Business in Portuguese BIC

CONFIDENTIAL WWW.BANCOBIC.PT Authorized and Supervised by BDP and CMVM

NOVEMBER 2010

WWW.BANCOBIC.AO

1- ANGOLAN ECONOMY key highlightseconomic frameworkbanking sector

2 - BANCO BIC A N G O L A

3 - BANCO BIC PORTUGUS P O R T U G A L

Presented by Mr. LUIS MIRA AMARALCEO of Banco BIC Portugus, SA

CONFERENCE - LONDON

CONFIDENTIAL WWW.BANCOBIC.AO

NOVEMBER 2010ANGOLAN ECONOMY key highlights

- ANGOLA IS PART OF THE GROUP OF ECONOMIES WITH GREATER ECONOMIC GROWTH AT A WORLD LEVEL. While not being immune to the international crisis and being extremely dependent on the oil sector, Angola's economic growth for 2009 was contingent, although it did show a new impulse in the non-oil sector, especially in agriculture, construction and trade, which shows the economic diversification efforts that have been undertaken.

- According to the World Bank, Summer 2010 Report, ANGOLAS REAL GDP WILL BE CLOSE TO 6.9% IN 2010, INCREASING TO 7.7% IN 2011, AND STABILIZING AROUND 7% IN 2012. So its not foreseen that Angola will returnto double digit growth in the near future.

- Growth in the Sub-Saharan Africa region is projected to rebound to 4.5% this year and strengthen further to 5.1% and 5.4% in 2011 and 2012.

- ANGOLA BECAME THE SECOND BIGGEST SUPPLIER OF OIL TO CHINA IN 2009, assuring approximately 15% of the country's imports.

2009

2010

Real GDP 2007 2008 2009Africa 5,8% 5,2% 2,8%SADC 7,4% 6,0% 3,7%Angola 23,3% 15,6% 0,2%South Africa 4,8% 3,1% 1,8%

Source IMF


NOVEMBER 2010ANGOLAN ECONOMY economic framework- The Angolan economy, underwent SECTOR DIVERSIFICATION, thus fulfilling one of the governments objectives.

- DEVELOPMENT OF THE AGRICULTURAL SECTOR, IN A COUNTRY WHERE APPROXIMATELY 55% OF THE POPULATION WORKS IN THIS SECTOR, HAS BEEN ONE OF THE GOVERNMENTS PRIORITIES. There is an understanding that this will be the fastest way to respond to the basic needs of the population, while reducing the unemployment rate and the deficit in the food trade balance.

- THE CONSTRUCTION SECTOR, ACCOUNTED FOR 8% OF GDP IN 2009, COMPARED TO ROUGHLY 4,4% IN 2008. Growth is essentially a result of the national reconstruction effort, which includes roads and real estate investments.

2009

Gross Domestic Product (%) 2007 2008 2009Agriculture, livestock and f isheries 9,8% 8,2% 11,7%Mining industry 58,8% 59,5% 41,1%

Crude oil and gas 57,1% 58,3% 40,1%Other 1,7% 1,2% 1,0%

Manufacturing indust ry 4,9% 6,6% 7,4%Elect ricity 0,8% 0,1% 0,1%Construct ion 5,8% 4,4% 8,0%Market services 13,7% 15,2% 22,7%Non-market services 6,1% 5,9% 8,9%Import dut ies 0,1% 0,1% 0,1%

0,1%

41,1%

22,7%

11,7%

8,9%

8,0%

7,4% 0,1% Composit ion of GDP (%) 2009Import dut ies

Mining industry

Market services

Agriculture, livestock and f isheries

Non-market services

Construction

Manufacturing industry

Electricity


NOVEMBER 2010ANGOLAN ECONOMY economic framework

IMF SEPTEMBER 2010 Base Scenario

2010E 2011PReal GDP 5,9% 7,5%

Oil 5,0% 6,1%Non-Oil 6,6% 8,8%

Oil Product ion (mbpd) 1,9 2,02Oil Price (USDpb) 72 75

Public Def ict in % Real GDP 3,10% 3,90%


NOVEMBER 2010ANGOLAN ECONOMY banking sector

Customer Deposits(in millions of USD)

4755

11777 125244456

1010712726

2007 2008 2009

LC FC

7173

16066 14426

7388

11687 14848

2007 2008 2009

LC FC

Credit to the Economy(in millions of USD)

