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5. Investor Relations | page 5 Investor Relations | 5 Wholesale and Wealth Management Audit Committee Gabriel Jorge Ferreira Chairman Members Board of Directors Pedro Malan Chairman Pedro Moreira Salles Vice-Chairman Board Members CEO Pedro Moreira Salles Retail Organizational Structure  Prominent Board Members  Independent Audit Committee Legal and Tax Planning, Control, Operations and IR Treasury Insurance and Pensions HR and Communication Risk, Compliance and Operational Efficiency Guilherme A. Ferreira Israel Vainboim Pedro Bodin Armínio Fraga Joaquim F. Castro Neto João Dionisio Francisco Pinto Israel Vainboim Eduardo A. Guimarães Guy Almeida Andrade Marcos LisboaGeraldo Travaglia Claudia Politanski Demosthenes Madureira Márcio Schettini José Rudge Daniel Gleizer

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10. Investor Relations | page 10 Investor Relations | 10 Individuals Car Loans Corporate Total Portfolio Loan Portfolio Growth Credit Cards Consumer Finance Companies Sep-06Jun-07Sep-07 R$ Million Mortgages SMEs Large Corporate Portfolio highlights  Quarter  % 12 months 8.2 24.6 29.0 70.6 5.7 20.6 12.1 42.8 20,883 30,761 51,644 5,412 2,762 31.25.0 14.49.7 1,58611.62.8 9,72937.112.1 21,03213.72.7 5,759 Payroll 36.29.71,400Own portfolio 319.144.32,285Acquired portfolio Other branch network loans 1.623.95,499 31.2152.43,685 16,383 26,940 43,323 4,330 2,649 1,460 7,955 18,985 4,205 1,128 787 4,507 1,915 23,402 32,500 55,902 5,680 3,030 1,630 10,909 21,591 7,175 1,536 3,298 5,586 4,834

11. Investor Relations | page 11 Investor Relations | 11 Credit: UBB x Brazilian Financial System 100 107 117 125 105 119 129 Jun-07Sep-07Sep-06Dec-06 Brazilian Financial System Credit Evolution Sep-06 = 100

12. Investor Relations | page 12 Investor Relations | 12 Personal Loans – Mix of Brazilian Financial System 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% Dec/01 Apr/02 Sep/02 Feb/03 Jul/03 Dec/03 May/04 Oct/04 Mar/05 Aug/05 Jan/06 Jun/06 Dec/06 Jan/07 Feb/07 Mar/07 Apr/07 May/07 Jun/07 Jul/07 Aug/07 Sep/07 Overdraft Loans Personal Loans Payroll Loans Vehicles Mortgage Loans Credit Cards Others Durable Goods Financing - Others 37% 63%

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15. Investor Relations | page 15 Investor Relations | 15 Sep-06Sep-07 4,205 7,175 +70.6% 3Q06 = 100 Auto Financing 3Q07 Market Cars + Trucks & Buses Loans Focus: New Cars (Financed Units) Focus: New Trucks & Buses (Financed Units) R$ Million 3Q06 = 100 31% 47% 69% 53% New vehicles Used vehicles 352 143 149 139

16. Investor Relations | page 16 Investor Relations | 16 Wholesale Highlights Export Foreign Exchange BNDES Equity Research Origination and Distribution As a financial agent for BNDES, Unibanco disbursed R$3 billion during 9M07, maintaining its 3 rd place in the BNDES overall ranking 58% growth in Equity average daily trade volume 3 rd place in Fixed Income Anbid Ranking One of the Top 10 Research Houses in the 2007 All-Brazil Research Team ranking, from Institutional Investor magazine - Awards to the analysts of the Consumer Goods and Banking and Financial Services Sectors Volume of US$ 6.6 billion in 9M07

17. Investor Relations | page 17 Investor Relations | 17 R$ billion Distribution by Segment Total: R$ 48.7 billion Corporate 4.7 10% Institutional 9.4 19% Private 7.6 16% Own Distribution 12.4 25% Retail 14.6 30% 26.9 Dec-03 33.0 Dec-04 37.4 Dec-05 43.8 Dec-06 48.7 Sep-07 Assets Under Management Unibanco Asset Management R$ billion September 2007 81.0% 11.2%

