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1
Banco do Brasil S.A.Banco do Brasil S.A.
20072007
2
Economic EnvironmentEconomic Environment
18.0
5.7
2005
11.3
4.5
2007
13.3
3.1
2006
17.8
7.6
2004
Interest Rate - Selic
Ratio - %
Price Index - IPCA
16.5
9.3
2003
3
Economic EnvironmentEconomic Environment
52.933.6
2004
53.844.7
2005
85.8
46.1
2006
180.3
40.0
2007
International Reserves
Sovereign Risk - basis points
Trade Balance
US$ billion
463383
303
192 222
24.8
49.3
2003
4
Banking IndustryBanking Industry
56.4
43.6
2004
52.847.2
2005
52.247.8
2006
51.948.1
2007
Business IndividualsLoan / GDP - %
Loan Segments - Free Resources %
26.2 26.9 28.130.8 34.7
60.5
39.5
2003
5
Others
Cars
Payroll Loan
Credit Cards / Overdraft Account
2004
47.2
27.5
12.4
13.0
2005
45.1
26.6
16.6
11.7
2006
42.5
26.7
20.2
10.6
Individual Loan Segments - %
Loan SegmentsLoan Segments
Fonte: Bacen
55.1
29.7
15.2
2003
44.5
25.6
20.4
9.5
2007
6
Banco do Brasil’s StructureBanco do Brasil’s Structure
COBRABB-99.36% ON
99.35% TotalBI-0.04% ON
0.04% Total
BB LEASINGBB - 100% ON
100% Total
BB VIENA BB -100% ON
100% Total
BBCARTÕESBB - 100% ON
100% Total
BB LEASING Co. LTD
BB - 100% ON 100% Total
BB DTVM BB -100% ON
100% Total
BBCORRETORA
BB - 100%ON 100% Total
BAMBBB -100% ON
100% Total
BBCONSÓRCIOS
BB - 100% ON 100% Total
BB BIBB - 100% ON
100% Total
BANCO DO BRASIL SECURITIES LLC
BB - 100% ON 100% Total
BBSECURITIESBAMB -100% ON
100% Total
BB TURISMO BAMB - 99% ONBB Leasing - 1% ON
100% Total
ATIVOS S.A. BB BI - 49% ON
74.50 % TotalBAMB - 51% ON 25.50% Total
ALIANÇADO BRASIL
BB-BI 40% ON 100% PN 70% 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 35% ON A 28,75% ON B 31,99% Total
Insurance GroupInsurance Group
ITAPEBI
BB-BI 19% ON 19% Total
BRASILCAP
BB-BI 49.99% ON 49.99% Total
KEPLER WEBER
BB-BI 21.45% ON 17.87% TotalDTVM 0.029% ON 0.02% Total
VISA VALE
BB BI 35% ON
45,69% PN 40,35% Total
PRONORBB 1.77% ON
1.05% TotalBI 5.51% ON
3.27% Total DTVM 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 8.81% Total
TECBAN
BB BI 8,96% ON 8,96% Total
CLEARINGS
BM&F BB 0,36% Cotas 0,36% Total CIP BB 9,78% ON 9,78% Total
B B
Strategic Participation
CADAM
BB 56.19% ON 21.64% Total
Non-Strategic Participation
M A N A G E D
BB PREVIDÊNCIA
Entidade fechada de Previdência Privada
S P O N S O R E D
CASSI PREVIFBB
Banco do BrasilBanco do Brasil• National Treasury National Treasury
67,06% 67,06% • PREVI PREVI 10,74%10,74%• BNDESPAR BNDESPAR 2,60% 2,60%• Other Shareholders Other Shareholders
19,60% 19,60%
Other ParticipationOther Participation
R E L A T E D C O M P A N I E S / P A R T I C I P A T I O N
B B B I
C O N T R O L L E D
BANCO POPULAR DO BRASIL BB -100% ON
100% Total
F O U N D A T I O N
7
Internal StructureInternal Structure
Counsel
Internal Audit
Board of Directors
Shareholders General Meeting
Board of Auditors
ForeignTrade
Wholesale
International
SecurityManagement
ExecutiveSecretaria
Strategy andOrganization
Marketing andCommunication
Legal
InternalControls
Boards Units Autonomous Administration
Cards
New RetailBusiness
Insurance,Pension andCapitalization
High Income
Retail
Micro andSmall
Enterprises
Agribusiness
OperationalSuport
LogisticsGovernment
EmployeeRelations andSocial Env.
Resp.
