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