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Q07 Trade BalanceInternational Reserves Economic Environment Sovereign Risk – basis points Source: Agência Estado, Ministry of Development, Industry and Foreign Trade and Central Bank USD billions
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1
Banco do Brasil S.A.Banco do Brasil S.A.
1Q071Q07
2
Economic EnvironmentEconomic Environment
Interest Rate - Selic Price Index - IPCA
Ratio - %
Source: Central Bank and Brazilian Institute of Geography and Statistics - IBGE
16.5
9.3
17.8
7.6
18.0
5.7
13.3
3.1
2003 2004 2005 2006 1Q07
12.5
1.3
3
8.7
109.5
2003 2004 2005 2006 1Q07
Trade BalanceInternational Reserves
24.8
49.3
33.6
52.944.7
53.846.1
85.8
463383
303
192 166
Economic EnvironmentEconomic Environment
Sovereign Risk – basis points
Source: Agência Estado, Ministry of Development, Industry and Foreign Trade and Central Bank
USD billions
4
Banking IndustryBanking Industry
39.5
60.5
43.6
56.4
47.252.8
47.852.2
48.351.7
2003 2004 2005 2006 1Q07
Businesses Individuals
Loan Segments – Free Resources %Loan / GDP - %
Source: Central Bank
26.2 26.928.1
30.8 31.3
5
Loan SegmentsLoan Segments
55.1
29.7
15.2
2003
45.1
26.6
11.7
16.6
2005
42.5
26.7
10.6
20.2
2006
40.9
26.7
11.4
21.0
1Q07
47.2
27.5
13.0
2004
12.4
Individual Loan Segments - %
Source: Central Bank
Payroll Loan Credit Card / Overdraft AccountCars Others
6
Banco do Brasil StructureBanco do Brasil Structure
COBRA
BB-99.36% ON 99.34% 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-99.996% ON 99.996%Total
ATIVOS S.A. BB BI - 49% ON
74.50 % TotalBAMB - 51% ON 25.50% Total
ALIANÇADO BRASIL
BB-BI 40% ON 70% Total
BRASILPREVBB-BI 49.99% ON 49.99%
Total
CIBRASEC
BB-BI 9,09% ON 9,09% Total
SBCE
BB-BI 12.08% ON 12.08% Total
BRASILSAÚDE
BB-BI 49.92%ON 49.92% Total
VISANET
BB BI Classe A 35% Classe B 28.75% 31.99% Total
ITAPEBIBB-BI 19% ON
19% Total
BRASILCAP
BB-BI 49.99% ON 49.99% Total
KEPLER WEBER
BB-BI 24.38% ON 24.38% Total
VISA VALE
BB BI 35% ON 37.47% Total
PRONOR BB BI 0% ON 3.27% Total
Strategic Partnerships
Non-Strategic Partnerships
BRASIL VEÍCULOSBB-BI 40% ON
70% Total
NEOENERGIA
BB-BI 7.67 ON 7.67 Total
TECBAN
BB BI 8.96% ON 8.96% Total
CLEARINGS• CIP - BB 9.80%• BMF Câmbio• BMF Ativos • CBLC - BB 1.59%• BMF Derivativos
B B
Strategic Partnerships
CADAM
BB 0% ON 21.64% Total
Non-Strategic Partnerships
Banco do BrasilBanco do Brasil
Other Partnerships
Affiliated Companies
B B B I
Wholly Owned Subsidiaries
BANCO POPULAR DO BRASIL BB -100% ON
100% Total
7
Organizational StructureOrganizational Structure
Board of Officers
Units
Directorships
Autonomous Departments
Agr
ibus
ines
s
Com
mer
cial
Con
trol
ling
Inve
stor
Rel
atio
ns
Mar
ketin
g an
dC
omm
unic
atio
n
Lega
l
Dis
trib
utio
n an
d R
etai
l Cha
nnel
s
Fina
nce
Exec
utiv
eSe
cret
aria
t
VP of Retail Service and Distribution
VP of Rural Businesses
and Government
