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Banco do Brasil 2Q09

Banco do Brasil 2Q09. 18.0. 13.8. 13.3. 11.3. 9.3. 5.9. 5.7. 4.8. 4.5. 3.1. 2005. 2006. 2007. 2008. 1H09. Selic Interest Rate. IPCA - Price Index. Economic Environment. Ratio - %. 206.8. 180.3. 85.8. 53.8. 46.1. 44.7. 40.0. 24.7. Sovereign Risk - basis points.

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Banco do Brasil 2Q09

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  1. Banco do Brasil 2Q09

  2. 18.0 13.8 13.3 11.3 9.3 5.9 5.7 4.8 4.5 3.1 2005 2006 2007 2008 1H09 Selic Interest Rate IPCA - Price Index Economic Environment Ratio - %

  3. 206.8 180.3 85.8 53.8 46.1 44.7 40.0 24.7 Sovereign Risk - basis points International Reserves Volume Trade Balance Economic Environment US$ billion 208.4 14.0 2005 2006 2007 2008 1H09

  4. 43.7 41.3 34.2 28.1 30.2 54.7 52.2 52.8 51.9 51.6 48.1 47.8 47.2 48.4 45.3 2006 2007 2008 2005 Businesses Individuals SFN: Loan / GDP - % Banking Industry 1H09 Loan Segments - Free Resources % Source: Brazilian Central Bank

  5. 12.6 13.1 14.3 14.0 20.4 25.1 26.8 28.9 32.7 33.1 34.0 30.3 32.6 28.7 26.8 26.6 2005 2006 2007 2008 Loan Segments Individual Loan Segments¹ - % 14.7 30.8 28.3 26.2 1H09 Others Payroll Loan Vehicles Credit Cards / Overdraft Account ¹ Referential Credito to Tax Rate Source: Brazilian Central Bank

  6. 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 Cards and New 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 Human Resources and Social Environmentall Responsability VP of Credit. Controlling and Risk Management Internal Controls Strategy and Organization Foreign Trade Cards Distribution and Retail Channels Agribusiness Government Finance Logistics Human Resources Controlling Security Management Wholesale New Retail Business Retail Pension Fund Management Capital Markets and Investment Employee Relations and Social Env. Resp. Credit Technology Legal International Risk Management Insurance. Pension and Capitalization Micro and Small Enterprises Marketing and Communication Investor Relations Software Development Executive Secretariat Low Income Reestructuring of Operational Assets IT Infraestructure High Income Operational Support Accounting Units Directorships

  7. Banco do Brasil C O N T R O LLED BB LEASING Co. LTD BB - 100% ON 100% Total BANCO POPULAR DO BRASIL BB -100% ON 100% Total BB CONSÓRCIOS BB - 100% ON 100% Total BAMB BB -100% ON 100% Total BB DTVM BB -100% ON 100% Total BB BI BB - 100% ON 100% Total COBRA BB-99.36% ON 99.35% Total BI-0.04% ON 0.04% Total BB LEASING BB - 100% ON 100% Total BB CORRETORA BB - 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 VIENA BB -100% ON 100% Total BB CARTÕES BB - 100% ON 100% Total BANCO DO BRASIL SECURITIES LLC BB - 100% ON 100% Total RELATED COMPANIES / PARTICIPATION B B B I B B Strategic Participation Non-Strategic Participation Other Participation Securities Group CADAM BB 56.19% PN 21.64% Total BRASILPREV BB-BI 49.99% ON 49.99% Total BRASILCAP BB-BI 49.99% ON 49.99% Total BRASIL VEÍCULOS BB-BI 40% ON 70% Total VISA VALE BB BI 35% ON 40.35% Total CIBRASEC BB-BI 9.09% ON 9.09% Total SBCE BB-BI 12.09% ON 12.09% Total VISANET BB BI 31.63% ON 31.63% Total BRASILSAÚDE BB-BI 49.92%ON 49.92% Total ALIANÇA DO BRASIL BBBI - 100%ON 100% Total TECBAN BB BI 8.96% ON 8.96% Total Non-strategic Participation 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 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 SPONSORED MANAGED FOUNDATION FBB CASSI PREVI BB PREVIDÊNCIA Closed Private Pension Entity

  8. Free float: 21.7% 10.6% 21.7 21.7 21.5 10.0 10.2 11.1 11.1% 14.8 7.2 2.5% 11.7 11.3 10.6 6.9 10.2% 3.4 7.6 65.6% 3.5 2005 2006 2007 2008 1Q09 Ownership Structure Participation Free Float - % National Treasure BNDESPar PREVI Foreign Investors Others

  9. 3.1 2.5 2.0 1.4 1.7 14.9 2005 2006 2007 2008 1H09 13.6 8.7 8.1 4.3 2005 2006 2007 2008 1H09 Share’s Performance Price / Book Value Price / Earnings