Number of Banks in Angola

Total Increase of 5%from 2008 to 2009

Total Increase of

15%from 2008

to 2009

Credit to the Economy / Customer Depositsstands at 86% in 2009, increasing 9% when

compared with 2008 data0

5

10

15

20

25

2005 2006 2007 2008 2009 2010

Source: BNASource: BNA


NOVEMBER 2010BANCO BIC ANGOLAChairmans Message on Annual Report 2009 Mr. Fernando Teles

Chairman of the Board of Directors

The bank is currently ONE OF THE MAIN PLAYERS IN THE ANGOLAN BANKING SECTOR, where it stands out in the LEADERSHIP OF FOREIGN EXCHANGE OPERATIONS with a share equivalent to 20% and with MARKET SHARES OF 12% AND 10% IN TOTAL CUSTOMER FUNDS AND LOANS TO THE ECONOMY RESPECTIVELY.

Among the main activity indicators which essentially translate into the consolidation of Banco BICs results and wider territorial coverage, of note is a NET INCOME FOR THE YEAR OF USD 149 MILLION, equivalent to a growth of 6% compared with 2008; a NET WORTH OF USD 460 MILLION, equivalent to a growth of 57%; a SOLVENCY RATIO OF 23% demonstrating our strength; the 119 BRANCHES IN ANGOLA and its 1168 EMPLOYEES.

The DEDICATION AND VALUE OF OUR EMPLOYEES is to be lauded, as is the TRUST OF OUR SHAREHOLDERS and of all of the other partners THAT MAKE THE ROOT OF OUR BAOBAB TREE, WHICH IS GROWING DAY BY DAY. 2009 Audited by


NOVEMBER 2010BANCO BIC ANGOLA

7.100,53

5.136,365.110,09

3.293,89

2.839,66

1 .497,84

1.137,29837,18

648,96 582,93 552,83295 ,80

159,70 73,47 71,60 17,52 7,70 6,34 0,25

BAI BFA BPC BIC BESA BPA SOL BCP BNI BCI BTA BRK BCA BANC FINI N Banco QUAN VTB BDA

M

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DEPOSITS BY BANKJULY 2010

- 1.816,20

+ 454,23

BAI24,18%

BFA17,49%

BPC17,40%

BIC11,22%

BESA9,67%

BPA5,10%

SOL3,87%

BCP2,85%

BNI2,21%

BCI1,98%

BTA1,88%

BRK1,01%

BCA0,54%

BANC0,25%

FINI0,24%

N Banco0,06%

QUAN0,03%

VTB0,02%

BDA0,00%

Market Share Dez/09 -12,47%

Rank 4th Source: BNA


NOVEMBER 2010BANCO BIC ANGOLA6.175,49 4.955,40

4.111,27

3.774,00

2.478,94

1.154,97

725,04 663,68480,01

465,51 437,43 367,67 315,4789,57 61,15 38,09 12,49 9,52 0,26

BESA BAI BFA BPC BIC BPA BCP BNI BTA BDA BCI SOL BRK BCA FINI BANC N Banco VTB QUAN

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CREDIT TO THE ECONOMYJULY 2010

-1.295,06

+ 1.478,94

BESA23,47%

BAI18,83%

BFA15,62%

BPC14,34%

BIC9,42%

BPA4,39%

BCP2,76%

BNI2,52%

BTA1,82%

BDA1,77%

BCI1 ,66%

SOL1,40%

BRK1,20%

BCA0,34%

FINI0 ,23% BANC

0,14%N Banco0,05%

VTB0,04%

QUAN0,00%

Market Share Dez/09 -10,00 %

Rank 5thSource: BNA


NOVEMBER 2010

0

100

200

300

400

500

600

700

800

900

1.000

1.100

1.200

1.300

1.400

1.500

BIC BFA BCP BAI BPA BSOL BESA BPC BNI BTA VTB BRK FNB BANC BCA BCI BMF NVB BQC

1.475

1.200

813

681640

596 558510 487

322 301233 231 211 200

13338 16 1

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CURRENCY BOUGHTCumulat ive unt il SEPTEMBER 2010

