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Banco do Brasil S.A. 1Q07

Banco do Brasil S.A. 1Q07. 18.0. 17.8. 16.5. 13.3. 12.5. 9.3. 7.6. 5.7. 3.1. 1.3. Economic Environment. Ratio - %. 2003. 2004. 2005. 2006. 1Q07. Interest Rate - Selic. Price Index - IPCA. Source: Central Bank and Brazilian Institute of Geography and Statistics - IBGE.

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Banco do Brasil S.A. 1Q07

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  1. Banco do Brasil S.A. 1Q07

  2. 18.0 17.8 16.5 13.3 12.5 9.3 7.6 5.7 3.1 1.3 Economic Environment Ratio - % 2003 2004 2005 2006 1Q07 Interest Rate - Selic Price Index - IPCA Source: Central Bank and Brazilian Institute of Geography and Statistics - IBGE

  3. Economic Environment 463 383 303 192 166 109.5 USD billions 85.8 53.8 52.9 49.3 46.1 44.7 33.6 24.8 8.7 2003 2004 2005 2006 1Q07 Sovereign Risk – basis points International Reserves Trade Balance Source: Agência Estado, Ministry of Development, Industry and Foreign Trade and Central Bank

  4. 60.5 56.4 52.8 52.2 51.7 48.3 47.8 47.2 43.6 39.5 Banking Industry 31.3 30.8 28.1 26.9 26.2 2003 2004 2005 2006 1Q07 Loan Segments – Free Resources % Loan / GDP - % Businesses Individuals Source: Central Bank

  5. Loan Segments Individual Loan Segments - % 12.4 15.2 16.6 20.2 21.0 13.0 11.7 10.6 11.4 29.7 27.5 26.6 26.7 26.7 55.1 47.2 45.1 42.5 40.9 2003 2004 2005 2006 1Q07 Payroll Loan Credit Card / Overdraft Account Cars Others Source: Central Bank

  6. Banco do Brasil Structure Banco do Brasil Wholly Owned Subsidiaries BB LEASING Co. LTD BB - 100% ON 100% Total BB DTVM 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 COBRA BB-99.36% ON 99.34% total BB LEASING BB - 100% ON 100% Total BB BI 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-99.996% ON 99.996%Total BB CARTÕES BB - 100% ON 100% Total BANCO DO BRASIL SECURITIES LLC BB - 100% ON 100% Total BB VIENA BB -100% ON 100% Total Affiliated Companies B B B I B B Strategic Partnerships Strategic Partnerships Other Partnerships BRASILCAP BB-BI 49.99% ON 49.99% Total BRASILPREV BB-BI 49.99% ON 49.99% Total ALIANÇA DO BRASIL BB-BI 40% ON 70% Total BRASIL VEÍCULOS BB-BI 40% ON 70% Total • CLEARINGS • CIP - BB 9.80% • BMF Câmbio • BMF Ativos • CBLC - BB 1.59% • BMF Derivativos VISA VALE BB BI 35% ON 37.47% Total CIBRASEC BB-BI 9,09% ON 9,09% Total VISANET BB BI Classe A 35% Classe B 28.75% 31.99% Total TECBAN BB BI 8.96% ON 8.96% Total BRASILSAÚDE BB-BI 49.92%ON 49.92% Total SBCE BB-BI 12.08% ON 12.08% Total Non-Strategic Partnerships Non-Strategic Partnerships ITAPEBI BB-BI 19% ON 19% Total PRONOR BB BI 0% ON 3.27% Total KEPLER WEBER BB-BI 24.38% ON 24.38% Total NEOENERGIA BB-BI 7.67 ON 7.67 Total CADAM BB 0% ON 21.64% Total