  10. 1.4 1.0 0.8 0.6 0.6 3.4 1H09 2005 2006 2007 2008 2.4 2.0 1.7 1.6 2005 2006 2007 2008 1H09 Share’s Performance Dividends and Interest on Own Capital / Share – R$ Earnings / Share – R$

  11. 211.9% 151.1% 123.1% 96.5% dec/04 dec/05 dec/06 dec/07 dec/08 jun/09 Banco do Brasil Ibovespa Bradesco Itaú Share’s Performance

  12. 3.5 32.5 32.1 2.4 2.0 26.8 1.5 22.5 1.6 1.6 75.3 8.8 34.0 66.5 27.5 54.4 52.8 6.0 5.1 37.7 4.2 33.7 4.0 4.0 2005 2006 2007 2008 1H08 1H09 2005 2006 2007 2008 1H08 1H09 Dividends and Interest on Own Capital - R$ billion ROE - % Market Capitalization - R$ billion Net Income - R$ billion Profitability

  13. 32.4 29.9 24.3 15.3 20.8 16.8 4.5 10.8 1H09 2005 2006 2007 2008 1H09 Tier I Tier II Shareholder’s Equity - R$ billion Capital Structure Basel 17.3 17.1 15.6 15.2 5.6 5.4 4.9 4.3 11.7 11.7 10.9 10.7 2005 2006 2007 2008

  14. 598.8 20.2% 521.3 17.6% 17.3% 16.8% 16.1% 367.7 296.4 253.0 2005 2006 2007 20082 1H09 Assets CAGR: 27.9% Market Share¹ % Assets² - R$ billion (1) Until Mar/09 - Source: Brazilian Central Bank (2) Economic-Financial Consolidated

  15. 23.8% 21.4% 19.5% 19.3% 18.9% 7.7 49.1 14.3 CAGR (%): 29.2 69.0 51.9 9.9 5.6 55.0 101.5 23.6 51.3 5.2 91.1 5.5 45.8 40.1 9.4 35.8 36.7 41.0 72.3 32.8 49.3 185.1 30.5 149.6 35.8 85.5 76.9 63.5 2005 2006 2007 2008 Funding 412.4 362.0 R$ billion 260.6 208.1 168.2 1H09 Market Share - % Money Market Borrowing Saving Deposits Time Deposits Demand Deposits Others (¹) Until Dec/08 - Source: SFN

  16. 95.3% 74.2% 69.1% 62.2% 60.0% 59.3% Saving Deposits Total Deposits Time Deposits Money Market Borrowing Total Funding Judicial Deposits Funding Funding Cost - as % of Selic 100.0

  17. 18.7 17.1 13.1 16.5 224.8 16.0 15.3 15.1 67.6 CAGR (%): 29.6 160.8 63.7 10.6 11.4 133.2 20.0 12.2 101.8 103.4 51.9 32.6 9.2 45.1 97.2 35.7 45.6 65.5 51.9 38.5 68.5 48.8 32.0 18.4 24.0 2005 2006 2007 2008 Individuals Agribusiness Market Share* - % Businesses Abroad Loan Portfolio 252.5 R$ billion 1H09 (*)Sep/08 - Domestic Portfolio

  18. 8.2 48.8 2.9 CAGR (%): 45.6 7.8 6.7 186.0 2.5 32.0 7.9 7.6 24.0 3.0 29.5 18.4 2.3 0.9 40.4 3.8 2.2 17.6 0.2 3.1 2.2 79.5 11.9 2.5 8.3 3.8 20.0 23.2 14.4 11.0 9.7 9.5 2005 2006 2007 2008 Consumer Finance R$ billion 68.5 1H09 Others Credit Card Vehicle Loans Payroll Loans Overdraft Account

  19. 103.4 97.2 CAGR (%): 34.8 39.5 34.9 31.3 65.5 37.1 51.9 24.6 38.5 18.3 63.9 15.4 62.3 40.9 33.6 23.1 2005 2006 2007 2008 1H09 Middle and Corporate Enterprises SME Credit to Businesses R$ billion

  20. 67.6 63.7 51.9 20.2 18.5 CAGR (%): 20.0 45.1 11.7 47.0 8.5 35.8 13.5 5.3 47.4 45.2 40.2 36.6 30.5 2005 2006 2007 2008 1H09 Credit to Agribusiness R$ billion Individuals Businesses

  21. 5.0 4.7 4.2 9.2 3.7 3.6 6.8 5.7 5.4 4.5 2005 2006 2007 2008 1H09 Credit Risk Provision Expenses - R$ billion Provision Expenses/Loan Portfolio¹ - % (1) Average Loan Portfolio and Expenses in the last 12 months.