Affairs
VP ofTechnology and Logistic
VP of Credit, Controlling
and Risk Management
VP of Finance, Capital Marketand Investor
Relations
Board of Directors
General Shareholders Meeting
CEO
Board of Auditors
Audit Committee
Info
rmat
ion
Tech
nolo
gy
Mic
ro a
ndSm
all B
usin
esse
s
Empl
oyee
Rel
atio
nA
nd S
ocia
l-Env
.R
espo
nsib
ility
VP of HumanResources and Social-Enviro-
nmentalResponsibility
Gov
ernm
ent
Affa
irs
Ret
ail S
ervi
ces
Cap
ital M
arke
ts
and
Inve
stm
ents
Tech
nolo
gy
Hum
anR
esou
rces
Cre
dit
Inte
rnal
Con
trol
s
Fore
ign
Trad
e
Inte
rnat
iona
l
Softw
are
Dev
elop
men
t
Secu
rity
Man
agem
ent
Str
ateg
y an
d O
rgan
izat
ion
Ris
k M
anag
emen
t
Hig
h In
com
e
Logi
stic
Reg
iona
lSu
stai
nabl
eD
evel
opm
ent
VP of International Business and
Wholesale
Acc
ount
ing
Res
truc
turin
g of
Ope
ratio
nal A
sset
s
Internal Audit
Ope
ratio
nal
Supp
ort
Pens
ion
Fund
Man
agem
ent
8
Banco do Brasil’s SharesBanco do Brasil’s Shares
National TreasuryPREVIBNDESPar
Foreign InvestorsOthers
68.7
11.4
5.0
6.9
7.9
Free Float: 14.8
Participation - %
As of March 2007
9
Share’s PerformanceShare’s Performance
1.4
2003
1.8
2004
2.0
2005
2.5
2006
2.5
1Q07
Price / Book Value
7.4
2003
8.6
2004
8.1
2005
8.7
2006
10.8
1Q07
Price / Earnings
10
Share’s PerformanceShare’s Performance
31.3
2003
31.5
2004
36.1
2005
40.0
2006
40.0
1Q07
Payout - %
4.2
2003
3.7
2004
4.4
2005
4.6
2006
3.7
1Q07¹
Dividend Yield - %
(1) Dividend and Interest on Own Capital in the last 12 months
11
Share’s PerformanceShare’s Performance
mar/03 mar/04 mar/05 mar/06 mar/07
Ibovespa Banco do Brasil
760.7%
306.4%
12
PerformancePerformance
Net Income - R$ million
ROE - %
Market Capitalization - R$ billion
Dividends / Interest on Capital - R$ million
2003
2,381
2004
3,024
2005
4,154
2006
6,044
1Q06
2,343
1,248
4Q06
1,409
1Q07
26.7 29.4
22.3 23.0 26.832.1 63.0
2003
17.6
2004
26.0
2005
33.7
2006
52.8
44.4
1Q06
52.8
4Q06
55.0
1Q07
746954
1.498
2.418
(1) Dividends and Interest on own capital of 2H06
862¹564
13
Capital StructureCapital Structure
Shareholder’s Equity - R$ billion Level 1 - %
BIS Ratio -%
Level 2 - %
12.2
2003
14.1
2004
16.8
2005
20.8
2006
19.2
1Q06
21.6
1Q07 2003 2004 2005 2006 1Q06 1Q07
9.7
4.0
10.6
4.6
11.7
5.4
11.7
5.6
12.9
5.4
11.7
5.5
17.218.317.317.115.2
13.7
14
HighlightsHighlights
Market Share² - % Loan Portfolio - R$ billion
Market Share - % Assets - R$ billion
2003 2004 2005 2006 1Q06 1Q07
230.1 239.0 253.0
296.4264.6
321.9
77.6
2003
88.6
2004
101.8
2005
133.2
2006
105.5
1Q06
140.4
1Q07
16.3 16.915.416.515.315.914.8¹15.1
14.815.116.5
17.3
CAGR: 10.9%
(2) Domestic Portfolio(1) As of December/2007
CAGR: 20.0%
15
HighlightsHighlights
Market Share - %Assets Under Management - R$ billion
Market Share - %Deposits - R$ billion
110.0
2003
115.5
2004
137.7
2005
158.8
2006
139.2
1Q06
160.7
1Q07
102.7
2003
124.0
2004
153.5
2005
182.7
2006
169.2
1Q06
193.1
1Q07
