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Investor Presentation 2Q11
2
. Who we are
. Business Segments
. Competitive Environment
. Financial Highlights
3
Ownership Structure
3
ABC Brasil
Local Management11.8%
Voting CapitalTotal Capital
Free-float34.2%
Local Managementand Directors
57.8%ABC
88.2%ABC
8.0%
Arab Banking Corporation(Parent Company)
59.4%CentralBank of Libya
29.7%Kuwait
InvestmentAuthority
Free-float10.9%
Local Global
Aa1.Br Baa3
AA- BB+
Investment grade
4
89%
86%84%
84%
86%86%
11%
11%
12%
14%
14%14%
2006 2007 2008 2009 2010 Jun/11
Middle Market
Corporate
11,588
8,509
6,485
4,992
2,911
12,2355.6%
4
Focus on Companies
4
ABC Brasil strongly focuses on providing loans and structured products to mid-sized and large companies
Credit PortfolioIncluding Guarantees Issued
BRL million
5
Geographical Presenceand Expansion Plan
5
Business Platforms
Corporate Middle
São Paulo Capital 3 4
São Paulo Countryside 1 2
South 1 3
Rio de Janeiro 1 1
Minas Gerais - 1
Midwest - 1
TOTAL 6 12
Presence in 20 cities
Offices
São Paulo Capital São Paulo
São PauloCountryside
Campinas, Ribeirão Preto, Taubaté, Sorocaba, São José do Rio Preto and Bauru
South Curitiba, Londrina, Blumenau, Criciúma, Porto Alegre, Caxias do Sul and Novo Hamburgo
Rio de Janeiro Rio de Janeiro
Minas Gerais Belo Horizonte and Uberlândia
Midwest Brasília, Goiânia and Cuiabá
RO
AC
AM
RR
PA
AP
MA
PI
CE
BA
MG
ES
RJSP
PR
SC
RS
MS
MT
GO
DF
RNPB
PE
AL
SE
TO
ABC BrasilOffices
Note: Cities in bold indicate where there was office opened in 2011
Presence in 20 cities and 6 newOffices opened in 2011
6
. Who we are
. Business Segments
. Competitive Environment
. Financial Highlights
7
Business Segments
7
BRL million
Loan Portfolio
CorporateCompanies with annual revenues
over BRL 250 million
Loan Portfolio
MiddleCompanies with annual revenues
from BRL 30 to 250 million
Total Portfolio Total Portfolio
19.7%
2.0%
23.4%
6.3%
6.7%
-2.0%
24.8%
6.7%
8,790.8 9,323.9
10,023.8 10,314.3 10,522.1
2Q10 3Q10 4Q10 1Q11 2Q11
1,388.0 1,401.7 1,564.5 1,611.3 1,712.6
2Q10 3Q10 4Q10 1Q11 2Q11
5,426.1 5,784.0 6,109.0 5,905.2 5,788.7
2Q10 3Q10 4Q10 1Q11 2Q11
1,346.1 1,365.3 1,520.4 1,573.9 1,680.0
2Q10 3Q10 4Q10 1Q11 2Q11
8
Segments Highlights
8
Minas Gerais / Goiás
South
Rio de Janeiro
São Paulo Countryside
São Paulo Capital
Corporate Middle Market
8,791 10,314 10,522 1,388 1,611 1,713
Average
Ticket
(BRL Million)
Average Tenor
(days)
Total Number
of Clients
Clients with
Credit Exposure
48% 43% 43%
11% 13% 12%9%10% 10%
27%29% 28%6%
5%7%
Jun/10 Mar/11 Jun/11
57% 54% 54%
21%21% 20%
13%15% 17%9%
10% 10%
Jun/10 Mar/11 Jun/11
360385 367 261
234 234
2.3 2.1 2.0
558 509 524
612 750 840
15.8 20.3 20.1
699 717 728 740 930 1,040
Jun/10 Mar/11 Jun/11 Jun/10 Mar/11 Jun/11
Credit Portfolio
(BRL Million)
BRL million
9
. Who we are
