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Financial Results

Financial Results. 2002. Net Income R$ million. 2,028. 1,082. 1,205. 823. 778. 2001. 2002. 304. 1H01. 2H01. 1H02. 2H02. 605. 600. 474. 446. 349. 332. 167. 137. 1Q01. 2Q01. 3Q01. 4Q01. 1Q02. 2Q02. 3Q02. 4Q02. Net Income R$ million. 22.8. 22.6. 20.6. 16.6. 12.9.

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Financial Results

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  1. Financial Results 2002

  2. Net Income R$ million 2,028 1,082 1,205 823 778 2001 2002 304 1H01 2H01 1H02 2H02

  3. 605 600 474 446 349 332 167 137 1Q01 2Q01 3Q01 4Q01 1Q02 2Q02 3Q02 4Q02 Net Income R$ million

  4. 22.8 22.6 20.6 16.6 12.9 2001 2002 Jan-Mar/02 Jan-Jun/02 Jan-Sept/02 Return on Equity Annualized (%) 15%*

  5. Income Statement Corporate Legislation - R$ million Chg, % Year Flow 2001 2002 2001 4,866 8,025 64.9 Gross Result from Fin, Brokerage 3,760 4,444 Service Income 18.2 -5,575 -5,533 Personnel Expenses -0.8 Other Administrative Expenses -3,586 -4,081 13.8 Other Operating Items 1,905 330 -0.8 Operating Income 1,370 3,185 132.5 Non-Operating Income 79 172 117.7 1,449 3,357 131.7 Income Before Taxes -301 -1,184 293.4 Income Tax and Social Contribution -66 -145 119.7 Statutory Profit Sharing 1,082 2,028 87.4 Net Income

  6. Balance Sheet Dec/01 Dec/02 Chg.% R$ million Assets 165,120 204,595 23.9 74,364 90,343 21.5 Liquidity Assets 40,298 51,470 27.7 Loan and Leasing Operations Other Assets 62,782 50,458 24.4 Liabilities 165,120 204,595 23.9 73,436 97,253 Deposits 32.4 Demand Deposits 18,831 24,342 29.3 Savings Deposits 21,242 26,918 26.7 Interbank Deposits 4,220 3,876 -8.2 29,142 42,117 44.5 Time Deposits Open Market Funds 43,753 48,327 10.5 Other Liabilities 39,184 49,817 27.1 9,197 5.1 Shareholders’ Equity 8,747

  7. 15.4 15.0 14.5 14.1 13.8 Dec/01 Mar/02 Jun/02 Sept/02 Dec/02 66.8 66.2 64.5 61.4 57.3 17.5 17.4 17.1 16.2 15.7 Dec/01 Mar/02 Jun/02 Sept/02 Dec/02 Customer Base million Asset Management R$ billion

  8. 82.0 80.3 67.4 2001 2002 Coverage Ratio - Accumulated (%) (Service Income /Personnel Expenses)

  9. 3,582 3,545 3,485 3,460 3,453 5,773 5,675 5,483 5,185 5,015 2001 1T02 2T02 3T02 2002 Others Branches Points of Service

  10. 7.2% 24.2% 11.4% 37.0% Variation % 20.2% Region Dec/01 to Dec/02 Southeast 13.8 Others 8.6 Brazil 10.5 Distribution Network

  11. 33,645 33,002 32,936 32,810 32,287 Dec/01 Mar/02 Jun/02 Sept/02 Dec/02 Automated Teller Machines - ATMs

  12. 65.0 69.2 59.1 2001 2002 Cost/Income Ratio - Accumulated (%) (Administrative Expenses/Operating Income)

  13. Dec/01 Sept/02 Dec/02 2.4% 2.2% 2.4% 8.5% 5.4% 7.6% 6.4% 15.2% 10.6% 74.6% 77.2% until 30 from 31 to 180 from 181 to 360 over 360 Securities Portfolio R$ millions Balance Jun/02 Part, % Sept/02 Part, % Dec/02 Part, % Available for Trading 3,325 4.8 3,710 4.9 3,585 5.1 Available for Sale 40,377 58.9 45,991 60.7 41,303 58.2 Held to Maturity 24,542 35.8 25,670 33.9 25,763 36.3 346 0.5 400 0.5 292 0.4 Derivatives Total 68,590 100,0 75,770 100,0 70,943 100,0 87.6%