BANCO BIC ANGOLA

Rank 1st

BIC17%

BFA14%

BCP9%

BAI8%

BPA7% BSOL

7%BESA6%

BPC6%

BNI6%BTA

4%VTB3%BRK3%FNB

3%BANC

2%

BCA2%BCI

2%BMF0%

NVB0%

BQC0%

Source: BNA



ATM'S MATRICULADOS

BFA23%

BRK3%BIC14%BESA

3%

BSOL8%

BPC19%

BCI6%

BTA2%

BCA3%

BAI15%

BMA3%

150325

488717

250 339

1.211

2.660

2005 2006 2007 2008

ATM'S TPA'S

TPA'S MATRICULADOS

BMA4%

BAI18%

BCI4%

BPC12%

BESA3%

BIC17%

BFA38%

2008 data



106 Branches7 Corporate Centres2 Investment Centres1 Private Banking

12Corporate Branches

BANCO BIC BELIEVES THERE IS MORE IN

ANGOLA BESIDES THE CAPITAL LUANDA, THEREFORE THE

BRANCH/ CENTRESEXPANSION TO OTHER

PROVINCES


NOVEMBER 2010BANCO BIC ANGOLAKey Performance Indicators

2010 2009 % Change

Total Assets, net 4.585 4.318 6%Turnover 5.814 5.674 2%. Loans and of f -balance sheet items 2.164 2.048 6%. Resources f rom clients 3.650 3.626 1%Turnover per employee 4,6 4,8 -6%Banking product 217 244 -11%Banking product per employee 0,17 0,21 -18%Overhead costs / Banking product 36% 30% 21%Personnel costs / Banking product 21% 17% 26%Net income for the year 101 120 -15%Shareholders equity 524 460 14%Income before taxes / Average assets, net 3,0% 4,4% -31%Banking product / Average assets, net 4,9% 5,5% -12%Income before taxes / Average equity 27% 52% -47%Effective income tax rate 25% 19% 33%Number of branches 123 113 9%Number of employees 1.276 1.172 9%

2010 data unaudited

Note: 2009 Balance sheet data in 31/12/2009. 2009 Income statement data in reference to 30/09/2009, for comparison purposes.

Amounts in millions of dollars

Millions USD


NOVEMBER 2010BANCO BIC ANGOLAINCOME STATEMENT

1. Interest and Similar Income 258.532 266.7132. Interest and Similar Expenditures 136.723 109.1423. Financial Margin (1-2) 121.809 157.5714. Commissions and Other Net Income 28.688 31.4695. Net Prof it on Financial Operat ions 76.601 54.5316. Maintaining Own Funds 10.347

-

7. Banking Product (3+4+5-6) 216.752 243.5728. Personnel Costs 45.436 40.3839. Third-party Services and Supplies 27.359 25.37910. Depreciat ion 5.531 7.13511. Running Costs (8+9+10) 78.326 72.89712. Generation of Income Cash Flow (7-11) 138.426 170.67513. Net Provisions 6.561 21.37614. Net Ext raordinary Income 2.834 64715. Income Before Taxes (12-13+14) 134.698 149.94616. Income Tax 33.258 30.28517. Income for the Financial Year (15-16) 101.440 119.66018. Cash f low After Taxes (18+6+10+13) 123.879 148.172

30/09/2010 30/09/2009

Amounts in thousands of dollars. 2010 data unaudited.