19.1
20.1
19.1
20.219.7
19.020.3¹20.020.320.220.2
22.4
CAGR: 12.4%
(1) As of December/2007
CAGR: 21.5%
16
Customers - million
HighlightsHighlights
BusinessesIndividuals Employees - thousand2003 18.817.5 1.2
2004 21.119.7 1.4
2005 22.921.5 1.4
2006 24.422.8 1.6
1Q07 23.0 1.6 24.6
1Q06 21.8 1.5 23.3
1Q07 82.5
2003 78.0
2004 79.7
2005 83.8
2006 82.7
1Q06 83.4
CAGR:
8.7%
8.4%
17
Infrastructure and TechnologyInfrastructure and TechnologyDistribution Network
NortheastBranches 994Others 2,881Total 3,875
Branches 1,538Others 3,920Total 5,458
Branches 810Others 2,111Total 2,921
Branches 390Others 1.332Total 1,722
Branches 242Others 915Total 1,157
North
Midwest
South
Southeast
7.6%
11.4%
25.6%
36.1%
19.3%
18
Infrastructure and TechnologyInfrastructure and Technology
Branches Others
Points of Service - thousand
Automated Teller Machine (ATM) - thousand2003 13.23.2 10.0
2004 14.43.7 10.7
2005 14.83.9 10.9
2006 15.14.0 11.1
3.9 10.91Q06 14.9
4.0 11.21Q07 15.1
39.81Q07
37.02003
39.02004
40.22005
39.72006
41.01Q06
19
Infrastructure and TechnologyInfrastructure and TechnologyTransaction in Automated Channels - %
ATMInternet BankingCashierPOSOthers
Breakdown of Transactions - %
1Q06 1Q07
2003 88.4
2004 89.2
2005 90.0
1Q06 88.6
89.61Q07
47.0
31.3
11.4
6.4 3.2
45.7
32.5
10.4
7.5 3.1
20
Administrative Expenses - R$ billions Operational Income - R$ billions
ProductivityProductivity
Efficiency Ratio - %
11.3
20.3
12.6
23.2
13.1
27.3
13.7
28.9
3.2
6.7
3.6
7.1
3.3
7.5
2003 2004 2005 2006 1Q06 4Q06 1Q07
50.644.1
55.8 54.248.1 47.5 48.1
21
Fee Income - R$ billionsPersonnel Expenses - R$ billions
Coverage Ratio - %
ProductivityProductivity
2003 2004 2005 2006 1Q06 4Q06 1Q07
6.8
5.5
7.16.6
7.5 7.6 7.98.9
1.9 2.0 1.92.1 2.3 2.4
111.6127.9
112.1112.9
102.393.1
80.6
22
HighlightsHighlights
R$ - millionsNet Income 3,024 4,154 6,044 2,343 1,248 1,409 Net Interest Income 15,464 16,709 17,980 4,406 4,855 4,852Fee Income 6,607 7,648 8,887 2,103 2,287 2,377Administrative Expenses 12,562 13,143 13,744 3,237 3,614 3,325
R$ - millions
Assets 239,014 252,977 296,356 264,635 321,898Loan Portfolio 88,554 101,789 133,157 105,527 140,387Deposits 115,531 137,658 158,841 139,195 160,663
Assets Under Management 124,021 153,508 182,683 169,151 185,760
%ROE (Annualized) 23.0 26.8 32.1 63.0 26.7 29.4Efficiency 54.2 48.1 47.5 48.1 50.6 44.1Coverage 93.1 102.3 112.9 112.1 111.6 127.9
BIS Ratio 15.2 17.1 17.3 18.3 17.3 17.2
2004 2005 1Q072006 4Q061Q06
2004 2005 2006 1Q06 1Q07
4Q06 1Q072004 2005 2006 1Q06
23
FundingFunding
R$ billions
Demand Deposits Saving Deposits
Time Deposits Others¹
27.1
27.4
48.2
47.3
2003
150.1
29.0
31.1
49.7
50.3
2004
160.1
35.8
32.8
63.5
36.0
2005
168.2
40.1
36.7
76.9
54.4
2006
208.1
31.9
33.0
68.9
48.1
1Q06
181.9
35.6
38.9
80.9
72.9
1Q07
228.3
(1) Include Interbank Deposits, Investment Deposits and Money Market Borrowing
24
Loan PortfolioLoan Portfolio
