1. 1 1 Banco do Brasil 3Q09

2. 2 2 Disclaimer This presentation may include references and statements, planned synergies, increasing estimates, projections of results and future strategy for Banco do Brasil, its Associated and Affiliated Companies and Subsidiaries. Although these references and statements reflect the managements belief, they also involve imprecision and high difficult risks to be foreseen, consequently, they may conduct to a different result than the one anticipated here. These expectations are highly dependent on market conditions, on Brazils economic and banking system performances, as well as on international market one. Banco do Brasil is not responsible for bringing up to date any estimate in this presentation.

3. 3 3 Price Index IPCA¹ - % 3.1 2006 4.5 2007 4.3 Sep/09 5.9 2008 5.7 2005 18.00 2005 13.25 2006 11.25 2007 13.75 2008 8.75 Sep/09 Interest Rate Selic² - % Total Payroll Index³ 2005200620072008Sep/09 (3) Base 100 Dec/2004 Source: IBGE Unemployment Index 4 - % 9.9 2005 10.0 2006 9.3 2007 7.9 2008 8.1 Sep/09 (4) 12 months average Source: IBGE 108.2 115.2 120.8 128.8 131.4 (1) 12 months Source: IBGE (2) End of Period Source: Brazilian Central Bank Economic Environment

4. 4 4 2005200620072008Sep/09 Banking Industry Loan Portfolio - R$ trillion Banking Industry Loan Operations¹ - R$ trillion 2005200620072008Sep/09 Credit RiskConsumer Loans³ - R$ billion 2005 2006200720082009² 20082007 Allowance / Loan Portfolio - % Sep/092006 Loan/GDP - % 28.1 30.2 34.2 41.3 45.7 0.6 0.7 0.9 1.2 1.3 0.4 0.6 0.8 0.2 0.3 0.4 0.5 Public Private MortgagePayrollVehicles Past Due Loan +90 days / Loan Portfolio - % IndividualsBusinesses 0.4 0.5 0.6 0.9 1.0 1.2 1.1 (2) Projection made over 9- month volume 59.1 29.1 31.7 77.4 35.7 48.1 111.6 45.8 64.7 139.1 63.3 78.9 153.9 111.1 100.5 6.4 6.2 5.5 5.3 7.2 3.7 3.2 4.4 (1) Loan as Reference for Interest Rate (3) Free Resources Source: Central Bank Economic Environment

5. 5 5 Board of Officers Internal Audit Board of Directors Shareholders General Meeting Board of Auditors Directorships Audit Commitee CEO VP of International Business and Wholesale Foreign Trade Wholesale Internationall VP of Cards and New Retail Business VP of Retail and Distribution VP of Agribusiness VP of Government VP of Finance, Capital Markets and IR VP of Technology and Logistics VP of Human Resources and Social Environmental Responsability VP of Credit, Controlling and Risk Management Cards Consumer Lending and Finance Insurance, Pension and Capitalization Distribution and Retail Channels High Income AgribusinessGovernment Pension Fund Management Finance Capital Markets and Investment Investor Relations Logistics Technology Software Development IT Infrastructure Operational Support Human Resources Employee Relations and Sponsored Companies Controlling Credit Risk Management Restructuring of Operational Assets Accounting Internal Controls Strategy and Organization Security Management Legal Marketing and Communication Executive Secretariat Units SME Retail Chanel Sustainable Development

