1. 1 Investor Relations Banco do Brasil 3Q06 Results Banco do Brasil 3Q06 Results Investor Relations

2. 2 HighlightsHighlights (1) Credit Operations characteristics only (2) Past Due Loans + 60 days R$ million

3. 3 Investor Relations Net Interest Income - R$ millionNIM¹ annualized - % Net Interest Income (1) Net Interest Margin over Earning Assets 3Q054Q051Q062Q063Q06 4,199 4,398 4,406 4,312 4,403 9.0 9.2 8.5 8.1 7.9

4. 4 Investor Relations R$ million Loan Portfolio IndividualsSMEsBusinessesAgribusinessAbroad 2Q06 - %3Q06 - % 19.6 14.0 23.6 34.1 8.8 19.1 14.7 22.2 35.3 8.7

5. 5 Investor Relations R$ million CDC Electrônico¹CDC Salário²CDC Payroll LoansCDC Total (1) Loan to individuals with pre-approved credit, through ATM (2) Granted to whom receives his/her wage in BB’s account Consumer Finance (CDC) 623 639 815 795 704 546 521 615 538 432 1,118 1,004 1,668 2,366 2,567 3,419 3,065 4,286 5,185 5,022 3Q054Q051Q062Q063Q06

6. 6 Investor Relations BB AA-CD-HAA-CD-H 2Q06 3Q06 Credit Risk - % (1) Source: Brazilian Central Bank Banking Industry¹ RetailCommercialAgribusinessForeign Trade Abroad 88.989.694.995.184.881.598.197.598.6 18.51.92.51.4 15.24.95.110.411.1 88.487.689.589.6 10.510.412.411.6

7. 7 Investor Relations Delinquency and Provision for Credit Risk Quarterly Provision Expenses - R$ million Provision Expenses / Loan Portfolio¹ - % Allowance for loan losses / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - % (1) Average Portfolio and Expenses of the last 12 months 6.3 6.6 7.3 7.4 5.9 5.6 6.0 5.0 5.25.2 3.9 4.0 4.3 3.6 3.8 3Q054Q051Q062Q063Q06 4.2 4.7 4.9 5.5 5.6 966 3Q05 1,498 4Q05 1,345 1Q06 1,757 2Q06 1,385 3Q06

8. 8 Investor Relations Individuals Credit Deliquency¹ Banking IndustryBB Past Due Loans + 15 days - %Past Due Loans + 90 days - % (1) Free Funds Operations except Funds e Programs, Credit Card Fin., Leasing. Banking Industry 14.914.814.7 13.9 14.5 13.8 14.5 14.7 13.3 12.8 12.4 12.1 13.1 13.4 13.8 12.9 13.7 13.6 14.0 14.3 14.8 14.2 14.5 8.1 8.2 8.5 8.2 8.1 7.5 7.4 7.1 6.8 6.5 6.8 6.7 6.9 7.2 7.3 7.4 7.7 7.2 7.5 7.6 7.8 Sep/05Nov/05Jan/06Mar/06May/06Jul/06Sep/06

9. 9 Investor Relations Allowance for loan losses / Loan Portfolio Past Due Loans + 15 days / Loan Portfolio 160.8% delinquency covered by provision 8.9% 5.5% Jun/05Sep/05Nov/05Jan/06Mar/06May/06Jul/06Sep/06 Agribusiness – Provision x Delinquency

10. 10 Investor Relations Quarterly Provision Expenses - R$ millionProvision Expenses / Loan Portfolio - % Agribusiness – Provision 44 80 68 63 134 79 49 127 158 194 462 748 656 1,050 641 0.2 0.4 0.3 0.2 0.5 0.3 0.2 0.4 0.5 0.6 1.5 2.1 1.8 2.6 1.6 1Q032Q033Q034Q031Q042Q043Q044Q041Q052Q053Q054Q051Q062Q063Q06

11. 11 Investor Relations R$ million Fee Income (1) 12 months average

12. 12 Investor Relations (Fees + NII) per account holder¹ - R$ Market Share - % Account Holders - million Assets Under Management - R$ billion 19.7 150.4 153.5 169.2 171.2 180.6 20.9 20.2 20.1 19.7 3Q054Q051Q062Q063Q06 22.3 22.9 23.3 23.7 24.1 284 290 288 284 278 3Q054Q051Q062Q063Q06 Fee Income

13. 13 Investor Relations R$ million Administrative Expenses

14. 14 Investor Relations Coverage¹ Ratio - % (1) Fee Income / Personnel Expenses - YTD (2) Administrative Expenses / Operating Income - YTD Productivity Ratios Efficiency² Ratio - % 47.5 48.1 45.5 46.5 103.4 102.3 112.1112.2113.4 3Q054Q051Q062Q063Q06 3Q054Q051Q062Q063Q06

15. 15 Investor Relations Investor Relations Division SBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor 70073-901 - Brasília (DF) Phone: 55 (61) 3310.3980 Fax: 55 (61) 3310.3735 www.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, 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 www.bb.com.br/ri