  7. Organizational Structure General Shareholders Meeting Board of Auditors Board of Directors Audit Committee Internal Audit Board of Officers CEO VP of International Business and Wholesale VP of Retail Service and Distribution VP of Rural Businesses and Government Affairs VP of Finance, Capital Market and Investor Relations VP of Technology and Logistic VP of Human Resources and Social-Enviro- nmental Responsibility VP of Credit, Controlling and Risk Management Employee Relation And Social-Env. Responsibility Micro and Small Businesses Distribution and Retail Channels Government Affairs Capital Markets and Investments Human Resources Restructuring of Operational Assets Strategy and Organization Marketing and Communication Foreign Trade Commercial International Retail Services Agribusiness Finance Technology Logistic Risk Management Controlling Credit Legal Internal Controls Information Technology Software Development Accounting High Income Investor Relations Security Management Executive Secretariat Pension Fund Management Operational Support Directorships Regional Sustainable Development Units Autonomous Departments

  8. Banco do Brasil’s Shares Participation - % 11.4 5.0 6.9 68.7 Free Float: 14.8 7.9 National Treasury Foreign Investors PREVI Others BNDESPar As of March 2007

  9. 10.8 8.7 8.6 8.1 7.4 2003 2004 2005 2006 1Q07 2.5 2.5 2.0 1.8 1.4 2003 2004 2005 2006 1Q07 Share’s Performance Price / Earnings Price / Book Value

  10. 40.0 40.0 36.1 31.5 31.3 2003 2004 2005 2006 1Q07 4.6 4.4 4.2 3.7 3.7 2003 2004 2005 2006 1Q07¹ Share’s Performance Payout - % Dividend Yield - % (1) Dividend and Interest on Own Capital in the last 12 months

  11. Share’s Performance 760.7% 306.4% mar/03 mar/04 mar/05 mar/06 mar/07 Ibovespa Banco do Brasil

  12. 55.0 52.8 52.8 6,044 44.4 4,154 33.7 26.0 3,024 2,381 2,343 17.6 1,409 1,248 4Q06 1Q07 2003 2004 2005 2006 1Q06 Performance 2.418 862¹ 564 32.1 63.0 26.8 23.0 22.3 1.498 954 29.4 746 26.7 2003 2004 2005 2006 1Q06 4Q06 1Q07 ROE - % Dividends / Interest on Capital - R$ million Net Income - R$ million Market Capitalization - R$ billion (1) Dividends and Interest on own capital of 2H06

  13. 21.6 20.8 19.2 5.4 16.8 5.6 5.5 5.4 4.6 14.1 4.0 12.2 12.9 11.7 11.7 11.7 10.6 9.7 Capital Structure 18.3 17.2 17.1 17.3 15.2 13.7 1Q07 2003 2004 2005 2006 1Q06 2003 2004 2005 2006 1Q06 1Q07 BIS Ratio -% Shareholder’s Equity - R$ billion Level 1 - % Level 2 - %

  14. 321.9 296.4 140.4 264.6 133.2 253.0 239.0 230.1 105.5 101.8 88.6 77.6 2003 2004 2005 2006 1Q06 1Q07 Highlights 17.3 15.1 16.9 16.5 14.8¹ 16.5 16.3 15.9 15.4 15.3 15.1 14.8 CAGR: 10.9% CAGR: 20.0% 1Q07 2003 2004 2005 2006 1Q06 Market Share - % Market Share² - % Assets - R$ billion Loan Portfolio - R$ billion (1) As of December/2007 (2) Domestic Portfolio

  15. 158.8 193.1 137.7 182.7 169.2 115.5 153.5 110.0 124.0 102.7 2003 2004 2005 2006 2003 2004 2005 2006 1Q06 1Q07 Highlights 22.4 20.2 20.1 19.7 20.3¹ 20.3 20.2 20.2 20.0 19.0 19.1 19.1 160.7 139.2 CAGR: 12.4% CAGR: 21.5% 1Q07 1Q06 Market Share - % Market Share - % Deposits - R$ billion Assets Under Management - R$ billion (1) As of December/2007

