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Investor Relations | 1 Unibanco and Unibanco Holdings, S.A

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Apresentação do PowerPointPrimeira Versão - 01 de agosto 2006
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Annualized ROAE (%)
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25% net income growth, 1H06 versus 1H05
Financial margin (before provisions for loan losses) grew to 10.6% in 1H06, vis-a-vis 10.1% in 1H05 – despite declining interest rates
Growth of 5.7% in 2Q06
19.3% up in 12 months. Highlight to credit cards portfolio growth: 42.9%
Approximately 60% gain over the past 12 months
Higher weight in the Ibovespa index: 1.825% (1)
Stock Dividend (Bonificação de Ações) aimed at increasing liquidity
Efficiency ratio of 47.5%, a 530 b.p. improvement from 2Q05 (52.8%)
1.3% change in personnel and administrative expenses, 2Q06 versus 1Q06
Insurance
(1) 1st Preview of the Theorical Portfolio Sep - Dec 2006.
Primeira Versão - 01 de agosto 2006
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Financial Indicators
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Income Statement
(Effective Income Tax Rate)
(-) Profit Sharing / Minority Interest
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92.0%
93.1%
Jun-05
Mar-06
Jun-06
AA-C
92.8%
+33%
8.0%
6.9%
D-H
7.2%
Jun-05
Mar-06
Jun-06
412
494
548
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Consumer Finance Companies
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Financial Margin
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Retail(1)
Wholesale
(1) It includes acquired credit of individuals, cosigned by the financial institutions that sold the credits.
Primeira Versão - 01 de agosto 2006
327 475 496
Corporate
Individuals(1)
Jun-05
Mar-06
1.6%
13,686
15,793
Jun-06
16,048
17.3%
20.6%
21,468
8.3%
23,891
-1.7%
14.4%
4.9%
8.1%
(1) It includes acquired credit of individuals, cosigned by the financial institutions that sold the credits.
Primeira Versão - 01 de agosto 2006
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4,405
3,958
3,546
5,187
5,248
5,635
4,201
3,604
2,350
13,793
12,810
11,531
24,984
23,905
23,324
Jun-06
Mar-06
Jun-05
Total Deposits + Debentures (A)
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19.6%
7.3%
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Fee Income
R$ Millions
Banking fees
Credit Cards
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84
92
97
2Q05
1Q06
2Q06
15.5%
2Q05
1Q06
2Q06
4,848
5,628
5,864
1,424
1,676
1,729
6,272
7,593
7,304
21.1%
Jun-05
Mar-06
Jun-06
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Stock Dividend (Bonificação de Ações)
To increase the liquidity of Unibanco’s and Unibanco Holdings’ shares in the Brazilian stock market by means of having a quotation value accessible to small investors.
Current
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13602.psd
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Investor Relations
phone: 5511-3097-1980
fax: 5511-3097-1585
email: [email protected]
site: www.ir.unibanco.com
This presentation contains forward-looking statements regarding Unibanco, its subsidiaries and affiliates - anticipated synergies, growth plans, projected results and future strategies. Although these forward-looking statements reflect management’s good faith beliefs, they involve known and unknown risks and uncertainties that may cause the Company’s actual results or outcomes to be materially different from those anticipated and discussed herein. These risks and uncertainties include, but are not limited to. our ability to realize the amount of the projected synergies and the timetable projected, as well as economic. Competitive, governmental and technological factors affecting Unibanco’s operations, markets, products and prices, and other factors detailed in Unibanco’s filings with the Securities and Exchange Commission which readers are urged to read carefully in assessing the forward-looking statements contained herein. Unibanco undertakes no duty to update any of the projections contained herein.
Primeira Versão - 01 de agosto 2006
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