference Call - August 15, 2000.
Investor Relations 1 BANCO DO BRASIL 4Q05 Results.
BANCO ITAÚ S.A. CONFERENCE CALL FOURTH QUARTER OF 2000.
Financial Results Net Income R$ million ,205 1H012H011H022H02 1,082 2,
11 GFNORTE November Yearly Recap Net Income Net Interest Margin ROA ROE Book Value Past Due Loan Ratio MILLION PESOS 3Q083Q07 1,740 15% 2,007.
Conference Call 1Q05 | 1 Consolidated Results 1 st Quarter 2005 Conference Call May 13, 2005 Investor Relations
1 GFNORTE 3Q08 Results Conference Call October 24, 2008.
Net Interest Margin Provision for Loan Losses Banking Service Fees Administrative Expenses Extraordinary Result Others Statements of Income R$
Conference Call about the Results of 3 rd Quarter 2003 Banco Itaú Holding Financeira S.A. November 5 th, 2003.
Itaucred 1 Conference Call of the Results of the 3rd Quarter/2007 November 07, 2007.
Investor Relations 1 BANCO DO BRASIL 1Q05 Results.
1 Banco do Brasil S.A. 1Q07. 2 Economic Environment Interest Rate - SelicPrice Index - IPCA Ratio - % Source: Central Bank and Brazilian Institute of.
1 GFNORTE: 1Q07 Results May Q07 Overview. 2.Stock Metrics. Contents.
1 June, 2008 GFNORTE: 1Q08 Results. 2 1.Recent Performance. 2.Asset Quality & Capitalization. 3.Final Considerations. Contents.
Conference Call about the results of 2004 Roberto Egydio Setubal CEO February 23, 2005.
Third Quarter 2001 Financial Results October 17, 2001.
1 How to Sustain Stability July 2002 Banco Central do Brasil Ilan Goldfajn.
Conference Call 2Q05 | 1 Investor Relations Consolidated Results 2 nd Quarter 2005 Conference Call August 12, 2005.
1 GFNORTE August, Financial Performance. 2.Asset Quality. 3.Balance Sheet Management. 4.Final Considerations.
1 3Q04 Earnings. 2 highlights Total Assets - Largest Bank in Brazil Leadership in Assets Under Management Leadership in loan Portfolio Leadership in Total.
GFNorte: 4Q05 Results February-2006.
Unibanco´s Consolidated Results for the Period Ended
GFNorte´s 3Q07 Results Conference Call October 26, 2007.
3Q03 Earnings.
Consolidated Results 1st Half 2004 Conference Call August 13, 2004.
The Banking Sector in Turkey
Banco do Brasil 3Q07 Results.
Presentation transcript:

1 Banco do Brasil 1Q09

2 Economic Environment Selic Interest Rate IPCA - Price Index Ratio - % 1Q

3 Economic Environment International Reserves Volume Sovereign Risk - basis points Trade Balance US$ billion Q

4 Banking Industry Businesses Individuals Loan / GDP - % Loan Segments - Free Resources % Source: Brazilian Central Bank Q

5 Others Vehicles Payroll Loan Credit Cards / Overdraft Account Individual Loan Segments¹ - % Loan Segments ¹ Referential Credito to Tax Rate Source: Brazilian Central Bank Q

6 Board of Officers Internal Audit Board of Directors Shareholders General Meeting Board of Auditors Foreign Trade Wholesale International Security Management Executive Secretariat Strategy and Organization Marketing and Communication Legal Internal Controls Directorships Units Cards New Retail Business Insurance. Pension and Capitalization High Income Retail Micro and Small Enterprises Agribusiness Operational Support Logistics Government Employee Relations and Social Env. Resp. Finance Human Resources Controlling Credit Risk Management Pension Fund Management Capital Markets and Investment Investor Relations Accounting Reestructuring of Operational Assets Audit Committee Distribution and Retail Channels CEO VP of International Business and Wholesale VP of Cards and New Retail Business VP of Technology and Logistics Software Development VP of Human Resources and Social Environmentall Responsability VP of Credit. Controlling and Risk Management IT Infraestructure Technology VP of Finance. Capital Markets and IR VP of Government VP of Agribusiness VP of Retail and Distribution Low Income

7 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 % Total BAMB - 51% ON 25.50% 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 31.63% ON 31.63% Total Securities Group ITAPEBI BB-BI 19% ON 19% Total BRASILCAP BB-BI 49.99% ON 49.99% Total KEPLER WEBER BB-BI 18.94% ON 17.65% Total BBDTVM % ON % Total VISA VALE BB BI 35% ON 40.35% Total PRONOR BB 1.77% PN 1.05% Total BB-BI 5.51% PN 3.27% Total BBDTVM 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 11.99% Total TECBAN BB BI 8.96% ON 8.96% Total B CADAM BB 56.19% PN 21.64% Total Non-Strategic Participation MANAGED BB PREVIDÊNCIA Closed Private Pension Entity SPONSORED CASSI PREVI FBB Other Participation RELATED COMPANIES / PARTICIPATION B B B I C O N T R O LLED BANCO POPULAR DO BRASIL BB -100% ON 100% Total FOUNDATION Multiple Bank National Treasury % Previ % BNDESPAR 2.49 % Individuals 5.78 % Businesses 5.36 % Foreign Capital % Shares in Treasury 0.04 % ALIANÇA DO BRASIL BBBI - 100%ON 100% Total