  16. 24.6 1Q07 23.0 1.6 23.3 1Q06 21.8 1.5 1.6 22.8 2006 24.4 21.5 1.4 2005 22.9 19.7 1.4 2004 21.1 17.5 1.2 2003 18.8 1Q07 82.5 1Q06 83.4 2006 82.7 2005 83.8 2004 79.7 2003 78.0 Highlights Customers - million CAGR: 8.7% 8.4% Employees - thousand Individuals Businesses

  17. Infrastructure and Technology Distribution Network 7.6% Northeast North Branches 994 Others 2,881 Total 3,875 Branches 242 Others 915 Total 1,157 25.6% 11.4% Midwest Branches 390 Others 1.332 Total 1,722 36.1% Southeast Branches 1,538 Others 3,920 Total 5,458 South 19.3% Branches 810 Others 2,111 Total 2,921

  18. 1Q07 4.0 11.2 15.1 1Q06 3.9 10.9 14.9 2006 4.0 11.1 15.1 2005 3.9 10.9 14.8 2004 3.7 10.7 14.4 2003 3.2 10.0 13.2 39.8 1Q07 41.0 1Q06 39.7 2006 2005 40.2 39.0 2004 2003 37.0 Infrastructure and Technology Points of Service - thousand Automated Teller Machine (ATM) - thousand Branches Others

  19. 89.6 1Q07 1Q06 88.6 2005 90.0 2004 89.2 2003 88.4 3.1 3.2 7.5 6.4 10.4 11.4 45.7 47.0 31.3 32.5 Infrastructure and Technology Transaction in Automated Channels - % Breakdown of Transactions - % 1Q07 1Q06 ATM Internet Banking Cashier POS Others

  20. 28.9 27.3 23.2 20.3 7.5 7.1 6.7 13.7 13.1 12.6 11.3 3.6 3.3 3.2 Productivity 55.8 54.2 50.6 48.1 48.1 47.5 44.1 2003 2004 2005 2006 1Q06 4Q06 1Q07 Administrative Expenses - R$ billions Operational Income - R$ billions Efficiency Ratio - %

  21. 8.9 7.9 7.6 7.5 7.1 6.8 6.6 5.5 Productivity 127.9 112.9 111.6 102.3 112.1 93.1 80.6 2.4 2.3 2.1 2.0 1.9 1.9 2003 2004 2005 2006 1Q06 4Q06 1Q07 Personnel Expenses - R$ billions Fee Income - R$ billions Coverage Ratio - %

  22. 2004 2005 2006 1Q06 4Q06 1Q07 R$ - millions Net Income 3,024 4,154 6,044 2,343 1,248 1,409 Net Interest Income 15,464 16,709 17,980 4,406 4,855 4,852 Fee Income 6,607 7,648 8,887 2,103 2,287 2,377 Administrative Expenses 12,562 13,143 13,744 3,237 3,614 3,325 2004 2005 2006 1Q06 1Q07 R$ - millions Assets 239,014 252,977 296,356 264,635 321,898 Loan Portfolio 88,554 101,789 133,157 105,527 140,387 Deposits 115,531 137,658 158,841 139,195 160,663 Assets Under Management 124,021 153,508 182,683 169,151 185,760 2004 2005 2006 1Q06 4Q06 1Q07 % ROE (Annualized) 23.0 26.8 32.1 63.0 26.7 29.4 Efficiency 54.2 48.1 47.5 48.1 50.6 44.1 Coverage 93.1 102.3 112.9 112.1 111.6 127.9 BIS Ratio 15.2 17.1 17.3 18.3 17.3 17.2 Highlights

  23. 72.9 54.4 48.1 36.0 50.3 47.3 76.9 80.9 63.5 68.9 49.7 48.2 36.7 38.9 32.8 33.0 31.1 27.4 40.1 35.8 35.6 31.9 29.0 27.1 Funding R$ billions 228.3 208.1 181.9 168.2 160.1 150.1 2003 2004 2005 2006 1Q06 1Q07 Demand Deposits Saving Deposits Time Deposits Others¹ (1) Include Interbank Deposits, Investment Deposits and Money Market Borrowing

