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Banco do Brasil 4Q09

Banco do Brasil 4Q09. Disclaimer.

charissa-harmon
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Banco do Brasil 4Q09

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  1. Banco do Brasil 4Q09

  2. Disclaimer This presentation may include 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, they also involve imprecision and high difficult risks to be foreseen, consequently, they may conduct to a different result than the one anticipated here. These expectations are highly dependent on market conditions, on Brazil’s economic and banking system performances, as well as on international market one. Banco do Brasil is not responsible for bringing up to date any estimate in this presentation. Banco do Brasil informs that it has initiated studies to realize an eventual public offering. Before investing in stocks of Banco do Brasil, read carefully the Offering Memorandum, specially the “Risk Factors” session.

  3. Ownership Structure Price Index IPCA¹ - % Interest Rate Selic² - % (1) 12 months Source: IBGE (2) End of Period Source: Brazilian Central Bank Total Payroll Index³ Unemployment Index4 - % (3) Base 100 May/2002 Source: IBGE (4) 12 months average Source: IBGE

  4. Banking Industry Banking Industry Loan Portfolio - R$ trillion Banking Industry Loan Operations¹ - R$ trillion Public Private Individuals Businesses Loan/GDP - % Consumer Loans² - R$ billion Credit Risk Allowance / Loan Portfolio - % Vehicles Mortgage Payroll Past Due Loan +90 days / Loan Portfolio - % (1) Loan as Reference for Interest Rate (2) Free Resources Source: Central Bank

  5. Shareholders General Meeting Board of Auditors Board of Directors Audit Committee Internal Audit Board of Officers CEO VP of International Business and Wholesale VP of Retail Business VP of Retail and Distribution VP of Agribusiness VP of Government VP of Finance, Capital Markets and IR VP of Technology and Logistics VP of People Management and Sustainable Development VP of Credit, Controllership and Global Risk Government Logistics Internal Controls Controllership Foreign Trade Cards Distribution and Retail Channels Agribusiness Finance People Management Technology Strategy and Organization Credit Commercial Loans and Financing Retail Capital Markets and Investment Relations with Employees and Sponsored Entities Software Development Security Management Risk Management International Insurance, Pension Plans and Capitalization Investor Relations Micro and Small Enterprises Sustainable Development IT Infraestructure Legal Reestructuring of Operational Assets São Paulo Distribution Pension Fund Management Operational Support Marketing and Communication Accounting High Income Executive Secretariat Channel Mannagement Directorships Units Position: Dec.31, 2010