Finance HumanResources
Controlling
Credit
RiskManagement
Pension FundManagement
CapitalMarkets andInvestment
InvestorRelations
Accounting
Reestructuringand Operational
Assets
Audit Committee
Distribution andRetail Channels
CEO
VP ofInternationalBusiness and
Wholesale
VP of Cards andNew RetailBusiness
VP ofTechnology
and Logistics
SoftwareDevelopment
VP of HumanResources and
SocialEnvironmentalResponsability
VP of Credit,Controlling
and RiskManagement
ITInfrastructure
Technology
VP of Finance,Capital Markets
and IR
VP ofGovernment
VP ofAgribusiness
VP of Retailand
Distribution
Regional andSustainable
Development
8
National Treasury
PREVI
BNDESPar
Foreign Investors
Others
Participation
65.3%10.5%
2.5%
10.0%
11.7%
Free Float: 21.7%
Ownership StructureOwnership Structure
5.0
2.2
2003
7.1
4.0
2.8
2004
6.8
3.5
3.4
2005
6.9
7.6
7.2
2006
14.8
11.7
10.0
2007
21.7Free Float - %
9
Share’s PerformanceShare’s Performance
1.4
2003
1.8
2004
2.0
2005
2.5
2006
3.1
2007
Price / Book Value
7.4
2003
8.6
2004
8.1
2005
8.7
2006
14.9
2007
Price / Earnings
10
Earnings / Share – R$
Dividends and Interest on Own Capital / Share – R$
Share’s PerformanceShare’s Performance
0.3
2003
0.4
2004
0.6
2005
1.0
2006
0.8
2007
1.1
2003
1.3
2004
1.7
2005
2.4
2006
2.0
2007
11
IbovespaBanco do Brasil
Bradesco Itaú
Unibanco
Dez/02 Dez/03 Dez/04 Dez/05 Dez/06 Dez/07
Share’s PerformanceShare’s Performance
1.135.3%
467.0%
713.1%
526.5%637.3%
12
ProfitabilityProfitability
3.0
2004
4.2
2005
6.0
2006
5.1
2007
26.0
2004
33.7
2005
52.8
2006
75.3
2007
Net Income - R$ billionROE - %
Capitalização de Mercado - R$ bilhõesDividends / Interest on Own Capital
17.6
2003
0.71.0
1.5
2.42.0
2.4
2003
22.3
26.832.1
23.0 22.5
13
Shareholder’s Equity - R$ billion Tier I -% Tier II - %
10.6
4.6
2004
11.7
5.4
2005
11.7
5.6
2006
Capital StructureCapital Structure
BIS Ratio - %
2007
10.7
4.9
15.617.317.1
15.213.7
2003
4.0
9.7
14,1
2004
16,9
2005
20,8
2006
24,3
2007
12,2
2003
14
239.0
2004
253.0
2005
296.4
2006
357.8
2007
Market Share % Assets - R$ billion
AssetsAssets
CAGR: 11.7%CAGR: 11.7%
(*) Economic-Financial consolidated
230.1
2003
14.0%14.8%15.1%16.5%17.3%
15
Money Market Borrowing
Demand Deposits
Saving Deposits
Others
2003
48.2
40.1
27.1
27.47.3
150.1
2004
49.7
44.5
29.0
31.15.8
160.1
2005
63.5
30.5
35.8
32.85.5
168.2
2006
76.9
49.3
40.1
36.7
5.2
208.1
2007
85.5
72.3
51.3
45.8
5.6
260.6
FundingFunding
CAGR (%): 14.8
- 6.3
13.7
17.3
Market Share - %
R$ billion
Time Deposits
15.9
15.4
21.7 20.919.1 19.6
19.8
16
FundingFunding
65.4 64.760.6
84.7
51.8
61.6
100.0
Saving Deposits
Time Deposits
Judicial Deposits
Total Deposits
Money Market Borrowing
Total Funding
Funding Cost - as % of Selic
17
Individuals
Businesses
Agribusiness
Abroad
2004
16.1
33.4
30.0
9.0
88.6
2005
18.4
38.5
35.7
9.2
101.8
2006
24.0
51.9
45.1
12.2
133.2
2007
32.0
65.5
51.9
11.4
160.7
Loan PortfolioLoan Portfolio
CAGR (%): 22.0
8.0
20.0
25.2
25.7
R$ billion
15.9
15.3
16.516.0
Market Share - %
18
Unsecured Consumer Finance
Payroll Loans Overdraft Account
Credit Card Cars
1.5
10.0
2.02.20.3
2004
16.1
9.7
2.52.20.2
2005
18.4
3.8
9.5
3.1
2.2
0.9
2006
24.0
8.3
10.5
4.3
2.42.9
2007
32.0
11.9
CAGR (%): 18.7
113.0
2.9
29.1
1.6
99.4
Consumer FinanceConsumer Finance
R$ billion
19
Small and Micro EnterprisesMiddle and Corporate Enterprises
13.2
20.2
2004
33.4
15.4
23.1
2005
38.5 18.3
33.6
2006
51.9 24.6
40.9
2007
65.5
CAGR (%): 25.2
23.1
26.5
Credit to BusinessCredit to Business
R$ billion
20
Mini SmallMiddle and Corporate Cooperative
2004
19.6
6.0
3.01.330.0
2005
22.8
7.4
3.81.835.7
2006
29.2
8. 6
5.32.0
45.1
2007
34.0
9.5
6.5
1.9
51.9
CAGR (%): 20.0
13.5
28.0
16.6
20.2
Credit to AgribusinessCredit to Agribusiness