  24. 12.3 12.2 26.1 24.0 8.9 9.2 19.8 9.0 18.4 46.8 45.1 16.1 37.1 35.7 30.0 55.2 51.9 39.8 38.5 33.4 Businesses Agribusiness Individuals Abroad Loan Portfolio R$ billions 140.4 133.2 105.5 101.8 88.6 2004 2005 2006 1Q06 1Q07

  25. 6.6 6.6 6.5 6.1 5.4 5.6 4.6 4.7 4.2 4.1 4.0 3.3 3.0 2.9 2.8 Delinquency dec/03 dec/04 dec/05 dec/06 mar/07 Allowance / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - %

  26. 9.7 9.6 9.7 9.8 9.3 10.0 8.3 4.7 3.8 3.2 1.5 3.1 2.6 2.0 2.5 2.7 2.1 2.2 2.5 2.1 0.3 0.2 0.9 0.2 1.2 Loan Portfolio - Individuals 26.1 R$ billions 24.0 19.8 18.4 16.1 2004 2005 2006 1Q06 1Q07 Cars Overdraft Account Credit Cards Others Payroll Loan

  27. 35.7 33.6 24.3 23.1 20.2 19.4 18.3 15.4 15.5 13.2 Loan Portfolio - Businesses R$ billions 55.2 51.9 39.8 38.5 33.4 2004 2005 2006 1Q06 1Q07 Small and Micro Enterprises Middle and Large Enterprises

  28. 30.4 29.2 24.1 22.8 19.6 8.9 8.6 7.2 7.4 6.0 5.3 5.6 4.1 3.8 3.1 2.0 1.9 1.8 1.7 1.3 Loan Portfolio - Agribusiness R$ billions 46.8 45.1 37.1 35.7 30.0 2004 2005 2006 1Q06 1Q07 Cooperative Small-Sized Farmers Mini-SizedFarmers Other Farmers

  29. 38.8 31.6 24.3 18.1 11.1 9.2 2003 2004 2005 2006 1Q06 1Q07 Retail 14.1 14.4 9.3 9.5 6.9 5.3 Issued Credit Cards - millions Credit Card Revenue - R$ billions¹ (1) Debt cards included

  30. 388.2 367.0 328.9 318.5 238.7 171.8 Insurance Car Insurance 703 676 630 625 578 500 2003 2004 2005 2006 1Q06 1Q07 Insured Cars - thousand Managed Portfolio - R$ millions

  31. 842.8 820.1 720.1 717.1 680.6 570.5 Insurance Life Insurance 1,748 1,801 1,679 1,417 1,351 1,263 2003 2004 2005 2006 1Q06 1Q07 Managed Portfolio - R$ millions Insured Lives - thousand

  32. 13,195 12,473 10,193 9,659 7,781 5,586 Insurance Pension Fund 1,825 1,756 1,613 1,576 1,365 1,178 2003 2004 2005 2006 1Q06 1Q07 Participants - thousand Managed Portfolio - R$ millions

  33. 2,875 2,854 2,813 2,788 2,264 2,060 Insurance Capitalization (Annuity Plans) 2,899 2,817 2,949 2,792 2,661 1,653 2003 2004 2005 2006 1Q06 1Q07 Quantity of Plans - thousand Managed Portfolio - R$ millions

  34. D 2004 2005 2006 1Q06 1Q07 Contracted Amount - R$ million 13.6 105.4 313.8 123.0 439.4 Benefited Families (thousand) 16.8 70.6 230.9 107.2 265.5 Involved Branches 428 1,482 2,502 1,590 2,688 Skilled Employees 1,370 4,062 6,052 4,688 6,462 Served Municipalities 642 1,503 2,788 1,678 2,911 Approved Business Plans 120 375 1,020 521 1,215 Productive Activities 40 70 70 70 70 Sustainable Regional Development Strategy for job and income generation in a sustainable way which began in 2003. Support to environmentally correct, socially fair, economically viable and culturally diversified productive activities.

  35. 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 www.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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