  6. Banco do Brasil National Treasury 53,6502 % Previ 10,3681 % BNDESPAR 2,4285 % Individuals 5,3836 % Businesses 5,0108 % Foreign Capital 11,7875 % Treasury Stock 0,1101 % PPP Guarantee Fund 2,3348% Export Guarantee Fund 8,9266 % C O N T R O L L E D COBRA BB-99,88% ON 99,94% Total BI-0,00653% ON 0,00327% Total BB LEASING BB - 100% ON 100% Total BB DTVM BB -100% ON 100% Total BESCVAL BESCREDI BESCLEASING BB -100% ON 100% Total BB CARTÕES BB - 100% ON 100% Total BB BI BB - 100% ON 100% Total BANCO POPULAR DO BRASIL BB -100% ON 100% Total BAMB BB -100% ON 100% Total BB LEASING Co. LTD BB - 100% ON 100% Total BANCO DO BRASIL AG VIENA BB -100% ON 100% Total BB CONSÓRCIOS BB - 100% ON 100% Total BB CORRETORA BB - 100%ON 100% Total NOSSA CAIXA ADM. DE CARTÕES BB – 100% ON 100% Total NOSSA CAIXA CAPITALIZAÇÃO BB – 100% ON 100% Total BANCO DO BRASIL SECURITIES LLC BB - 100% ON 100% Total BB USA HOLDING COMPANY, INC. BB AG -100% ON 100% Total ATIVOS S.A. BB BI - 49% ON 74,50 % Total BAMB - 51% ON 25,50% Total BB SECURITIES BAMB -100% ON 100% Total BB TURISMO BAMB - 99% ON BB Leasing - 1% ON 100% Total BB MONEY TRANSFERS, INC. BB USA HoldCo-100% ON 100% Total BB ALIANÇA PARTICIPAÇÕES BB – 100% ON 100%Total BB SEGUROS PARTICIPAÇÕES BB – 100% ON 100%Total A F F I L I A T E D C O M P A N I E S / BB BI H O L D I N G S BB ALIANÇA PARTICIPAÇÕES BB SEGUROS PARTICIPAÇÕES BB BI BANCO DO BRASIL Strategic Participation Strategic Participation Non-strategic Participation Participações Estratégicas Strategic Participation Aliança do Brasil 100% ON 100% Total Insurance Group SBCE BB-BI 12,088% ON 12,088% Total’’ ITAPEBI BB-BI 19% ON 19% Total PRONOR BB 1,77% PN 1,05% Total BB-BI 5,51% PN 3,27% Total BBDTVM 29,51% ON 12,02% Total BANCO VOTORANTIM BB 49,99% ON 50% Total BANCO VOTORANTIM BB 49,99% ON 50% Total BRASILPREV BB Seguro 49,99% ON 49,99% Total BRASILCAP BB Seguros 49,99% ON 49,99% Total MAPFRE NOSSA CAIXA BNC 49% ON 49% Total Other Participation KEPLER WEBER BB-BI 18,94% ON 17,65% Total BBDTVM 0,0245% ON 0,0228% Total NEOENERGIA BB-BI 8,81% ON 11,99% Total EBP BB BI 11,11% ON 11,11 Total Participação Não Estratégica BRASILSAÚDE BB Seguros 49,99% ON 49,99% Total BRASIL VEÍCULOS BB Seguros 40% ON 70% Total Non-strategic Participation CADAM BB 56,19% PN 21,64% Total CADAM BB 56,19% PN 21,64% Total VISA VALE BB BI 35,00% ON 40,35% Total CIELO BB BI 23,54% ON 23,54% Total CIBRASEC BB-BI 9,09% ON 9,09% Total BB 3,03% ON 3,03 % Total TECBAN BB BI 13,53% ON 13,53%% Total F O U N D A T I O N M A N A G E D S P O N S O R E D BB PREVIDÊNCIA Closed Private Pension Entity FBB CASSI PREVI

  7. BNDESPar 10.0 Foreign Investors National Treasure PREVI Others Ownership Structure Participation¹ Free Float - % 21.8 Free float: 21.8% 21.7 21.5 14.8 10.0 10.2 11.7 7.6 6.9 11.8 11.3 3.4 10.0 7.2 3.5 2005 2006 2007 2008 2009 ¹ There is 0.1% left in reference to BNC’s acquisition shares.

  8. 3.1 1.6 2.5 1.4 2.1 1.8 1.0 0.8 1.3 0.6 2005 2006 2007 2008 2009 2005 2006 2007 2008 2009 4.0 3.4 2.5 2.0 1.7 2005 2006 2007 2008 2009 Share’s Performance Dividends and Interest on Own Capital / Share – R$ Price / Book Value Earnings / Share – R$ Price / Earnings 14.9 8.6 7,3 7.5 4.3 2005 2006 2007 2008 2009

  9. Banco do Brasil Ibovespa Bradesco Itaú Share’s Performance 242.6 174.2 166.7 161.8

  10. 32.1 32.5 4.1 3.5 2.4 30.7 2.0 1.5 26.9 26.8 76.3 75.3 10.1 8.8 52.8 Net Interest Income – R$ billion 6.0 37.7 33.7 5.1 Market Capitalization – R$ billion 4.2 2005 2006 2007 2008 2009 2005 2006 2007 2008 2009 ROE - % Dividends and Interest on Own Capital - R$ billion Profitability

  11. Assets 708.5 R$ billion 521.3 367.2 296.4 253.0 CAGR = 44.0% 2005 2006 2007 2008 2009

  12. 36.1 17.3 17.1 15.6 15.2 29.9 13.7 5.6 5.4 24.3 4.9 4.3 20.8 4.0 16.8 11.7 11.7 10.7 10.9 9.7 Shareholder’s Equity – R$ billion 2005 2006 2007 2008 2009 2005 2006 2007 2008 2009 Tier II Tier I Capital Structure Basel