6. 6 6 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 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 74,50 % Total BAMB - 51% ON 25,50% Total ITAPEBI BB-BI 19% ON 19% Total KEPLER WEBER BB-BI 18,94% ON 17,65% Total BBDTVM 0,0245% ON 0,0228% Total PRONOR BB 1,77% PN 1,05% Total BB-BI 5,51% PN 3,27% Total BBDTVM 29,51% ON 12,02% Total NEOENERGIA BB-BI 8,81% ON 11,99% Total BANCO DO BRASIL MANAGED BB PREVIDÊNCIA Entidade Fechada de Previdência Privada SPONSORED CASSI PREVI FBB CONTROLLED BANCO POPULAR DO BRASIL BB -100% ON 100% Total F OUNDATION BANCO VOTORANTIM BB 49,99% ON 50% Total BESCVAL BESCREDI BESCLEASING BB -100% ON 100% Total BB BI BB - 100% ON 100% Total BRASILPREV BB Seguro 49,99% ON 49,99% Total BRASILSAÚDE BB Seguros 49,99% ON 49,99% Total BRASILCAP BB Seguros 49,99% ON 49,99% Total BRASIL VEÍCULOS BB Seguros 40% ON 70% Total Strategic Participation Grupo Seguridade Non-Strategic Participation BB ALIANÇA PARTICIPAÇÕES BB - 100%ON 100% Total BB SEGUROS PARTICIPAÇÕES BB SEGUROS PARTICIPAÇÕES BB – 100% ON 100%Total CADAM BB 56,19% PN 21,64% Total Non-Strategic Participation Strategic Participation RELATED COMPANIES / PARTICIPATION Strategic Participation MAPFRE NOSSA CAIXA BNC 49% ON 49% Total NOSSA CAIXA ADM. DE CARTÕES BNC 100% ON 100% Total CIBRASEC BB-BI 9,09% ON 9,09% Total VISANET BB BI 31,63% ON 31,63% Total VISA VALE BB BI 35,00% ON 40,35% Total TECBAN BB BI 8,96% ON 8,96% Total Other Participation Strategic Participation SBCE BB-BI 12,088% ON 12,088% Total Aliança do Brasil 100% ON 100% Total BB BI BB ALIANÇA PARTICIPAÇÕES BANCO NOSSA CAIXA BANCO NOSSA CAIXA BB –99,32% ON 99,32% Total

7. 7 7 National Treasure PREVI BNDESPar Foreign Investors Others Participation Ownership Structure Free Float - % 65.4% 10.4% 2.5% 11.7% 10.1% Free float: 21.8% 6.9 2005 3.5 3.4 14.8 2006 7.6 7.2 21.7 2007 11.7 10.0 21.5 2008 11.3 10.2 21.8 10.1 11.7 Sep/09

8. 8 8 Price / Earnings Shares Performance Price / Book Value 2.0 2005 2.5 2006 3.1 2007 1.4 20083Q09 8.1 2005 8.7 2006 14.9 2007 4.3 2008 9.0 3Q09 Earnings / Share – R$ 1.7 2005 2.4 2006 2.0 2007 3.4 2008 0.8 3Q09 Dividends and Interest on Own Capital / Share – R$ 0.6 2005 1.0 2006 0.8 2007 1.4 2008 0.3 3Q09 2.4

9. 9 9 Ibovespa Banco do Brasil BradescoItaú Shares Performance 269.8% 139.2% 270.3% 177.3% dec/04dec/05dec/06dec/07dec/08sep/09

10. 10 Profitability 2005200620072008 4.2 2005 6.0 2006 5.1 2007 8.8 2008 5.9 9M08Sep/08Sep/09 6.0 9M09 26.8 32.1 22.5 32.5 31.0 25.9 33.7 52.8 75.3 37.7 58.4 80.2 1.5 2.4 2.0 3.5 2.3 2.4 Net Income - R$ billion ROE - % Market Capitalization - R$ billion Dividends and Interest on Own Capital - R$ billion

11. 11 Shareholders Equity - R$ billion Capital Structure Basel Tier IITier I 16.8 2005 20.8 2006 24.3 2007 29.9 2008 33.7 3Q09 17.1 11.7 5.4 2005 17.3 11.7 5.6 2006 15.6 10.7 4.9 2007 15.2 10.9 4.3 2008 13.0 3Q09 9.1 3.9

12. 12 253.0 2005 296.4 2006 367.2 2007 521.3 2008 685.7 Sep/09 Market Share¹ % Assets ² - R$ billion Assets 2 Including BV and Nossa Caixa 1 Position of Jun/09 Source: Brazilian Central Bank - Consolidado Bancário I and II, without BNDES CAGR: 30.5% 19.7 17.6 16.1 16.8 17.3

13. 13 Money Market Borrowing Demand Deposits Saving Deposits Others 168.2 208.1 260.6 362.0 Market Share¹ - % R$ billion Time Deposits CAGR (%): 25.0 16.9 23.4 9.4 53.9 34.8 Funding 1 Posição do SFN de Jun/09 63.5 30.5 32.8 35.8 5.5 2005 76.9 49.3 36.7 40.1 5.2 2006 85.5 72.3 51.3 5.6 45.8 2007 149.6 91.1 55.0 51.9 14.3 20083Q09 18.9 19.3 19.5 21.4 23.6 194.7 153.6 50.1 72.2 9.9 480.6