Thousands USD


NOVEMBER 2010BANCO BIC ANGOLABALANCE

SHEET

BS in September 2009 and 2010

DepreciationASSETS Gross Assets & Provisions Net Assets Net Assets

2009

1. Cash and Deposits in Central Banks 863.909 - 863.909 881.864

2. Loans and Advances to Credit Inst itut ions on Demand 177.225 - 177.225 245.393

3. Other Loansand Advances to Credit Inst itut ions 273.920 - 273.920 236.250

4. Loans to Customers 1.986.918 71.446 1.915.472 1.845.650

5. Bonds and Other Fixed Income Securit ies 1.208.693 - 1.208.693 1.099.798

6. Shares 662 - 662 385

7. Intangible Fixed Assets 5.079 4.845 235 863

8. Tangible Fixed Assets 123.844 28.258 95.586 80.456

9. Other Assets 3.752 - 3.752 7.128

10. Adjustment Accounts 45.604 - 45.604 39.310

TOTAL ASSETS 4.689.606 104.548 4.585.058 4.437.098

LIABILITIES & NET WORTH 2009

1. Central Bank Funds- -

2. Other Credit Inst itut ions Funds 224.261 131.875

3. Customer Deposits 3.306.473 3.341.852

4. Funds from Other Ent it ies 343.753 424.8785. Liabilit ies represented by Securit ies

- -

6. Other Liabilit ies 33.914 30.770

7. Adjustment Accounts 115.805 66.8968. Provisions for Sundry Risks 47.690 38.023

Total Liabilit ies 4.071.896 4.034.294

9. Capital 26.301 31.03210. Funds

- -

11. Reserves 333.118 190.400

12. Retained Earnings 52.303 61.711

13. Net Income for the Financial Year 101.440 119.660

Total Net Worth 513.162 402.804

TOTAL LIABILITIES AND NET WORTH 4.585.058 4.437.098

2010

2010

Amounts in thousands of dollars. 2010 data unaudited.

27% Increase YoY

4% Increase YoY in USD

1% Decrease YoY in USD

16% increase in KWZ

Thousands USD



THE BEST BANK in ANGOLA

Awarded for excellence 2008 from the Euromoney Magazine, one of the most prestigious publications in Europe and forth on a World level


NOVEMBER 2010BANCO BIC ANGOLACONTACTS:

Executive Committee:

MR. FERNANDO TELES MR. FERNANDO DUARTE MS. GRAA PEREIRAChairman & CEO Board Member Board [email protected] [email protected] [email protected]

MR. HUGO TELES MS. GRAZIELA ESTEVES MR. JOSE MANUEL CANDIDOBoard Member Board Member Board [email protected] [email protected] [email protected]

MR. PEDRO NUNES MBIDIGANI MR. JAIME PEREIRABoard Member Assessor of the Board of [email protected] [email protected]

FOR OTHER CONTACTS: PLEASE CHECK WWW.BANCOBIC.AO

NOVEMBER 2010


ANGOLA to PORTUGAL PORTUGAL to ANGOLA

After being established in Angola for 3 SUCCESSFUL YEARS, while COMPETING WITH MAJOR BANKS WITH STRONG AND

PROFITABLE RELATIONSHIP WITH PORTUGUESE BANKS, Shareholders of Banco BIC DECIDED IN 2008 that it was time to

ADD A COMPETITIVE ADVANTAGE to their Business Model that allow them to compete with the same structure as their

major competitors in Angola by....

.... CREATING A TWIN PORTUGUESE BANK, CALLED BANCO BIC PORTUGUS (with the same Shareholder structure)

Banco BIC Portugus launched from scratch its operation in May 2008.

NOVEMBER 2010


BANCO BIC PORTUGUSPORTUGALChairmans Message on Annual Report 2009 Mr. Fernando Teles

Chairman of the Board of Directors

We are a PORTUGUESE BANK aimed at serving the Portuguese market and cooperating in the development of economic relations between Portugal and Angola. Counting on the support of Banco BIC, S.A. in Angola for this purpose.

We started in May 2008, so 2009 WAS OUR FIRST FULL YEAR OF BUSINESS, the year ending with POSITIVE RESULTS. Contributing to this in the net operating income area, was the financial margin, due to the Bank's credit activity in the companies area, and the additional margin, due to the Bank's activity as correspondent bank for Angolan banks and the provision of services to Banco BIC, S.A. (Angola), and, in the costs area, strict control of operating costs and prudent credit risk management.

Thus, Banco BIC Portugus and its twin, Banco BIC, S.A. (Angola) find themselves in a privileged position to support the various economic agents, in the current business panorama between Portugal and Angola. We are already the CORRESPONDENT BANK FOR 4 ANGOLAN BANKS, managing a considerable flow of financial transfers.

We set up the CAPITAL MARKET Centre which, in 2009, permitted REGISTRATION IN THE CMVM (securities exchange watchdog), allowing us to operate as a financial intermediary. This will make our PRIVATE BANKINGactivity more dynamic, offering our customers financial products with a suitable risk/return ratio. We also want to make more dynamic partnerships between Portuguese and Angolan business people, developing our CORPORATE FINANCE business.

We are counting on a SOLID SHAREHOLDER STRUCTURE and on our HIGHLY QUALIFIED AND EXPERIENCED TEAM.We do hope to continue to earn the TRUST OF OUR CUSTOMERS.