  13. 498.4 11.8 56.5 362.0 CAGR (%): 48.1 75.7 14.3 51.9 27.7 260.6 160.8 208.1 5.6 55.0 13.4 51.3 168.2 5.2 91.1 31.7 40.1 45.8 5.5 35.8 36.7 105.8 72.3 32.8 50.2 49.3 193.5 30.5 149.6 85.5 76.9 63.5 2005 2006 2007 2008 2009 Money Market Borrowing Saving Deposits Time Deposits Demand Deposits Others Funding R$ billion

  14. 20.1 17.1 16.5 16.0 15.3 300.8 17.3 CAGR (%): 47.9 224.8 Abroad 66.4 15.1 20.9 Agro 160.7 20.4 63.7 133.2 11.4 125.3 101.8 PF 55.4 12.2 51.9 9.2 45.1 PJ 97.2 98.7 35.7 65.5 51.9 91.8 38.5 48.8 32.0 24.0 18.4 2005 2006 2007 2008 2009 Market Share1 - % Loan Portfolio R$ billion (*) BV and BNC are included since 2009 (1) Domestic Loan Portfolio

  15. 91.8 1.5 2.4 20.7 9.3 21.2 Mortgage 36.5 CAGR (%): 98.7 Overdraft Account 1.7 48.8 2,566.5 Vehicle Loans¹ 0.1 2.5 32.0 Credit Cards 67.4 6.7 24.0 18.4 2.3 7.6 Others 2.1 3.0 214.2 2.2 3.8 0.9 14.3 Payroll Loans² 0.2 2.8 11.0 28.7 2.5 9.9 9.7 17.6 11.9 8.3 3.8 2005 2006 2007 2008 Consumer Finance R$ billion 2009 * BV and BNC are included since 2009

  16. 125.3 CAGR (%): 55.4 97.2 46.9 44.9 61.0 34.9 65.5 51.9 24.6 38.5 18.3 80.4 15.4 62.3 40.9 33.6 23.1 2005 2006 2007 2008 2009 Middle and Corporate Enterprises SME Credit to Businesses R$ billion * BV and BNC are included since 2009

  17. 66.4 63.7 CAGR (%): 20.4 19.2 51.9 18.5 45.1 12.7 11.7 64.4 8.5 35.8 5.3 47.3 45.2 40.2 36.6 30.5 2005 2006 2007 2008 2009 Individuals Businesses Credit to Agribusiness R$ billion

  18. 60.9% ... BB extends the use of agricultural insurance each crop. Crop Insurance Breakdown- % Working Capital (R$ billion) 11.6 15.5 11.2 60.9% 73.5% 78.9% 41.9% Without insurance With insurance *until December/2009 Reinsurance 76.9%

  19. 5.0 4.7 4.6 3.7 Provision charges / Loan Portfolio¹ - % Provision Charges² - R$ million 3.6 11,629 6,800 5,743 5,380 4,527 2005 2006 2007 2008 2009 Required and Additional Provision / Loan Portfolio - % Past Due Loans + 90 days / Loan Portfolio - % Annualized Net Loss³ / Loan Portfolio - % Credit Risk 6.6 6.5 6.4 6.2 6.1 3.4 3.3 2.7 2.5 2.4 2.2 2.3 2,1 1.5 1.4 2005 2006 2007 2008 2009 (1) Average Loan Portfolio and 12 months expenses (2) Without one-off items (3) Net of credit recovery

  20. 33.1 24.5 20.8 18.1 16.7 65.3 58.4 23.6 23.9 40.0 36.7 33.6 14.7 15.1 14.4 41.7 34.5 25.3 21.6 19.2 2005 2006 2007 2008 2009 Loans Revenues Other Interest Revenues Net Interest Income Net Interest Income R$ billion

