Financial Results 2002. Net Income R$ million 304 778 823 1,205 1H012H011H022H02 1,082 2,028 20012002.

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Presentation transcript:

Financial Results 2002

Net Income R$ million ,205 1H012H011H022H02 1,082 2,

Net Income R$ million Q012Q013Q014Q011Q022Q023Q024Q02

Jan-Mar/02Jan-Jun/02Jan-Sept/ Return on Equity Annualized (%) 15%*

Chg, % ,8668, ,7604, ,575-5, ,586-4, , ,3703, ,4493, , ,0822, Income Statement Corporate Legislation - R$ million Year Flow Gross Result from Fin, Brokerage Service Income Personnel Expenses Other Administrative Expenses Other Operating Items Operating Income Non-Operating Income Income Before Taxes Income Tax and Social Contribution Statutory Profit Sharing Net Income

8,747 Dec/01Dec/02Chg.% 165,120204, ,36490, ,29851, ,458 62, ,120204, ,43697, ,83124, ,24226, ,2203, ,14242, ,75348, ,18449, , Balance Sheet R$ million Assets Liquidity Assets Loan and Leasing Operations Other Assets Liabilities Deposits Savings Deposits Interbank Deposits Time Deposits Open Market Funds Other Liabilities Shareholders’ Equity Demand Deposits

Dec/01Mar/02Jun/02Sept/02Dec/ Dec/01Mar/02Jun/02Sept/02Dec/02 Asset Management R$ billion Customer Base million

Coverage Ratio - Accumulated (%) (Service Income /Personnel Expenses)

Points of Service 5,015 5,185 5,483 5,675 5,773 3,453 3,460 3,485 3,545 3, T022T023T OthersBranches

7.2% 24.2% 11.4% 37.0% 20.2% Variation % RegionDec/01 to Dec/02 Southeast13.8 Others8.6 Brazil10.5 Distribution Network

32,287 32,810 32,936 33,002 33,645 Dec/01Mar/02Jun/02Sept/02Dec/02 Automated Teller Machines - ATMs

Cost/Income Ratio - Accumulated (%) (Administrative Expenses/Operating Income)

Jun/02Part, %Sept/02Part, %Dec/02Part, % 3, , , , , , , , , Total68, ,0 75,770100,0 70,943100,0 Securities Portfolio R$ millions Available for Trading Available for Sale Held to Maturity Derivatives Balance 87.6% until 30from 31 to 180from 181 to 360over % 6.4% 8.5% 10.6% 7.6% 2.4% 77.2% 5.4% 2.2% 15.2% Dec/02Dec/01Sept/02

Credit Portfolio Profile (Multiple Bank Balances and Subsidiaries in the Country) Commercial 26,6% Others 3,3% Retail 23,8% Agribusiness 31,9% Internacional 14,4% Commercial 29,4% Others 3,0% Internacional 14,6% Agribusiness 28,4% Retail 24,6%

Main Retail Operations R$ billions Dec/01Mar/02Jun/02Sep/02Dec/02 Consumer Credit Overdraft AccountWorking Capital

Main Wholesale Operations R$ billions Dec/01Mar/02Jun/02Sept/02Dec/02 ReceivablesInvestments Working Capital

Agribusinees Operations R$ billion 50.0%50.6% 50.5%51.3% 50.5% 49.5% 48.7% 49.5% 49.4% 50.0% dec/01mar/02june/02sept/02dec/02 DefrayalOthers

Credit Risk C and D 14.6% AA, A and B 76.9% E,F,G and H 8.5% C and D 9.7% AA, A and B 84.8% E,F,G and H 5.5% BB SFN

Credit Risk R$ million ,89463,051 3,6753, ,2062, ,0342, ,1581, Provisions / Credit Portfolio from risk C to H Provisions / Credit Portfolio from risk E to H 2,3942,897 2,1832,604 Total Credit Portfolio Non Performing Loans NPL / Total Credit Portfolio - % NPL more than 60 days NPL more than 60 days / Total Credit Portfolio- % Write offs Credit Recovery Losses Balance Losses Balance / Total Credit Portfolio - % Provisions / Total Credit Portfolio - % Provisions / NPL more than 60 days - %

Market Funding R$ billion Interbank Deposits Demand Deposits Savings Deposits Time Deposits Open Market Funds Total Dec/01Sept/02Dec/02

Capital Adequacy R$ millions Dec/01Sept/02Dec/02 88,826107,797103,859 10,47112,47212,024 12,06212,38913,377 1, ,353 14, , Risk weighted assets Required Shareholders’ equity Referential Equity Leverage surplus/deficit K coefficient % Shareholders’ equity surplus/deficit Balances

Dec/01Sept/02Dec/02 Referential Equity12,062 12,389 13,377 Tier I8,714 8,375 9,172 Capital7,435 Capital Reserves5 5 5 Revenue Reserves1,274 2,180 2,969 Detattached Account-(1,724) (1,111) Treasure Stocks-(126) Income Accounts Tier II3,348 4,014 4,205 Subordinated Debt3,314 3,979 4,180 Revaluation Reserves

13.1 Capital Adequacy Ratio- % Dec/01Mar/02Jun/02Sept/02Dec/02

Dec/01Mar/02Jun/02Sept/02Dec/02 Tax Credit R$ billion

1º in Assets - R$ billions; 1º in Asset Management - R$ 66.6 billions % market share; 1º in deposits - R$ 97.2 billions; Leader in FX - 22% market share; Largest Distribution Network in Brazil - 9,355 points of service; Largest customer base - 15,4 million customers. Highlights

Investor Relations Division SBS - Quadra 1 - Bloco C - Ed. Sede III - 17° andar Brasília (DF) Phone: Fax: