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BANCO DO BRASIL

BANCO DO BRASIL. 4Q05 Results. Highlights. R$ million. 57%. 1,498. 954. %. Dividends. (1) Past Due Loans + 60 days. Net Interest Income - R$ million. NIM¹ Annualized - %. Net Interest Income. 9.2. 9.0. 9.0. 8.7. 8.4. 4,398. 4,199. 4,146. 4,086. 4,090.

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BANCO DO BRASIL

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  1. BANCO DO BRASIL 4Q05 Results

  2. Highlights R$ million 57% 1,498 954 % Dividends (1) Past Due Loans + 60 days

  3. Net Interest Income - R$ million NIM¹ Annualized - % Net Interest Income 9.2 9.0 9.0 8.7 8.4 4,398 4,199 4,146 4,086 4,090 Spread by Loan Portfolio - % 4Q04 1Q05 2Q05 3Q05 4Q05 38.1 35.9 35.5 34.1 33.4 8.3 8.0 7.9 7.6 7.6 7.0 6.6 6.1 6.0 5.8 4Q04 1Q05 2Q05 3Q05 4Q05 Agribusiness Commercial Retail (1) Net Interest Margin - Related to Earning Assets

  4. Volume¹ and Spread Analysis Spread - % 4Q05 - 2.2219 217 5 4Q04 - 2.1099 4,086 91 Volume - R$ million 4Q05 - 197,940 4Q04 - 193,649 Spread - % 2005 - 8.3632 384 21 2004 - 8.5708 Gain due to Volume 15,464 841 Gain due to Spread Gain due to Volume and Spread Volume - R$ million 2005 - 194,956 2004 - 184,903 (1) Earning Assets

  5. Loan Portfolio R$ million 4Q04 - % 3Q05 - % 4Q05 - % 10.2 9.0 9.0 18.2 19.5 18.1 33.9 33.0 35.1 14.9 15.8 14.9 22.9 22.6 22.9 Individuals SMEs Businesses Agribusiness Abroad

  6. Quarterly Provision Expenses - R$ million Provision Expenses / Loan Portfolio¹ - % Delinquency and Provision for Credit Risk 4.7 4.3 4.3 4.2 4.2 1,498 1,061 1,002 966 868 6.6 6.3 6.1 4Q04 1Q05 2Q05 3Q05 4Q05 6.1 6.1 5.9 5.6 5.1 4.7 4.6 4.0 3.9 3.3 3.1 3.1 4Q04 1Q05 2Q05 3Q05 4Q05 Allowance for loan losses / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - % (1) Average Portfolio - 12 months and Annualized Expenses

  7. Credit Risk - % 10.5 9.4 10.4 10.1 12.5 11.6 5.0 4.9 11.3 9.3 0.6 2.1 1.9 1.9 87.5 88.4 95.0 95.1 88.7 90.7 99.4 97.9 98.1 98.1 89.5 90.6 89.6 89.9 Retail Commercial Agribusiness Foreign Abroad Trade 3Q05 4Q05 Banking Industry¹ BB AA-C D-H AA-C D-H (1) Source: Brazilian Central Bank

  8. (Fees + NII) per account holder¹ - R$ Market Share - % Fee Income R$ million Account Holders - million Asset Under Management - R$ billion 21.3 20.9 20.8 295 290 20.2 286 284 19.7 282 153.5 150.4 144.8 22.9 138.2 22.3 21.9 21.2 21.1 124.0 4Q04 1Q05 2Q05 3Q05 4Q05 4Q04 1Q05 2Q05 3Q05 4Q05 (1) 12 month average

  9. Administrative Expenses R$ million

  10. Productivity Ratios Coverage Ratio¹ - % YTD 104.8 103.4 102.3 97.9 93.1 4Q04 1Q05 2Q05 3Q05 4Q05 Efficiency Ratio² - % YTD 54.2 50.4 49.0 48.1 47.5 4Q04 1Q05 2Q05 3Q05 4Q05 (1) Fee Income / Personnel Expenses (2) Administrative Expenses / Operating Income

  11. 38.6 34.9 33.2 32.4 2,533 17.3 1,760 1,601 1,347 1,083 979 570 559 447 187 4Q04 1Q05 2Q05 3Q05 4Q05 Income Tax and Social Contribution Pretax Income - R$ million Taxes - R$ million Tax Rate - %

  12. 2006 Outlook - Warrants Breakdown of the Warrant Holders Conversion: 1 warrant = 1.043933 share Total do Capital = 810,617,415 Expected Capital Raise (1) Updated up to January 2006 by the Price Index (IGPDI)

  13. Panorama 2006 - Agribusiness • World demand growth for food and renewable energy sources; • Reduction of 4.0% in the world grain production in the 2005/2006 crop; • Animal disease epidemy in other countries; • 3.7% GDP growth outlook in 2006; • Investment in infrastructure; • Increase in the Brazilian grain production through productivity gain; • Price for some products below that those observed in 2005, but improving in the medium/long term; • Reduction in the Brazilian meat embargoes.

  14. Panorama 2006 - Retail • To increase sales to customers; • To tap the consumer finance market: • Auto finance; • Durable goods finance. • To establish partnership with middle-sized retailers; • To expand non-customer pay-roll loans; • To grab individuals loan market share; • To tap the mortgage market.

  15. For further information access www.bb.com.br/ri Investor Relations Division 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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