2009 Audited by

NOVEMBER 2010


BANCO BIC PORTUGUSPORTUGAL

In 2009, we opened new Branches /Corporate Centres in:

BRAGAAVEIROLEIRIAVISEU.

In 2008, Headquarters in LISBOA andBranch/Corporate Centre in PORTO.

GEOGRAPHICAL DISTRIBUTION COVERAGE

NOVEMBER 2010


BANCO BIC PORTUGUSPORTUGALKey Performance Indicators

31/12/2009Total net assets 419.104 Turnover 1 265.687 Banking product 10.184 Cost to Income 77,5%Net Income for the Year 204 Shareholders Equity 24.513 Capital requirements ratio 2,3 15.1%Tier I 2,3 16.7%Total number of agencies 6 Total Staff 72

thousands of euros

Note 1: Credit granted, guarantees stood, open documentary credit and customer funds;Note 2: Calculated according to Inst ruct ion no. 16/2004, of the Banco de Portugal;

Note 3. Calculated according to Banco de Portugal standards on minimum capital

requirements.

Thousands EUR

NOVEMBER 2010



In 2009, Banco BIC Portugus recorded a NET PROFIT OF EUR 204 THOUSAND, with TOTAL ASSETS ON THAT DATE OF APPROXIMATELY EUR 419 MILLION.

Equally important was the EUR 7.5 MILLION CAPITAL INCREASE IN FEBRUARY 2009. It was increased FROM EUR 17.5 TO 25.0 MILLION, in order to comply with the provisions of the General Scheme for Credit Institutions and Financial Companies, also permitting comfortable levels of solvency, calculated under the terms of the regulations in force and issued by the Banco de Portugal.

The NET OPERATING INCOME at the end of 2009 had reached approximately EUR 10.2 MILLION, with EUR 4.5 million attributable to the financial margin and approximately EUR 5.7 million arising from the additional margin, which included income form services and commissions, foreign exchange income and any other operating income and revenue.

FINANCING COSTS for 2009 reached approximately EUR 7.9 MILLION (77.5% of the net operating income), with staff costs corresponding to EUR 3.6 million and general administrative expenditure totalling approximately EUR 4.3 million over the period in question.

Of note on the other hand are the good quality indicators in the loans granted portfolio, where OVERDUE CREDIT IS ABSOLUTELY MARGINAL (approximately EUR 285 thousand) in the total customer credit portfolio. Nevertheless, as a result of the significant growth in loans granted and under the terms of Banco de Portugal rules, provisions were set up for general credit risks in 2009 at an amount of EUR 1.2 million.

Also of note is the non-existence of exposure of shares to risks as a result of a conservative policy followed in the application of customer and credit institution funds.

NOVEMBER 2010


1. Interest and Similar Income 12.609 5.7822. Interest and Similar Expenditures 4.603 2.9513. Financial Margin (1-2) 8.006 2.8314. Commissions and Other Net Income 1.400 1.0385. Assets assessed at fair value through Prof it and Loss 562 296. Currency remeasurment income 1.831 7147. Income generated from selling Other Assets 08. Other Income 320 1.2129. Banking Product (3+4+5+6-7+8) 12.120 5.82410. Personnel Costs 3.384 2.53511. Third-party Services and Supplies 3.318 3.28112. Depreciat ion 812 63513. Running Costs (10+11+12) 7.514 6.45014. Generation of Income Cash Flow (9-13) 4.606 -62715. Net Provisions 2.086 64016. Net correct ions due to Customer credit & other debtors 106 8517. Income Before Taxes (14-15-16) 2.414 -1.35218. Income Tax 657 1419. Income for the Financial Year (17-18) 1.757 -1.36620. Cash f low After Taxes (19+12+15) 4.656 -91

30/09/2010 30/09/2009

Amounts in thousands of euros. 2010 data unaudited.

