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Teleconferência - 4º Trimestre de 2011

Anis Chacur Neto Sergio Lulia Jacob CEO Vice-Presidente Financeiro

May | 3rd | 2013

Conference Call – 1Q13

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Highlights

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Net Income in 1Q13 totaled BRL 60.1 million. The expanded credit portfolio reached BRL 15,820 million by the end of 1Q13, being BRL 13,791 million in the Corporate segment and BRL 2,029 million in the Middle Market segment. Return on Average Equity (ROAE) reached 14.1% p.a. in 1Q13. The bank is now Investment Grade by the three global risk rating agencies, as Fitch Ratings upgraded Banco ABC Brasil´s ratings in March/13.

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(BRL million) Mar/13 Dec/12 Chg 3M

(%)

Mar/12 Chg 12M

(%)Loans 8,607.7 8,480.9 1.5% 7,783.5 10.6%

Corporate 6,638.3 6,404.5 3.7% 5,923.8 12.1%

Middle 1,969.4 2,076.4 -5.2% 1,859.7 5.9%

Guarantees issued 6,421.6 6,232.4 3.0% 5,573.7 15.2%

Corporate 6,362.3 6,174.8 3.0% 5,538.5 14.9%

Middle 59.3 57.6 3.0% 35.2 68.8%

Corporate securities

(Corporate)

790.2 604.8 30.7% 357.6 121.0%

Expanded credit portfolio 15,819.6 15,318.1 3.3% 13,714.8 15.3%

Corporate total 13,790.8 13,184.1 4.6% 11,819.9 16.7%

Middle total 2,028.8 2,134.0 -4.9% 1,894.9 7.1%

Expanded Credit Portfolio

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Segments Highlights

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Corporate Middle Market

Average Ticket

(BRL Million)

Average Tenor

(days)

Total Number

of Clients

Clients with

Credit Exposure

Credit Portfolio

(BRL Million)

Mar/12 Dec12 Mar/13 Mar/12 Dec/12 Mar/13

Minas Gerais / Midwest

South

Rio de Janeiro

São Paulo Countryside

São Paulo Capital

708 703 701

533 532 541

21.5 23.6 24.0

343 355 341

965 997 1,007

2.0 2.1 2.0

207 227 241

1,156 1,295 1,357

54% 53% 53%

20% 18% 18%16%

19% 19%10%10% 10%

Mar/12 Dec/12 Mar/13

11,462 12,579 13,001

40% 41% 38%

12%11% 14%

10%9% 8%

29%27% 26%

9%12%

14%

Mar/12 Dec/12 Mar/13

1,895 2,134 2,029

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Credit Portfolio Quality

Past Due above 90 days (% of loan portfolio)

Loan Loss Reserve (% of loan portfolio)

0.65% 0.60%0.71%

0.39%0.57%

0.40%0.51% 0.50%

0.87% 1.02% 1.03% 0.95%1.06%

0.31% 0.21% 0.21% 0.11% 0.17% 0.15% 0.19% 0.21%

0.57% 0.52% 0.56%

0.36% 0.25%

0.23% 0.12% 0.09% 0.05% 0.06% 0.08% 0.09% 0.11%

0.47%0.39% 0.42%

0.17%0.01%

Mar/10 Jun/10 Sep/10 Dec/10 Mar/11 Jun/11 Sep/11 Dec/11 Mar/12 Jun/12 Sep/12 Dec/12 Mar/13

Middle

Total

Corporate

3.33% 3.64% 3.63% 3.60% 3.59% 3.45%3.02% 3.00%

3.68%4.06% 3.99% 4.02% 4.27%

1.86% 1.74% 1.64% 1.62% 1.72% 1.69% 1.69% 1.73% 1.95% 2.04% 2.24% 2.15% 1.85%

1.52% 1.29% 1.17% 1.13% 1.22% 1.18% 1.30% 1.33% 1.41% 1.48% 1.74% 1.54% 1.14%

Mar/10 Jun/10 Sep/10 Dec/10 Mar/11 Jun/11 Sep/11 Dec/11 Mar/12 Jun/12 Sep/12 Dec/12 Mar/13