  21. 67.0 64.0 30.1 28.7 55.8 53.7 25.4 45.1 21.0 18.9 18.7 19.0 15.1 12.5 11.9 9.9 8.4 8.1 7.2 6.9 6.7 8.6 8.1 7.6 7.0 6.7 6.3 6.0 5.5 5.3 5.1 2005 2006 2007 2008 2009 2005 2006 2007 2008 2009 Spread NIM by Product NIM vs. Selic Global Spread¹ / Cumulative Selic² - % Individuals adjusted³ - % Individuals - % Cumulative Selic² - % Businesses - % Global¹ - % Agribusinesses - % (1) Net Interest Income over Earning Assets (3) Includes loan fees from Banco Votorantim (2) Annualized

  22. 48.1 47.5 46.2 45.6 40.7 48.4 35.2 30.9 28.9 27.3 19.7 16.1 14.3 13.7 13.1 2005 2006 2007 2008 2009 Administrative Expenses¹ Cost / Income Ratio without one-off items - % Operating Income¹ Productivity (1) without one-off items

  23. 136.2 128.2 127.7 112.9 102.3 13.5 11.8 10.5 9.9 8.9 8.7 7.9 7.8 7.6 7.5 2005 2006 2007 2008 2009 Personnel Expenses 1 Coverage Ratio without one-off items - % Fee Income Productivity (1) without one-off items

  24. 88.6 66.2 50.1 37.9 30.3 CAGR (%) 26.1 47.1 25.4 21.3 14.1 9.0 9.3 44.3 56.0 52.7 47.2 41.7 40.0 2005 2006 2007 2008 2009 Revenues – R$ billion Debit Cards Issued Credit Cards Issued Credit e Debit Cards 82.1 78.1 68.5 55.8 49.3

  25. 17.9 104.0 16.0 15.3 15.1 14.8 89.0 83.8 82.7 81.9 4.9 4.3 4.0 4.0 3.9 13.0 11.6 11.3 11.1 10.9 2005 2006 2007 2008 2009 2005 2006 2007 2008 2009 Others Branches 92.0 45.4 91.3 91.1 40.2 39.7 39.7 39.3 90.0 89.2 2005 2006 2007 2008 2009 2005 2006 2007 2008 2009 Structure Employees - thousand Points of Service - thousand ATM – thousand Transaction in Automated Channels - %

  26. Structure 1 North Retail 247 Wholesale 2 Government 7 Private Banking 2 5.2% Northeast Retail 1,001 Wholesale 7 Government 9 Private Banking 10 20.7% Midwest Retail 395 Wholesale 5 Government 5 Private Banking 13 8.4% 43.6% Southeast Retail 2,067 Wholesale 46 Government 5 Private Banking 42 22.1% South Retail 997 Wholesale 22 Government 3 Private Banking 12 (1) without BNC

  27. 6.4 6.1 11.2 10.9 39.6 ATM 40.6 Internet Individuals 8.9 8.0 Internet Businesses Cash POS 19.3 15,4 14,3 19.3 Others Structure Internet Banking – million of clients 2009 9.3 2008 8.6 2007 8.5 2006 8.2 2005 7.9 Transactions per Channels - % 2008 2009 TAA Internet PF Internet PJ Caixa POS Demais

  28. Foreign Wholesale Investor 9.6% 4.3% Government 306.7 24.1% Insitucional 37.7% 246.3 Retail 220.1 24.3% 182.7 153.5 Others 12.4% Equities 16.9% Fixed Income 56.0% Multi-strategy 2005 2006 2007 2008 2009 14.7% Asset Manegement Cliente Profile R$ billion Investiment Profile CAGR = 23.9%

  29. Credit Cards and insurance businesses boost revenues. Fee Income Asset Management¹ Asset Management Fees - R$ million R$ billion R$ billion = 14.4% = 1.5% Credit Card Total Revenues Insurance Net Income Insurance Ratio² - % R$ billion R$ million = 33.9% = 30.8% (2) Insurance Net Income / BB’s Recurring Net Income (1) BV are included since 3Q09

  30. Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III – 5th floor 70073-901 - Brasília (DF) Phone: 55 (61) 3310 3980 Fax: 55 (61) 3310 3735 bb.com.br ri@bb.com.br For further information access bb.com.br/ir

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