BANCO BIC PORTUGUSPORTUGALINCOME STATEMENT

2,67x YOY comparison

Surpass largely the 10 Million EUR landmark

Only 16% YoY increase

Net Income above 1,7 Million EUR

Thousands EUR

NOVEMBER 2010


BS in September 2009 and 2010

DepreciationASSETS Gross Assets & Provisions Net Assets Net Assets

2009

1. Cash and Deposits in Central Banks 16.969 16.969 6.643

2. Cash Resources in Other Credit Inst itut ions 119.939 119.939 62.459

3. Financial Assets at Fair Value through P&L 49.930 49.930 1.739

4. Financial Assets Available For Sale 4.787 4.787 4.272

5. Investments in Credit Inst itut ions 531.125 531.125 233.369

6. Customer Credit 329.017 229 328.788 93.362

7. Financial Assets Held to Maturity 25.540 25.540

8. Tangible Assets 4.533 1.110 3.423 3.746

9. Intangible Assets 1.899 963 936 1.114

10. Current Tax Assets 144 144

11. Deferred Tax Assets 486 486

12. Other Assets 1.484 1.484 1.216

TOTAL ASSETS 1.085.854 2.302 1.083.552 407.920

LIABILITIES & NET WORTH 2009

1. Deposits: Retail, Private & Inst itut ional 1.049.480 381.100

2. Provisions 3.648 953

3. Current Tax Liabilit ies 657 14

4. Deferred Tax Liabilit ies 47

5. Other Liabilit ies 3.789 2.810

Total Liabilit ies 1.057.574 384.923

6. Capital 25.000 25.000

7. Revaluat ion Reserves -206 140

8. Prof it /Loss Carried Forward -573 -776

9. Net Income for the Financial Year 1.756 -1.366

Total Net Worth 25.978 22.998

TOTAL LIABILITIES AND NET WORTH 1.083.552 407.920

2010

2010

Amounts in thousands of euros. 2010 data unaudited.

BANCO BIC PORTUGUSPORTUGALBALANCE

SHEETComercial Paper

=

157.858 K Euros

Corporate Credit=

170.930 K Euros

Over 1 billion EUR in Funding Sources

2,65x YoY comparison

Thousands EUR

NOVEMBER 2010



CONTACTS:

MR. FERNANDO [email protected]

Executive Committee:

MR. LUIS MIRA AMARAL MR. CARLOS TRAGUELHO MR. JAIME PEREIRA MR. DIOGO BARROTECEO Board Member CFO Board [email protected] [email protected] [email protected]

[email protected]

OTHER CONTACTS:

Private Banking Corporate Banking Retail Banking Correspondent BankingMR. MANUEL VASCONCELOS MR. CUSTDIO VALE DE GATO MR. FRANCISCO BRAGADESTOMR. ABLIO FONSECAHead of Private Banking Head of Corporate Banking Head of Retail Banking Head of Operations Head of Capital Markets [email protected] [email protected] [email protected] [email protected]

MR. MANUEL LOURENO MS. MARIANA VIEGAS MS. VNIA MELEIROCRO Internal Auditor Compliance [email protected] [email protected] [email protected]

S T P A W A R D 2 0 0 8

E X C E L L E N T Q U A L I T Y

In the delivery of commercial payments and financial transfers

NOVEMBER 2010



CURRICULUM VITAE:

MR. LUIS MIRA [email protected]

Degree in Electrical Engineering, Instituto Superior Tcnico (1969) Master in Economics, Universidade Nova de Lisboa (1980)Stanford Executive Program - "Graduate School of Business", Stanford University (2000)Strategic Management in Banking Program, INSEAD (2001)Post Graduate Program in Power System Reliability Evaluation, Manchester University (1978)

Portuguese Minister of Labour and Social Security (1985/87), Industry and Energy (1987/95)

Member of the Board of Banco Portugus de Investimentos, SA (BPI Group) (1997-2002)

Vice-President and CEO - Caixa Geral de Depsitos, SA (2002-2004)

Professor of Management - Instituto Superior Tcnico

Member of Supervisory Board - Royal Lankhorst -Euronete Group(Netherlands)

Vice-President CIP Confederap Indstria Portuguesa


NOVEMBER 2010

WWW.BANCOBIC.AO

CONFERENCE - LONDON

DISCLAIMER:The present presentation is confidential and was prepared by Banco BIC, SA and Banco BIC Portugus, SA for information purposes only. The use is forbidden, being allowed only to the audience of Business in Portuguese Conference (01/11/2010). Information provided is based on available data . Banco BIC, SA and Banco BIC Portugus, SA declines full responsibility by the improper use of this presentation.

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Business in Portuguese BIC