Middle

Total

Corporate

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Credit Portfolio Quality

Transactions between D-H rating (Resolution 2682 of Brazilian Central Bank)

Write Off in the quarter (% of loan portfolio)

0.37%0.50% 0.46%

0.27%

0.47%0.32%

0.77%0.57%

0.22% 0.21%

0.55% 0.64% 0.55%

0.29%0.10% 0.15% 0.08% 0.10% 0.06%

0.24% 0.15%0.06% 0.08%

0.20%0.40% 0.46%

0.27%

0.00% 0.07% 0.03% 0.00% -0.01% 0.08% 0.02% 0.01% 0.04% 0.10%

0.32%

0.44%

Mar/10 Jun/10 Sep/10 Dec/10 Mar/11 Jun/11 Sep/11 Dec/11 Mar/12 Jun/12 Sep/12 Dec/12 Mar/13

Middle

Total

Corporate

3.1% 3.0%

2.4%

2.1%2.0% 1.9% 2.0%

2.4%

2.7% 2.5%2.6%

3.3% 3.1%

Mar/10 Jun/10 Sep/10 Dec/10 Mar/11 Jun/11 Sep/11 Dec/11 Mar/12 Jun/12 Sep/12 Dec/12 Mar/13

D-H

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Funding & Ratings

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(BRL Million)

Diversified funding with access to local and international sources

Local brAA+ Aa1.Br AA

Global BBB- Baa3 BBB-INVESTMENT GRADE

Mar/12 Jun/12 Sep/12 Dec/12 Mar/13

1,782 2,140 2,226 2,186 2,611

4,977 5,353 5,575 5,542 5,395

2,060 2,279 2,165 1,854 1,856

2,137 2,227 2,347 2,618 2,676

10,956 12,000 12,313 12,199 12,538 Total

14% 13% 13% 14% 14%

6% 5% 6% 7% 7% Subordinated Debt

Shareholders´ Equity

19% 19% 18% 15% 15%BNDES

10% 12% 10% 8% 8%

6%6% 8% 10% 13% Notes, Deposits & Others

Trade Finance

9% 9% 9% 9% 10%

10% 9% 9% 8% 8%

13% 11% 10% 10% 5%

10% 10% 9%9%

9%

3% 6% 8% 10% 11%Local Bonds (LFs)

Individual Investors

Financial Institutions

Institutional Investors

Corporate Investors

43%45%

45% 45% 46%

International

Local

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Basel Index & Shareholders’ Equity

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11.1% 10.2% 10.9% 10.6% 10.8%

4.1% 4.0% 4.1% 5.3% 5.0%

Mar/12 Jun/12 Sep/12 Dec/12 Mar/13

Tier II

Tier I (Core Capital)

15.2% 14.2% 15.0% 15.9% 15.8%

2,092 2,181 2,257 2,507 2,574

1,536 1,566 1,639 1,680 1,757

Reference Equity

Shareholders' Equity

(BRL Million)

Basel 2

Capital Adequacy (BRL million) Mar/13 Dec/12

Chg 3M

(%) / p.p.Mar/12

Chg 12M

(%) / p.p.

Capital 2,573.7 2,507.3 2.6% 2,092.0 23.0%

Mininum Capital Required 1,791.9 1,735.4 3.3% 1,518.3 18.0%

Capital Surplus 781.8 771.9 1.3% 573.7 36.3%

Basel Ratio 15.8% 15.9% -0.1 15.2% 0.6

Tier I (Core Capital) 10.8% 10.6% 0.2 11.1% -0.3

Tier II 5.0% 5.3% -0.3 4.1% 0.9

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Financial Margin

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NIM (% p.a.)