14. 14 127.6 194.7 327.0 412.4 480.6 310.8 Sep/08Jun/09Sep/09Sep/08Jun/09Sep/09 Sep/08Jun/09 69.0 Sep/09Sep/08Jun/09 185.1 Sep/09 Total Funding Savings Deposits Total Deposits Time Deposits Balance – R$ billionCost - % Selic = 52.5% = 37.1% = 42.3% = 52.6% 315.1 229.8 72.2 52.7 64.4 66.3 71.3 81.3 76.3 81.2 69.7 71.1 73.9 60.9 62.4 66.1 Funding

15. 15 Individuals Businesses Agribusiness Abroad Loan Portfolio CAGR (%): 31.7 13.5 18.8 34.5 50.8 R$ billion Market Share¹ - % 1 Domestic Portfolio 101.8 18.4 38.5 35.7 9.2 2005 133.2 24.0 51.9 45.1 12.2 2006 160.7 32.0 65.5 51.9 11.4 2007 224.8 48.8 97.2 63.7 15.1 2008 285.5 Sep/09 85.7 117.0 68.1 14.8 16.5 15.3 16.0 17.1 20.1

16. 16 Others Payroll Loans² Overdraft Account Credit Cards Vehicle Loans¹ Consumer Finance R$ billion 9.7 3.8 2.5 2.2 0.2 2005 18.4 9.5 8.3 3.1 2.2 0.9 2006 24.0 11.0 11.9 3.8 2.3 3.0 2007 32.0 14.4 17.6 7.6 2.5 6.7 2008 48.8 3Q09 85.7 CAGR (%): 50.7 238.2 7.6 36.4 79.4 21.8 Mortgage 20.3 34.0 8.0 19.3 1.3 2.9 1 Including BV 2 Including BNC

17. 17 75.8 41.2 SMEMiddle and Corporate Enterprises Credit to Businesses R$ billion CAGR (%): 30.1 30.0 37.3 62.3 34.9 2008 97.2 40.9 24.6 2007 65.5 33.6 18.3 2006 51.9 23.1 15.4 2005 38.5 3Q09 103.4

18. 18 BusinessesIndividuals Credit to Agribusiness R$ billion CAGR (%): 18.7 43.4 12.6 35.8 30.5 5,3 2005 45.1 36.6 8.5 2006 51.9 40.2 11.7 2007 63.7 45.2 18.5 2008 68.1 47.6 20.5 3Q09

19. 19 38.4% 61.6% Without insurance With insurance Reinsurance% IRB24 SCOR15 SWISS RE15 PARTNER RE15 MÜNCHENER RÜCK 10 OTHERS7 Total 90 Working Capital 64.3% 63.5% 74.6% 39.8% 74.9% 08/09 Crop R$ 15.5 billion R$ millionTotalInsured% Insured North 32.2 20.7 64.3% Northeast 109.2 69.3 63.5% Mid-West 929.4 693.2 74.6% Southeast 1,258.2 500.8 39.8% South 3,326.2 2,489.8 74.9% Total5,655.2 3,773.8 66.7% Working Capital MAPFRE RE4 *until September/2009 R$ 5.6 billion 09/10* Crop 33.3%66.7% Crop Insurance Breakdown - % Agribusiness

20. 20 20052006200720083Q09 Required and Additional Provision / Loan Portfolio - % Past Due Loans + 90 days / Loan Portfolio - % Annualized Net Loss³ / Loan Portfolio - % 6.6 6.5 6.4 6.1 6.7 3.4 2.7 2.4 3.6 2.0 1.1 1.4 2.4 2.5 2.9 Provision Charges² - R$ million 20052006200720083Q09 4,527 5,743 5,378 6,800 8,679 4.7 5.0 3.7 3.6 4.7 Provision charges / Loan Portfolio¹ - % Credit Risk (1) Average Loan Portfolio and 12 months expenses (2) Without one-off items (3) Net of credit recovery

21. 21 Net Interest Income Loan Revenues Other Interest Revenues R$ billion Net Interest Income 19.2 14.4 2005 33.6 21.6 15.1 2006 36.7 25.3 14.7 2007 40.0 34.5 23.9 2008 58.4 9M08 38.1 9M09 47.3 23.5 29.7 14.6 17.7 16.8 18.1 20.8 24.1 11.4 15.5

22. 22 Agribusinesses - % Individuals - % Businesses - % 8.4 8.1 6.9 6.7 7.2 30.1 28.7 25.4 21.0 19.8 20052006200720089M09 8.68.17.67.16.8 19.0 15.1 11.8 12.5 10.4 45.1 53.7 64.0 56.9 65.2 20052006200720089M09 Global¹ - % Cumulative Selic² - % Global Spread¹ / Cumulative Selic² - % NIM by ProductNIM vs. Selic 6.0 5.5 6.3 5.1 5.3 Spread (1) Net Interest Income over Earning Assets (2) Annualized