. Business Segments
. Competitive Environment
. Financial Highlights
10
Brazilian Banking Sector
ABC Brasil focuses on the Corporate and Middle Market segments
Larg
e
Corp
orate
Corp
orate
Mid
dle
Market
Reta
il
Number of Clients
Revenues Range
2,000+
250-2,000
30-250
Individuals andsmall companies
Main Competitors
Big retail banks
Middle-sized international banks
Big retail banks
Middle-sized international banks
Big retail banks
Middle-sized family owned banks
Big retail banks
Middle-sized international banks
Middle-sized family owned banks
10
BRL million
11
. Who we are
. Business Segments
. Competitive Environment
. Financial Highlights
1212
Credit Portfolio Quality
Loan Loss Reserves (% portfolio)
Write Off
Past Due (90 days)
Brazilian Central BankResolution 2682
0.66%
1.27%
0.95%
1.84%
2.28%
1.04%
0.69%0.60% 0.71%
0.39%0.57%
0.40%0.21%
0.34%
0.64%
1.18%
0.65%0.57%
0.11% 0.17% 0.15%
0.12% 0.10%0.38%
0.98%
0.52% 0.51%
0.05% 0.06% 0.08%
4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
MiddleTotalCorporate
2.30% 2.24%
4.03%
5.54%
3.65%3.33%
3.60% 3.59% 3.45%
1.03% 1.05%
2.23%
2.98%
2.25%1.92% 1.62% 1.72% 1.69%
0.79%0.74%
1.80%2.29%
1.83%
1.13%1.22% 1.18%
4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4T10 1Q11 2Q11
Middle
Total
Corporate
0.08%
0.26%
0.13%
0.75% 0.69%
0.21%
0.50%
0.27%
0.47%
0.32%
0.04%0.11%
0.04% 0.04%
0.16%
0.28%
0.09%
0.32%
0.12%0.16%
0.08% 0.10% 0.06%
0.03% 0.08%0.01% 0.00%
0.13%
0.04%
0.27%
0.00%0.07% 0.03% 0.00% -0.01%
4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Middle
Total
Corporate
AA-C 98.1%
D-H 1.9%
13
2Q10 3Q10 4Q10 1Q11 2Q11
1,862.6 1,924.5 1,723.3 1,792.5 1,938.8
3,583.6 3,113.9 3,314.7 3,271.6 3,525.7
1,796.1 2,140.5 2,386.7 2,387.7 2,240.9
1,816.2 1,827.6 1,836.3 1,872.9 1,886.1
9,058.6 9,006.4 9,261.0 9,324.7 9,591.5 Total
16% 14% 14% 14% 15%
6% 6% 5% 5% 5% Subordinated Debt
Shareholders´ Equity
20% 24% 26% 26% 23%BNDES
20% 21% 19% 19% 20% International
12% 10% 11% 11% 10%
11%9% 9% 9% 10%
9%6% 6% 7% 7%
8%
10% 10% 8% 10% Individual Investors
Financial Institutions
Institutional Investors
Corporate Investors
Funding
13
BRL million
37%35%36%35%40%
14
Basel Index & Shareholders Equity
14
12.5% 12.1% 11.7% 11.6% 11.6%
5.2% 4.8% 4.3% 4.1% 3.8%
2Q10 3Q10 4Q10 1Q11 2Q11
Tier II
Tier I (Core Capital)
Shareholders´ Equity(BRL Million)
17.7% 16.9% 16.0% 15.7% 15.4%
1,279.1 1,312.1
1,347.9 1,384.3
1,424.2
Capital Adequacy (BRL million) 2Q11 1Q11 2Q10Chg(%)/p.p.
2Q11/1Q11
Chg(%)/p.p.
2Q11/2Q10
Capital 1,886.4 1,866.1 1,821.8 1.1% 3.5%
Mininum Capital Required 1,348.1 1,305.8 1,128.0 3.2% 19.5%
Capital Surplus 538.3 560.3 693.8 -3.9% -22.4%
Basel Index 15.4% 15.7% 17.7% -0.3 -2.3
Tier I (Core Capital) 11.6% 11.6% 12.5% 0.0 -0.9
Tier II 3.8% 4.1% 5.2% -0.3 -1.4
BRL million
15
Financial Margin
15
BRL million
NIM (% p.a.)