(BRL million) 1Q13 4Q12 Chg (%) 1Q12 Chg (%)

Net Interest Income before Loan Loss Provision (LLP) 147.1 148.1 -0.7% 140.9 4.4%

Shareholders´ Equity remunerated at CDI rate 26.2 26.8 -2.1% 36.8 -28.8%

Financial Margin w ith Clients 97.4 98.7 -1.3% 84.9 14.7%

Financial Margin w ith Market 23.6 22.7 3.8% 19.3 22.5%

Loan Loss Provision (LLP) (16.9) (25.6) -34.0% (23.7) -28.8%

Managerial Financial Margin 130.3 122.5 6.3% 117.2 11.2%

5.3% 5.0% 4.8% 4.7% 4.6%

1Q12 2Q12 3Q12 4Q12 1Q13

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14.9 16.5 17.419.6 20.8 22.6 23.5 23.8 24.2 26.0 27.4 26.6 27.2

7.18.1 4.9

6.96.8

5.4 4.2 3.8 3.34.1

4.6 6.3 4.8

2.41.6

0.5

8.22.0 2.8 2.4

7.2

1.9

2.03.1

7.9

1.0

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13

Capital Markets and

M&A Fees

Banking Tariffs

Guarantees Issued

(BRL Million)

Income from Services

Total of Revenues20.5% 20.1%

17.6%

23.8%

19.7% 20.3%18.3%

20.6%18.3% 19.0%

20.7%23.2%

19.7%

Income from Services

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Banking Service Fees (BRL million) 1Q13 4Q12 Chg (%) 1Q12 Chg (%)

Guarantees Issued 27.2 26.6 2.3% 24.2 12.5%

Capital Markets and M&A Fees 1.0 7.9 -87.2% 1.9 -46.4%

Banking Tariffs 4.8 6.3 -24.5% 3.3 44.9%

Total 33.0 40.8 -19.2% 29.3 12.3%

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Expenses

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Efficiency Ratio (Cost/Income)

Expenses (BRL million) 1Q13 4Q12 Chg (%) 1Q12 Chg (%)

Personnel (32.7) (36.3) -9.8% (31.1) 5.2%

Other Administrativ e Ex penses (17.6) (18.5) -4.9% (15.7) 12.0%

Profit Sharing (18.6) (15.3) 21.7% (10.0) 85.5%

Total (68.9) (70.0) -1.6% (56.8) 21.3%

33.9% 36.9% 35.3% 38.4% 39.2%

1Q12 2Q12 3Q12 4Q12 1Q13

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Profitability

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Net Income (BRL Million) ROAE (% p.a.)

56.9 55.0 55.1 59.6 60.1

1Q12 2Q12 3Q12 4Q12 1Q13

15.0% 14.2% 13.8% 14.4% 14.1%

1Q12 2Q12 3Q12 4Q12 1Q13

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Investor Relations

Website: www.abcbrasil.com.br/ir Email: ri@abcbrasil.com.br Phone: +55 (11) 3170-2186

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Disclosure

The following material, on this date, is a presentation containing general information about the Banco ABC Brasil S.A. We offer no guarantee and make no declaration, implicitly or explicitly, as to the accuracy, completeness or scope of this information. This presentation may include forward-looking statements of future events or results according to the regulations of the Brazilian and International securities and exchange commissions. These statements are based on certain assumptions and analyses by the Company that reflect its experience, the economic environment, future market conditions and expected events by the company, many of which are beyond the control of the Company. Important factors that may lead to significant differences between the actual results and the statements of expectations about future events or results include the company’s business strategy, Brazilian and International economic conditions, technology, financial strategy, financial market conditions, uncertainty regarding the results of its future factors, operations, plans, objectives, expectations and intentions, among others. Considering these factors, the actual results of the company may be significantly different from those shown or implicit in the statement of expectations about future events or results. The information and opinions contained in this presentation should not be understood as a recommendation to potential investors and no investment decision is to be based on the veracity, current events or completeness of this information or these opinions. No advisors to the company or parties related to them or their representatives should have any responsibility for any losses that may result from the use or contents of this presentation.