23. 23 Productivity Administrative Expenses¹Operating Income¹ Cost / Income Ratio without one-off items - % R$ billion (1) without one-off items 2005 13.1 27.3 2006 13.7 28.9 2007 14.3 30.9 2008 15.4 34.0 9M089M09 11.5 14.2 25.2 33.1 43.0 45.7 45.3 46.2 47.5 48.1

24. 24 Productivity Administrative Expenses¹Fee Income Coverage Ratio without one-off items - % R$ billion (1) without one-off items 7.5 7.6 2005 7.9 8.9 2006 7.8 9.9 2007 8.5 10.5 2008 9M089M09 102.3 112.9 127.7 124.5 140.1 129.5 6.3 7.6 8.8 9.9

25. 25 Debit Cards Issued - million Credit and Debit Cards Revenues – R$ billion Credit Cards Issued - million CAGR (%): 15.7 33.5 10.2 40,0 41,7 47.2 52.7 9,3 14,1 21.3 25.4 2005200620072008 49.3 55.8 68.5 78.1 3Q08 77.0 3Q09 85.1 52,0 57.6 25,0 27.5 17.0 23.7 66.2 50.5 38.6 30.3

26. 26 Points of Service - thousand Transaction in Automated Channels - % Employees - thousand OthersBranches 2005 10.9 3.9 2006 14.8 11.1 4.0 2007 15.1 11.3 4.0 2008 15.3 11.6 4.3 3Q09 16.0 2005 89.2 20062007 90.0 91.3 2008 91.1 3Q09 ATM - thousand 2005 40.2 2006 39.7 2007 39.3 2008 39.7 3Q09 2005 83.8 2006 82.7 2007 81.9 2008 89.0 3Q09 104.1 12.3 5.0 17.2 43.8 92.2 Structure

27. 27 Structure Distribution Network by Customer Northeast Varejo 1,001 Atacado 7 Governo 9 Alta Renda 10 Varejo 2,064 Atacado 46 Governo 5 Alta Renda 47 Varejo 1,064 Atacado 22 Governo 3 Alta Renda 9 Varejo 393 Atacado 5 Governo 5 Alta Renda 11 Varejo 246 Atacado 2 Governo 7 Alta Renda 2 North Midwest South Southeast 5.2% 8.4% 20.7% 43.6% 22.1%

28. 28 Structure Transactions per Channels - % TAA Internet Individuals Cash POS Others Internet Banking – million of clients Internet Businesses 3Q09 3Q08 2005 7.9 20068.2 2007 8.5 20088.6 3Q09 9.1 37.8 21.1 18.6 5.9 8.8 7.8 40.6 14.9 20.2 9.9 8.7 5.8

29. 29 Asset Management Client Profile Investment Profile R$ billion 153.5 2005 182.7 2006 220.1 2007 246.3 2008 311.4 3Q09 CAGR: 20.8% Retail Wholesale Government Institutional Investors Foreign Investors 36.6% 22.0% 27.0% 10.0% 4.5% 56.5% 15.2% 15.3% 13.0% Fixed Income Multimarket Equities Others

30. 30 217.7 214.7217.2 282.0 252.6 543.9 751.8 Fee Income Credit Cards R$ billion 3Q084Q081Q092Q093Q093Q084Q081Q092Q093Q099M089M09 Insurance Net Income² 9M089M09 17.0 19.4 18.0 21.2 23.7 46.9 62.9 (1) Including BV = 34.2% = 38.2% R$ billion 3Q08 2.9 4Q08 3.1 1Q093Q09 2.9 3.4 2Q09 8.8 9.9 9M089M09 R$ million 3.5 241.5 246.3 259.3 293.9 311.4 3Q08 4Q08 1Q09 2Q09 3Q09 Assets under management¹ 516.3 465.4 445.5 506.4 531.5 AUM Fees - R$ million = 13.1% = 6.0% Insurance Ratio³ - % (2) Not including Nossa Caixa 10.7 13.2 14.3 16.3 14.3 10.8 15.0 (3) Insurance Net Income / BBs Recurring Net Income Cards, Insurance and AUM Businesses

31. 31 Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor 70073-901 - Brasília (DF) Phone: 55 (61) 3310-3980 Fax: 55 (61) 3310-3735 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. its Associated and Affiliated Companies and Subsidiaries. Although these references and statements reflect the managements 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 www.bb.com.br/ri