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19. Investor Relations | page 19 Investor Relations | 19 9M07 2,621 1,885 736 Net income Recurring net income Result from non recurring events R$ Million Performance 33.7% 24.5% ROAE ROAE before non recurring events 3Q07 1,199 667 532 50.2% 26.5%

20. Investor Relations | page 20 Investor Relations | 20 Net Income Results from non recurring events Income Statement Summary R$ Million Gross Profit from Financial Intermediation Personnel and Administrative Expenses Fees from Services Rendered Provisions for Loan Losses Net Profit from Financial Intermediation Net Income before non recurring events 2Q07 2,076 910 (1,417) 1,045 841 (545) 2,621 203 638 Tax Rate24% 3Q07 3Q06 9M069M07 7,231 (1,889) 5,342 2,600 (4,109) 2,626 (460) 1,174 21% 1,634 Operating Income before non recurring events 106 2,481 (579) 1,902 885 (1,434) 911 (460) 21% 566 6,060 2,704 (4,215) 3,006 2,621 (1,629) 7,689 736 1,885 24% 2,100 925 (1,414) 1,024 1,199 (560) 2,660 532 667 22% Other Operating Income (Expenses)(524)(1,207)(442)(1,543)(587)

21. Investor Relations | page 21 Investor Relations | 21 - Gain on Redecard’s IPO680 (128) - (20) 532 R$ Million 285 - (572) (47) (142) 203 285 680 (699) (47) (162) 736 - 679 2Q07 3Q079M07 Result from non recurring events Non Recurring Events (1) (1) Net of taxes Other provisions Result from the sale of Serasa's stake Provision for loan losses Change in participation on our subsidiary UPS Labor, civil, and fiscal provisions Non Recurring Events

22. Investor Relations | page 22 Investor Relations | 22 Annualized ROAEStockholders’ Equity (R$ Bln) Net Income (1) Operating Income (1) Performance R$ Million 9.0 3Q05 11.6 3Q07 9.6 3Q069M069M079M05 9.6 11.6 (1) Before non recurring events Performance 23.3% 24.8% 26.5 (1) % 24.5 (1) % 23.1% 21.3% 9.0  3Q07/3Q06 3Q079M07  9M07/9M06 3,006 1,885 1,024 667 12.4% 17.8% 14.5% 15.4%

23. Investor Relations | page 23 Investor Relations | 23 ROAE Evolution R$ Million (1) Before non recurring events Annualized ROAE (%) Stockolders’ Equity (R$ bi) 21.0% 25.8% 9.9 24.8% 8.4 16.1% 7.9 25.1% 10.3 1Q072Q063Q064Q061Q051Q04 9.8 9.6 1Q06 9.5 24.0% 24.7% 23.0% 23.3% 24.2% 8.7 2Q053Q05 9.0 4Q05 9.3 2Q073Q07 10.8 11.6 26.7 (1) % 26.5 (1) %

24. Investor Relations | page 24 Investor Relations | 24 Destaques  Total loan portfolio growth: 8.2% QoQ (6.8% in the Brazilian Financial System) 29.0% YoY (24.8% in the Brazilian Financial System)  Payroll loans: 31.2% QoQ (152.4% YoY)  Auto Loans: 24.6% QoQ (70.6% YoY)  SMEs: 12.1% QoQ (37.1% YoY) Loan Portfolio  13.8% reduction in provision for loans losses expenses, 9M07 vs 9M06  Better ratio of D to H portfolio over total loans (4.9% vs 6.7% in September 2006)  Better ratio of non-accrual portfolio over total loans (4.1% vs 5.4% in September 2006)  118% non-accrual loan portfolio coverage (past due and falling due credits) Asset Quality Improvement Stocks  Unibanco ADTV (1) (Bovespa + NYSE): R$466 million in 3Q07 versus R$150 million in 3Q06, a 211% increase  Market Capitalization (2) : R$37.7 billion Operational Efficiency  1.4% reduction in Personnel and Administrative Expenses in 3Q07 compared to 3Q06  Personnel and Administrative Expenses for companies under Unibanco’s direct management: 1.0% variation compared to 3Q06 1.6% variation from 9M06  Better ratio of Cost to Assets (4.4% in 3Q07 versus 5.9% in 3Q06) Highlights (1) Average Daily Trading Volume (2) As of November 6 th, 2007