16.1
33.4
30.0
9.0 18.4
38.5
35.7
9.224.0
51.9
45.1
12.2
19.8
39.8
37.1
8.926.1
55.2
46.8
12.3
2004 2005 2006 1Q06 1Q07
Individuals Businesses Agribusiness Abroad
R$ billions
88.6101.8
133.2
105.5
140.4
25
DelinquencyDelinquency
Allowance / Loan Portfolio - %
Past Due Loans + 15 days / Loan Portfolio - %
Past Due Loans + 60 days / Loan Portfolio - %
5.4
6.6 6.6 6.5
4.0
2.9 2.8
6.1
4.24.1
5.6
4.6 4.7
3.33.0
dec/03 dec/04 dec/05 dec/06 mar/07
26
Loan Portfolio - IndividualsLoan Portfolio - Individuals
0.3 2.22.01.5
10.0
0.2 2.12.5
3.8
9.8
0.92.1
3.1
8.3
9.6
0.2 2.5
2.6
4.7
9.7
1.22.7
3.2
9.3
9.7
2004 2005 2006 1Q06 1Q07
CarsPayroll Loan
Overdraft Account Credit CardsOthers
16.1
18.4
24.0
19.8
26.1R$ billions
27
Loan Portfolio - BusinessesLoan Portfolio - Businesses
2004 2005 2006 1Q06 1Q07
13.2
20.2
15.4
23.1
18.3
33.6
15.5
24.3
19.4
35.7
Middle and Large EnterprisesSmall and Micro Enterprises
33.438.5
51.9
39.8
55.2
R$ billions
28
Loan Portfolio - AgribusinessLoan Portfolio - Agribusiness
Mini-Sized Farmers
Small-Sized Farmers
Other Farmers
Cooperative
2004 2005 2006 1Q06 1Q07
1.3 3.16.0
19.6
1.8 3.8
7.4
22.8
2.05.3
8.6
29.2
1.74.1
7.2
24.1
1.95.6
8.9
30.430.0
35.7
45.1
37.1
46.8R$ billions
29
RetailRetail
Credit Card Revenue - R$ billions¹Issued Credit Cards - millions
(1) Debt cards included
18.1
2003
24.3
2004
31.6
2005
38.8
2006
9.2
1Q06
11.1
1Q07
14.1
9.3
6.95.3
9.5
14.4
30
InsuranceInsurance
Managed Portfolio - R$ millionsInsured Cars - thousand
Car Insurance
171.8
238.7
318.5
367.0328.9
388.2
2003 2004 2005 2006 1Q06 1Q07
703630676
625578
500
31
InsuranceInsurance
Managed Portfolio - R$ millionsInsured Lives - thousand
Life Insurance
2003 2004 2005 2006 1Q06 1Q07
570.5
680.6 717.1
820.1
720.1
842.8
1,801
1,263 1,351 1,417
1,748
1,679
32
InsuranceInsurance
Managed Portfolio - R$ millionsParticipants - thousand
Pension Fund
2003 2004 2005 2006 1Q06 1Q07
5,586
7,781
9,659
12,473
10,193
13,195
1,825
1,1781,365
1,5761,756
1,613
33
InsuranceInsurance
Managed Portfolio - R$ millionsQuantity of Plans - thousand
Capitalization (Annuity Plans)
2003 2004 2005 2006 1Q06 1Q07
2,0602,264
2,875 2,788 2,8542,813
2,8172,661 2,792 2,949
1,653
2,899
34
Sustainable Regional DevelopmentSustainable Regional Development
Strategy for job and income generation in a sustainable way which began in 2003.
Support to environmentally correct, socially fair, economically viable and culturally diversified productive activities.
2004 2005 2006 1Q06 1Q07
Contracted Amount - R$ million 13.6 105.4 313.8 123.0 439.4 Benefited Families (thousand) 16.8 70.6 230.9 107.2 265.5 Involved Branches 428 1,482 2,502 1,590 2,688 Skilled Employees 1,370 4,062 6,052 4,688 6,462 Served Municipalities 642 1,503 2,788 1,678 2,911 Approved Business Plans 120 375 1,020 521 1,215 Productive Activities 40 70 70 70 70
35
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