8 National Treasure PREVI BNDESPar Foreign Investors Others Participation Ownership Structure Free Float - % 65.6% 10.2% 2.5% 10.6% 11.1% Free float: 21.7% Q09

9 Price / Book Value Price / Earnings Share’s Performance Q Q09

10 Share’s Performance Earnings / Share – R$ Dividends and Interest on Own Capital / Share – R$ Q Q09

11 Share’s Performance 85.2% 56.2% 140.6% 77.3% Ibovespa Banco do Brasil BradescoItaú dec/04dec/05dec/06dec/07dec/08mar/09

12 Profitability Net Income - R$ billion ROE - % Market Capitalization - R$ billion Dividends and Interest on Own Capital - R$ million Q Q Q Q09 1,498 2,418 2,023 3,

13 Shareholder’s Equity - R$ billion Capital Structure Basel Tier ITier II Q Q09

14 Market Share % Assets² - R$ billion Assets (¹) Until Dec/08 - Source: Brazilian Central Bank(²) Economic-Financial Consolidated Q09 2 CAGR: 29.9% 15.1%14.8% 14.3% 18.1% 20.5% 1

15 Money Market Borrowing Demand Deposits Saving Deposits Others Market Share - % R$ billion Time Deposits Funding (¹) Until Dec/08 - Source: SFN CAGR (%): % 19.6% 19.8% 21.7% 24.7% Q09

Saving Deposits Time Deposits Judicial Deposits Total Deposits Money Market Borrowing Total Funding Funding Cost - as % of Selic Funding 68.04% 83.87% 46.76% 67.08% % 77.91%

17 Individuals Businesses Agribusiness Abroad Loan Portfolio R$ billion Market Share* - % (*)Sep/08 - Domestic Portfolio CAGR (%): Q

18 Others Payroll Loans Overdraft Account Credit Card Vehicle Loans Consumer Finance R$ billion Q CAGR (%):

19 SMEMiddle and Corporate Enterprises Credit to Businesses R$ billion CAGR (%): Q

20 BusinessesIndividuals Credit to Agribusiness R$ billion CAGR (%): Q09

21 Provision Expenses - R$ billion Provision Expenses/Loan Portfolio¹ - % Credit Risk (1) Average Loan Portfolio and Expenses in the last 12 months Q

22 Additional + Required Provision / Loan Portfolio - %Required Provision / Loan Portfolio - % Past Due Loans + 90 days / Loan Porfolio - % Losses¹ / Loan Portfolio - % Credit Risk (1) Net of Recovery Q09

23 Net Interest Income Loan Revenues Other Interest Revenues Net Interest Income Q Q R$ billion

24 NIM (1) Annualized Net Interest Income over Earning Assets Agribusiness Individuals Businesses Selic - % NIM¹ - % Annualized NIM by Loan Portfolio - % Q Q09

25 Productivity Administrative Expenses¹Operating Income¹ Cost/Income Ratio without one-off Itens - % (1) without one-off itens R$ billion Q081Q

26 Productivity Administrative Expenses¹Fee Income¹ Coverage Ratio without one-off Itens - % (1) without one-off itens R$ billion Q Q09

27 Credit and Debit Cards Debit Cards Issued - million Revenues – R$ billion Credit Cards Issued - million CAGR (%): Q081Q

28 Structure IndividualsBusinesses Checking Accounts - million Employees - thousand Q ,823, ,024, ,025, ,728, Q ,532, CAGR (%):

29 Structure OthersBranches Points of Service - thousand Transaction in Automated Channels - % Q Q09

30 Retail 995 Wholesale 7 Government 9 High Income 10 Retail Wholesale 46 Government 5 High Income 47 Retail Wholesale 22 Government 3 High Income 9 Retail 391 Wholesale 5 Government 5 High Income 10 Retail 239 Wholesale 2 Government 7 High Income 2 5.7% 9.4% 23.9% 35.6% 25.4% Structure Distribution Network by Customer Northeast North Midwest South Southeast

31 ATM Internet Individuals Cash POS Others Internet BusinessesStructure Transactions per Channels - % Internet Banking – million of customers Q Q09 1Q08

32 Client Profile Retail Wholesale Government Institutional Investors Foreign Investors Investment Profile Fixed Income 51.6% Multi-strategy 17.4% Equities 17.4% Others 13.6% R$ billion Asset Management Q09 CAGR: 17.5% 23.1% 9.3% 21.9% 40.6% 5.0%

33 Insurance - Added Value R$ million , ,511 1Q Q09 1, CAGR: 17.7%

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