25. Investor Relations | page 25 Investor Relations | 25 Financial Indicators Net Profit from Financial Intermediation (R$ Million) Total Assets (R$ Billion) Loan Portfolio (R$ Billion) Earnings per Share (R$) 1,902 2,100 0.21 0.24 (1) 0.20 1,957 1,884 0.21 Dec-06 3Q064Q061Q072Q07 Mar-07Jun-07Dec-06Mar-07Sep-06 Jun-07Sep-07 3Q07 2,076 0.23 (1) (1) Before non recurring events 104 134 45 102 56 43 115 47 13052 3Q064Q061Q072Q073Q07

26. Investor Relations | page 26 Investor Relations | 26 5.8% R$ Million 5.5%5.9% 2Q07 3Q079M07 Treasury Gains / Gross profit from financial intermediation Treasury Gains 9M063Q06 6.6%4.4% Financial margin from treasury (A) 172136 2,6212,481 2,0761,902 154 2,660 2,100 452 7,689 6,060 316 7,231 5,342 Gross profit from financial intermediation (B) Net profit from financial intermediation (C) 7.3%7.2%7.5% Treasury Gains / Net profit from financial intermediation 8.3%5.9% (A/B) (A/C)

27. Investor Relations | page 27 Investor Relations | 27 Wholesale Retail R$ Million Loan Portfolio Growth Brazilian Financial System 23.2%29.0%8.2% 16.6%24.8%6.8%  9M07 Quarter  12 months 29.0% Jun-07Sep-07 8.2% Sep-06 51,644 59% 41% 55,902 61% 39% 43,323 56% 44%

28. Investor Relations | page 28 Investor Relations | 28 Financial Margin After ProvisionFinancial Margin Provision for Loan Losses / Financial Margin -800 b.p. 14.25% 11.25% Selic Rate Financial Margin 20.8% 27.2% 3Q073Q061Q071Q06 21.8% 2Q07 29.1% 4Q05 23.3% 21.1% 3Q063Q07 9.0% 10.6% 8.1% 7.1% 2Q07 2Q06 27.9% 8.5% 6.7%

29. Investor Relations | page 29 Investor Relations | 29 Asset Quality D to H Portfolio / Loan Portfolio Coverage Non-Accrual Portfolio Coverage D to H Portfolio Sep-06Jun-07Sep-07 100% Sep-06Jun-07Sep-07 115% 5.2% Sep-06Jun-07Sep-07 6.7% 4.9% 99% 87% 118% 109% 4.5% Sep-06Jun-07Sep-07 5.4% 4.1% Non-Accrual Portfolio / Loan Portfolio

30. Investor Relations | page 30 Investor Relations | 30 Total Funding (A) Demand Deposits Savings Deposits Core Deposits CDs Core Deposits Time Deposits + Debentures Assets Under Management (B) Total Funding + AUM (A+B) Total Deposits + Debentures R$ Million Sep-07Jun-07Sep-06 Funding and AUM Other Funding 86,12389,25970,111 4,626 8,045 5,149 17,820 28,984 133,650 46,804 47,527 4,160 8,832 4,982 17,974 48,665 29,757 137,924 47,731 4,470 5,558 4,648 14,676 29,130 112,586 43,806 42,475 39,31941,528 26,305

31. Investor Relations | page 31 Investor Relations | 31 R$ Million Administrative Expenses Personnel Expenses Personnel and Administrative Expenses Companies under Unibanco´s direct management 3Q06 2.7% 1.0% 9M07 9M06 1.6% 2,34 9 1,630 3,979 2,349 1,567 3,916 3Q072Q07 791 567 1,358 781 541 1,322 823 522 1,345 2,34 9