  14. 2001 2001 Others Internacional Retail 3,0% 14,6% 24,6% 2002 2002 Commercial Agribusiness 29,4% Others 28,4% Internacional Retail 3,3% 14,4% 23,8% Commercial Agribusiness 26,6% 31,9% Credit Portfolio Profile (Multiple Bank Balances and Subsidiaries in the Country)

  15. 6.9 6.8 6.7 6.7 6.4 2.1 2.0 2.0 1.9 1.8 1.5 1.5 1.4 1.4 1.3 Dec/01 Mar/02 Jun/02 Sep/02 Dec/02 Consumer Credit Overdraft Account Working Capital Main Retail Operations R$ billions

  16. 6.4 6.0 5.8 5.6 5.1 2.7 2.6 2.6 2.4 2.2 2.0 1.9 1.9 1.7 1.6 Dec/01 Mar/02 Jun/02 Sept/02 Dec/02 Receivables Investments Working Capital Main Wholesale Operations R$ billions

  17. Agribusinees Operations R$ billion 16.8 13.8 13.1 12.4 11.7 49.5% 48.7% 49.5% 49.4% 50.0% 50.5% 50.5% 51.3% 50.0% 50.6% dec/01 mar/02 june /02 sept /02 dec/02 Defrayal Others

  18. E,F,G and H 5.5% C and D 9.7% AA, A and B E,F,G and H 84.8% 8.5% C and D 14.6% AA, A and B 76.9% Credit Risk BB SFN

  19. 2001 2002 Total Credit Portfolio 49,894 63,051 Non Performing Loans 3,675 3,801 NPL / Total Credit Portfolio - % 7.4 6.0 NPL more than 60 days 2,206 2,105 NPL more than 60 days / Total Credit Portfolio- % 4.4 3.3 Write offs 2,034 2,030 Credit Recovery 877 722 Losses Balance 1,158 1,309 Losses Balance / Total Credit Portfolio - % 2.3 2.1 Provisions / Total Credit Portfolio - % 5.3 5.9 Provisions / NPL more than 60 days - % 120.4 177.0 Provisions / Credit Portfolio from risk C to H 2,394 2,897 Provisions / Credit Portfolio from risk E to H 2,183 2,604 Credit Risk R$ million

  20. 145.9 145.6 117.2 49.7 48.3 43.0 43.8 42.1 29.1 26.3 26.9 24.3 21.4 21.2 18.8 5.6 4.2 3.9 Interbank Deposits Demand Deposits Savings Deposits Time Deposits Open Market Funds Total Dec/01 Sept/02 Dec/02 Market Funding R$ billion

  21. Balances Dec/01 Sept/02 Dec/02 88,826 107,797 103,859 Risk weighted assets 10,471 12,472 12,024 Required Shareholders’ equity Referential Equity 12,062 12,389 13,377 1,591 -82 1,353 Shareholders’ equity surplus/deficit Leverage surplus/deficit 14,463 -749 12,302 K coefficient % 12.7 10.9 12.2 Capital Adequacy R$ millions

  22. Dec/01 Sept/02 Dec/02 Referential Equity 12,062 12,389 13,377 Tier I 8,714 8,375 9,172 Capital 7,435 7,435 7,435 Capital Reserves 5 5 5 Revenue Reserves 1,274 2,180 2,969 Detattached Account - (1,724) (1,111) Treasure Stocks - (126) (126) Income Accounts - 605 - Tier II 3,348 4,014 4,205 Subordinated Debt 3,314 3,979 4,180 Revaluation Reserves 33 35 25

  23. 12.7 12.2 11.6 10.9 11.0 9.3 9.2 8.4 7.8 7.4 Dec/01 Mar/02 Jun/02 Sept/02 Dec/02 Capital Adequacy Ratio- % 13.1

  24. 12.5 12.2 11.9 11.8 11.8 Dec/01 Mar/02 Jun/02 Sept/02 Dec/02 Tax Credit R$ billion

  25. Highlights 1º in Assets - R$ 204.6 billions; 1º in Asset Management - R$ 66.6 billions - 17.4% market share; 1º in deposits - R$ 97.2 billions; Leader in FX - 22% market share; Largest Distribution Network in Brazil - 9,355 points of service; Largest customer base - 15,4 million  customers.

  26. Investor Relations Division SBS - Quadra 1 - Bloco C - Ed. Sede III - 17° andar 70073-901 - Brasília (DF) Phone: 55 61 310 5920 Fax: 55 61 310 3735 www.bb.com.br ri@bb.com.br

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