5.3% 5.1% 5.4% 5.6% 5.5% 5.5% 5.5%
2Q10 3Q10 4Q10 1Q11 2Q11 6M10 6M11
2Q11 1Q11 Chg (%) 2Q10 Chg (%) 6M11 6M10 Chg (%)
Net Interest Income before Loan Loss Provision (LLP) 133.5 135.4 -1.4% 108.5 23.1% 268.9 221.8 21.2%
Financial Margin w ith Clients 118.7 121.8 -2.6% 104.7 13.3% 240.5 198.5 21.1%
Financial Margin w ith Market 14.9 13.5 9.9% 8.6 73.1% 28.4 23.3 21.9%
Managerial Loan Loss Provision (LLP) (5.7) (12.7) -55.2% (10.9) -47.7% (18.4) (25.0) -26.2%
Published Loan Loss Prov ision (LLP) (1.7) (12.3) -86.2% (9.0) -81.0% (14.0) (22.8) -38.4%
Gain (Loss) w ith Assets Held for Sale (4.0) (0.4) 940.6% (1.9) 109.5% (4.4) (2.2) 101.6%
Managerial Financial Margin 127.8 122.6 4.2% 97.6 31.0% 250.5 196.8 27.2%
16
Income from Services
16
BRL million
Banking Service Fees (BRL million) 2Q11 1Q11 Chg (%) 2Q10 Chg (%) 6M11 6M10 Chg (%)
Guarantees Issued 22.6 20.8 8.5% 16.5 36.8% 43.4 31.4 38.3%
Capital Markets and M&A Fees 2.8 2.0 40.1% 1.6 77.5% 4.8 4.0 19.8%
Banking Tariffs 5.4 6.8 -19.9% 8.1 -32.9% 12.3 15.2 -19.5%
Total 30.9 29.6 4.1% 26.2 17.7% 60.5 50.6 19.5%
7,4129,886
12,355 14,050 14,882 16,509 17,43619,570 20,826 22,587
2,587
3,069
3,7295,113
7,1058,119 4,947
6,9056,804
5,450
303
485
29
6342,444
1,589 459
8,1832,013 2,820
1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10 4Q10 1Q11 2Q11
Capital Markets and M&A Fees
Banking Tariffs
Guarantees Issued
14.0% 14.4%15.9%
17.3%
20.5% 20.1%
17.5%
23.4%
19.6% 19.1%Income from Services
Total of Revenues
17
Expenses
17
BRL million
Efficiency Ratio
Expenses (BRL million) 2Q11 1Q11 Chg (%) 2Q10 Chg (%) 6M11 6M10 Chg (%)
Personnel (27.4) (26.2) 4.6% (22.4) 22.3% (53.5) (43.3) 23.6%
Other administrativ e ex penses (16.9) (15.4) 10.3% (13.5) 25.0% (32.3) (27.9) 15.8%
Profit Sharing (16.8) (17.6) -4.9% (15.4) 8.5% (34.4) (30.9) 11.3%
Total (61.1) (59.1) 3.3% (51.4) 18.9% (120.2) (102.1) 17.7%
37.6% 37.0% 37.9% 37.7% 38.8% 37.8% 38.2%
2Q10 3Q10 4Q10 1Q11 2Q11 6M10 6M11
18
Profitability
18
BRL million
Net Income ROAE (p.a.)
50.2 51.1 54.0 56.7 60.2
97.1116.9
2Q10 3Q10 4Q10 1Q11 2Q11 6M10 6M11
15.9% 15.8% 16.3% 16.6% 17.2%15.6%
16.9%
2Q10 3Q10 4Q10 1Q11 2Q11 6M10 6M11
19
Sergio Lulia Jacob Financial Vice-President
Alexandre Sinzato, CFA Head of Investor Relations
Web Site: www.abcbrasil.com.br/irEmail: [email protected]: +55 (11) 3170-2186
19
Investor Relations
20
IPO
1989 1997 2005 20112007
Appendix – History in Brazil
Arab Banking
Corporation and local
management acquire
Roberto Marinho
Group’s shares
The bank’s name
changes to
Banco ABC Brasil S.A.
The bank
structures its
Middle Market
operations
Arab Banking Corporation and
Roberto Marinho Group jointly
initiate Banco ABC Roma
S.A., acting in the segments of
corporate lending, trade
finance and treasury
20
21
Appendix – Controlling Shareholder
International bank headquartered in Bahrain
Listed in the Bahrain stock exchange
Present in 22 countries
Main Shareholders
Central Bank of Libya 59.4%
Kuwait Investment Authority 29.7%
Free-float 10.9%
21
Total Assets: US$ 28.0 Bn
Shareholders’ Equity: US$ 3.6 Bn
BIS Ratio of 23.0% | Core capital (Tier I) of 18.7%
More than 70% of liquid assets to deposits ratio
22
Disclaimer
The following material, on this date, is a presentation containing general information about theBanco ABC Brasil S.A. We offer no guarantee and make no declaration, implicitly orexplicitly, as to the accuracy, completeness or scope of this information.
This presentation may include forward-looking statements of future events or results accordingto the regulations of the Brazilian and International securities and exchange commissions.These statements are based on certain assumptions and analyses by the Company that reflectits experience, the economic environment, future market conditions and expected events bythe company, many of which are beyond the control of the Company. Important factors thatmay lead to significant differences between the actual results and the statements ofexpectations about future events or results include the company’s business strategy, Brazilianand International economic conditions, technology, financial strategy, financial marketconditions, uncertainty regarding the results of its futureoperations, plans, objectives, expectations and intentions, among others. Considering thesefactors, the actual results of the company may be significantly different from those shown orimplicit in the statement of expectations about future events or results.
The information and opinions contained in this presentation should not be understood as arecommendation to potential investors and no investment decision is to be based on theveracity, current events or completeness of this information or these opinions. No advisors tothe company or parties related to them or their representatives should have any responsibilityfor any losses that may result from the use or contents of this presentation.