32. Investor Relations | page 32 Investor Relations | 32 Fees from Services Rendered R$ Million Total fees from services rendered Banking fees and commissions Credit Cards (1) Assets under management 2Q073Q073Q06 Serasa (3) Subtotal Other fees (1) Hipercard + Unicard 9M079M06 (2) In 3Q07, Unibanco changed its participation in Redecard from 31.9% to 23.2% Redecard (2) (3) In 3Q07, Serasa’s result was accounted by the equity income method 492 89 910 493 90 885 141114 3735 816794 9497 556 88 925 144 - 881 93 1,530 257 2,704 406 71 2,470 277 1,384 277 2,600 323 96 2,270 286 575644163234

33. Investor Relations | page 33 Investor Relations | 33 Efficiency Revenues R$ Million Efficiency RatioExpenses 3Q073Q04 2,988 1,414 3Q05 2,136 1,308 3Q06 2,575 1,323 2,913 1,434 61.2% 47.3% 51.4% 49.2% 6.5% 4.4% 6.3% 5.9% Cost to Assets

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36. Investor Relations | page 36 Investor Relations | 36 (*) As of November 6th, 2007 Sep-06Dec-06Mar-07Sep-07Jun-07 UBB 178 UBBR11 157 R$37.7 billion Unibanco’s Market Cap (*) Stocks Units (UBBR11) and GDSs (UBB) (1) Valid from December 2006 to November 2007. Ibovespa2.278 IBrX-503.482 ISE Sustainability Index (1) 5.884 UBBR11 Sep to Dec 07Sep to Dec 06 1.881 3.550 5.884 100 May to Aug 05 (2) 0.984 2.955 N/A Index Weighting (%) (2) Inclusion in Ibovespa.

37. Investor Relations | page 37 Investor Relations | 37 R$ Million Average Daily Trading Volume (Bovespa and NYSE) Units and GDSs 2Q07 254 85 339 15 1 16 20011997 12 1 13 12 1 13 1999 Units (UBBR11) GDSs (UBB) 2006 144 31 175 3Q07 362 466 104 2005 65 19 84 2003 25 28 3 172 43 215 1Q07 42% 22% 37%

38. Investor Relations | page 38 Investor Relations | 38 Broker dealer Use Unibanco’s resources available from the “Revenue Reserve” account 6 months, from August 10 th, 2007 on Company’s Objective Unibanco Investshop Corretora de Valores Mobiliários S.A. Authorized dates for the program Stock Repurchase Program 2Q071Q07 Stock Repurchase Program 2Q06 Amount in Units Average Price R$/Unit 3,283,100 885,000 4,168,100 21.28 25.25 22.13 Repurchase in 3Q07 Repurchase in October 2007 Total repurchased until October 23rd

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40. Investor Relations | page 40 Investor Relations | 40 Moreira Salles Group Float Units + GDS Others Total 525,398 1,074,053 28,338 1,627,789 Unibanco Holdings Float Units + GDS Others Total 1,627,789 1,074,432 98,137 2,800,358 19% 38% 1% 58% 38% 4% 100% PN Unibanco Holdings PN Unibanco + UNITs 76.7% Shareholders’ Structure % of Unibanco shares Thousands of Shares 1 GDS=10 Units

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43. Investor Relations | page 43 Investor Relations | 43 Unibanco Ratings Fitch Ratings Unibanco BB+ Foreign Currency Brazil Long Term Short Term BBB- B F3 BB+ Local Currency Brazil Long Term Short Term - Unibanco BBB-F3 Standard and Poor’s Unibanco BB+ Foreign Currency Brazil Long Term Short Term BB+ B B BBB Local Currency Brazil Long Term Short Term A-3 Unibanco BB+B Moody’s Long Term Debt Long Term Deposits Short Term Deposits Financial Strength Unibanco Baa3 (1) NPB-Ba2 Brazil Baa3Ba2NP Global Scale: Foreign Currency Global Scale: Local Currency Long Term Deposits Short Term Deposits Unibanco P-1A1 Brazil A1 - (1) The Baa3 rating was attributed to the US$2 billion MTN Programme (Medium Term Note Programme) of Unibanco - União de Bancos Brasileiros, to the R$325 million notes indexed to the IGP-M (General Market Price Index) and payable in US dollars issued by Unibanco Grand Cayman Branch in February 2005, and to the Perpetual Bond issued by Unibanco Grand Cayman Branch in July 2005. -

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