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Conference Call - August, 28 th

Financial Result 2Q02. Conference Call - August, 28 th. 474. 446. 349. 332. 167. 137. 1Q01. 2Q01. 3Q01. 4Q01. 1Q02. 2Q02. Net Income. R$ million. 800. 764. 290. 560. 451. 492. 46. 228. 257. 225. 474. 446. 90. 88. 349. 332. 167. 137. 1Q01. 2Q01. 3Q01. 4Q01.

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Conference Call - August, 28 th

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  1. Financial Result 2Q02 Conference Call - August, 28th

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

  3. 800 764 290 560 451 492 46 228 257 225 474 446 90 88 349 332 167 137 1Q01 2Q01 3Q01 4Q01 1Q02 2Q02 Net Profit Tax and Statutory Profit Sharing Income before Taxes R$ million

  4. ROE - Return on Equity Annualized (%) *Shareholders’ Equiy without excluding the effects of the securities portfolio marking to market - “Circular 3.068 and 3.082 - BCB”

  5. Gross Financial Margin R$ million

  6. Gain: combination of the increase on the rate and the increase in the volume Gain: increase on the rate 2Q02 1.76375 114 18 1.68326 2Q01 Gain: increase in the volume 2,377 368 141,231 163,072 2Q01 2Q02 Analysis of the Financial Margin’s Change 2Q01/2Q02 R$ million %

  7. 67.0 14.5 64.5 61.4 14.1 13.8 17.2 17.1 16.2 Dec/01 Mar/02 Jun /02 Dec/01 Mar/02 Jun/02 Assets Market Share (%) Contribuition Margin R$ million Asset Management Clients million R$ billion

  8. 86.0 79.4 69.9 69.2 67.9 63.8 1Q01 2Q01 3Q01 4Q01 1Q02 2Q02 Commercial Income R$ million Coverage Ratio - % (Service Fees / Personnel Expenses)

  9. 70.7 69.7 69.2 67.7 60.9 59.6 1Q01 2Q01 3Q01 4Q01 1Q02 2Q02 Operating Income R$ million Cost/Income Ratio - % (Administrative Expenses / Operating Income)

  10. 12.3 12.4 12.4 12.2 11.9 11.8 49.1% 32.2% 29.2% 22.3% 12.5% 9.4% 1Q01 2Q01 3Q01 4Q01 1Q02 2Q02 Tax Credit IR + CSLL/ Income before Taxes Income Statement R$ million Tax Credit R$ billion

  11. Balance Sheet Change % R$ million jun/01 mar/02 jun/02 jun/01 mar/02 15.8 0.8 Assets 146,743 168,591 169,910 34.0 -1.6 Liquidity Assets 53,913 73,439 72,245 27.5 8.6 Credit 36,493 42,865 46,542 -9.3 -2.2 Other Assets 56,337 52,287 51,123 15.8 0.8 Liabilities 146,743 168,591 169,910 Demand deposits 21.6 6.3 15,060 17,237 18,319 Savings 9.9 4.7 20,609 21,614 22,639 Interbank deposits 21.6 16.0 4,249 4,454 5,165 Time deposits 7.2 -4.9 31,345 35,322 33,588 Open market funds 27.1 -4.7 29,520 39,341 37,508 Others liabilities 18.4 6.8 37,768 41,874 44,707 -2.5 -8.7 Shareholders’ Equity 8,192 8,749 7,984

  12. 1H01 Others Retail 4.0% International 25.9% 15,2% 1H02 Agribusiness 29.8% Commercial Others International Retail 25.2% 2.8% 15.2% 25.7% Agribusiness 27.6% Commercial 28.8% Credit Portfolio Profile (Multiple Bank Balances and Subsidiaries in the Country)

  13. Credit Risk NFS* BB *National Financial System

  14. Mar/02 Jun/02 Total Credit Portfolio 52,831 57,031 Non Performing Loans 3,583 3,202 NPL / Total Credit Portfolio - % 6.8 5.6 NPL more than 60 days 2.240 1.973 NPL more than 60 days / Total Credit Portfolio- % 4,2 3,5 Write offs 547 447 Credit Recovery 187 171 Losses Balance 360 277 Losses Balance / Total Credit Portfolio - % 2.8 2 Provisions / Total Credit Portfolio - % 5.5 5.2 Provisions / NPL more than 60 days - % 128.7 150.9 Credit Risk R$ million

  15. 13.1 12.7 12.4 12.1 11.6 11.0 8.0 9.3 9.2 9.0 8.8 8.0 7.8 Mar/01 Jun/01 Sep/01 Dec/01 Mar/02 Jun/02 Tier I Tier I e II BIS Ratio - %

  16. Balances jun/01 dec/01 jun/02 Risk Weighted Assets 85,044 88,826 95,374 Required Capital 10,278 10,471 11,179 Referencial Equity 11,169 12,062 11,780 Equity Excess/Insufficiency 891 1.591 601 8,102 14,463 5,468 Leverage Excess/Insufficiency Coefficient "K" % 12.1 13.1 11.6 BIS Ratio - % R$ million

  17. Foreign Exchange Exposure

  18. Securities Portfolio R$ millions Balance in June/2002 % Available for Trading 3,325 4.8 Available for Sale 40,377 58.9 Held to Maturity 24,542 35.,8 Derivatives 346 0.5 Total 68,590 100.0

  19. Shareholders’ Equity Dec/01 8,747 Net Profit - 1H02 823 Dividends -307 Adjustments in MarketableSecurities -1,670 Retained Earnings 390 Net Adjustment -1,280 Shareholders’ Equity Jun/02 7,984 Shareholders’ Equity Adjustment R$ million

  20. 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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