R$ billion
21
Credit RiskCredit Risk
Provision Expenses - R$ billion
3.1
2003
3.5
2004
4.5
2005
5.7
2006
5.4
2007
4.4 4.34.7
5.0
3.7
Provision Expenses / Loan Portfolio¹ - %
(1) Average Loan Portfolio
22
Credit RiskCredit Risk
4.6
5.6
4.14.5
6.4
5.2
5.1
5.8
5.4 5.4
4.7
3.33.0
4.0
2.93.3
6.56.6
6.1
5.4
2003 2004 2005 2006 2007
Past Due Loans + 15 days / Loan Portfolio - %
Past Due Loans + 60 days / Loan Portfolio - %
Provision / Loan Portfolio - %
Average Risk - %
23
Net Interest IncomeNet Interest Income
Loan RevenuesOther Interest Revenues
2003
16.2
19.5
35.7
2004
17.1
14.2
31.3
2005
19.2
14.4
33.6
2006
21.6
15.1
36.7
2007
25.3
14.7
40.0
15.3 15.716.7
18.1
20.8
Net Interest Income
CAGR (%):
8.0
11.8
R$ billion
2.9
24
NIMNIM
2003 2004 2005 2006 2007
9.1 8.4 8.6 8.1 7.6
23.3
16.219.1
15.311.9
NIM¹ - %Average Selic - %
(1) Net Interest Income over Earning Assets
38.235.7
30.1 28.725.4
8.9 9.0 8.4 8.1
6.36.1 5.6 6.0 5.5
6.9
2003 2004 2005 2006 2007Individuals Businesses Agribusiness
NIM by Portfolio - %
25
ProductivityProductivity
Administrative Expenses¹ Operating Income¹
CAGR (%):
6.4
11.4
Efficiency Ratio - % Efficiency Ratio without Extraordinary Itens - %2003
11.3
20.1
2004
12.6
23.2
2005
13.1
27.3
2006
13.7
28.9
2007
14.5
30.9
56.0 54.248.1 47.5
51.4
46.9
R$ billion
(1) without extraordinary itens
26
ProductivityProductivity
Personnel Expenses¹ Fee Income
CAGR (%):
3.5
15.8
Coverage Ratio - % Coverage Ratio without Extraordinary Itens - %2003 2004 2005 2006 2007
6.8
5.5
7.16.6
7.5 7.6 7.98.9
7.8
9.9
102.3
108.1
127.7
93.181.0
112.9
R$ billion
(1) without extraordinary itens
27
Debit Cards Issued - million
Revenues – R$ billion
Credit and Debit CardCredit and Debit Card
18.124.3
31.637.9
49.3
37.2
2003
31.9
5.3
41.3
2004
34.4
6.9
49.3
2005
40.0
9.3
56.4
2006
42.3
14.1
69.1
2007
48.9
20.2
Credit Cards Issued - million
CAGR (%):
28.5
39.7
11.3
28
Individual Businesses
Customers - million
17.5 1.22003 18.8
19.7 1.42004 21.1
21.5 1.42005 22.9
22.8 1.62006 24.4
24.3 1.72007 26.0
CAGR (%): 8.4
8.6
9.1
StructureStructure
Employees - thousand
79.72004
83.82005
82.72006
81.92007
78.02003
29
Others Agências
Points of Services - thousand
10.0 3.22003 13.2
10.7 3.72004 14.5
10.9 3.92005 14.8
11.1 4.02006 15.1
11.3 4.02007 15.3
86.42003
88.42004
89.22005
90.02006
91.32007
Transaction in Automated Channels - %
Distribution NetworkDistribution Network
30
StructureStructure
Distribution Network by Customer
Northeast
Retail 980Wholesale 7Government 10High Income 2
Retail 1,472Wholesale 47 Government 11High Income 22Retail 801
Wholesale 22Government 6High Income 4
Retail 383Wholesale 5Government 5High Income 4
Retail 233Wholesale 2Government 7High Income 0
North
Midwest
South
Southeast
6.0%
9.9%
24.8%
38.6%
20.7%
31
StructureStructure
Transactions per Channels - %
TAA
Internet
Cash
POS
Others
4Q07
45.6
31.4
8.7
9.94.4
Internet Banking – million of customers
6.92004
7.92005
8.22006
8.52007
5.92003
47.0
30.2
10.0
9.03.84Q06
32
Asset ManagementAsset Management
Customer ProfileCustomer Profile
Retail27.9%
Wholesale 8.8%
Public Sector14.8%
InstitutionalInvestors
44.4%
Foreign Investor
4.1%
Investment ProfileInvestment Profile
Fixed Income51.5%
Multi-strategy15.7%
Equities21.4%
Others11.4%
102.7
124.0
153.5
182.7
220.1
2003 2004 2005 2006 2007
CAGR: 21.0%CAGR: 21.0%
33
Insurance - Added ValueInsurance - Added Value
720
889
1.1231.200
2004 2005 2006 2007
CAGR: 18.5%CAGR: 18.5%
R$ million
34
Investor Relations UnitSBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor
70073-901 - Brasília (DF)Phone: 55 (61) 3310-3980
Fax: 55 (61) 3310-3735
DisclaimerDisclaimer - 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