  22. 7.0 6.6 6.5 6.4 6.1 5.9 5.8 5.4 5.4 5.4 3.3 3.4 2.9 2.7 2.4 2.5 2.0 1.7 1.1 1.4 Credit Risk 2005 2006 2007 2008 1H09 Additional + Required Provision / Loan Portfolio - % Required Provision / Loan Portfolio - % Past Due Loans + 90 days / Loan Porfolio - % Losses¹ / Loan Portfolio - % (1) Net of Recovery

  23. 24.5 20.8 18.1 16.8 15.5 58.4 11.4 23.9 40.0 36.7 33.6 14.7 15.1 14.4 12.2 34.5 7.7 25.3 21.6 19.2 19.1 14.4 2005 2007 2008 2006 Net Interest Income R$ billion 31.3 22.1 1H09 1H08 Loan Revenues Net Interest Income Other Interest Revenues

  24. 18.0 13.3 13.8 11.3 9.3 8.6 8.1 7.6 7.1 6.9 Selic - % NIM¹ - % 30.1 28.7 25.4 21.2 21.0 8.1 8.4 7.5 6.9 6.7 5.5 6.3 5.5 6.0 5.7 2005 2006 2007 2008 1H09 Agribusiness Businesses Individuals NIM Annualized NIM by Loan Portfolio - % 2005 2006 2007 2008 1H09 (1) Annualized Net Interest Income over Earning Assets

  25. 47.5 48.1 46.2 45.3 45.4 42.1 34.0 30.9 28.9 21.5 15.4 14.3 16.6 13.7 9.1 7.5 1H08 1H09 2007 2008 Productivity R$ billion 27.3 13.1 2005 2006 Cost/Income Ratio without one-off Itens - % Administrative Expenses¹ Operating Income¹ (1) without one-off itens

  26. 127.7 124.5 112.9 102.3 143.2 134.7 10.5 9.9 8.9 8.5 7.9 7.8 7.6 7.5 6.4 5.8 4.7 4.1 1H08 1H09 2005 2006 2007 2008 Productivity R$ billion Coverage Ratio without one-off Itens - % Administrative Expenses¹ Fee Income¹ (1) without one-off itens

  27. 66.2 50.5 38.6 30.3 CAGR (%): 14.4 78.9 33.4 37.6 8.7 25.4 29.9 21.3 14.1 9.3 53.5 52.7 47.2 41.7 40.0 1S09 2005 2006 2007 2008 Credit and Debit Cards 78.1 76.2 68.5 25.4 55.8 24.9 49.3 51.2 1S08 Revenues – R$ billion Debit Cards Issued - million Credit Cards Issued - million

  28. 32.6 2.2 32,2 28,5 28,7 CAGR (%): 10.6 28.5 1.9 10.7 25.7 1.7 13.8 24.2 1.6 23.0 1.4 103.5 1H09 2008 89.0 2007 81.9 2006 82.7 2005 83.8 Structure Checking Accounts - million 1H09 34.8 2008 30.4 2007 27.4 2006 25.7 2005 24.4 Individuals Businesses Employees - thousand

  29. 1H09 17.2 12.3 4.9 2008 11.6 4.3 16.0 2007 11.3 4.0 15.3 2006 11.1 4.0 15.1 2005 10.9 3.9 14.8 1H09 91.1 91.1 2008 91.3 2007 90.0 2006 89.2 2005 Structure Points of Service - thousand Others Branches Transaction in Automated Channels - %

  30. Structure Distribution Network by Customer North Retail 239 Wholesale 2 Government 7 High Income 2 5.1% Northeast Retail 996 Wholesale 7 Government 9 High Income 10 20.7% 8.4% Midwest Retail 393 Wholesale 5 Government 5 High Income 10 43.6% Southeast Retail 2.051 Wholesale 46 Government 5 High Income 47 South 22.2% Retail 1.060 Wholesale 22 Government 3 High Income 9

  31. 1H09 9.1 2008 8.6 2007 8.5 2006 8.2 2003 7.9 5.9 5.9 ATM 8.5 8.8 9.5 Internet Individuals 8.9 38.7 Internet Businesses 42.7 Cash 19.0 18.6 POS 19.1 14.4 Others Structure Internet Banking – million of customers Transactions per Channels - % 1H08 1H09

  32. 246.3 220.1 182.7 153.5 Others 12.9% Equities 16.0% Fixed Income 53.1% 2005 2006 2007 2008 Multimarket 18.0% Asset Management Client Profile Foreign Investors R$ billion 293.9 Wholesale 4.5% 9.1% Institutional Investors Government 39.9% 23.5% Retail 23.0% Investment Profile CAGR: 20.4% 1H09

  33. 1,511 1,209 1,130 889 848 760 1H08 1H09 2005 2006 2007 2008 Insurance - Added Value R$ million CAGR: 19.3%

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

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