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Banco do Brasil 2Q06 Results

Banco do Brasil 2Q06 Results. Investor Relations. Highlights. R$ million. (1) Past Due Loans + 60 days. Dividends / Interest on Own Capital. R$ million. 1,555. 870. 628. 504. 450. Net Interest Income. 9.2. 9.0. 9.0. 8.5. 8.1. 4,398. 4,406. 4,312. 4,199. 4,046. 2Q05. 3Q05.

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Banco do Brasil 2Q06 Results

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  1. Banco do Brasil 2Q06 Results Investor Relations

  2. Highlights R$ million (1) Past Due Loans + 60 days

  3. Dividends / Interest on Own Capital R$ million 1,555 870 628 504 450

  4. Net Interest Income 9.2 9.0 9.0 8.5 8.1 4,398 4,406 4,312 4,199 4,046 2Q05 3Q05 4Q05 1Q06 2Q06 Net Interest Income - R$ million NIM¹ annualized - % (1) Net Interest Margin over Earning Assets

  5. Loan Portfolio R$ million 1Q06 - % 2Q06 - % 8.4 8.7 18.7 19.1 14.5 14.7 35.1 35.3 23.2 22.2 Individuals SMEs Businesses Agribusiness Abroad

  6. Consumer Finance (CDC) R$ million 5,185 4,286 3,843 3,419 3,065 2,366 1,668 1,118 1,080 1,004 815 795 683 642 639 623 615 538 546 521 2Q05 3Q05 4Q05 1Q06 2Q06 CDC Electrônico¹ CDC Salário² CDC Payroll Loans CDC Total (1) Loan to individuals with pre-approved credit, through ATM (2) Granted to whom receives his/her wage in BB’s account

  7. Credit Risk - % 10.5 11.6 10.4 10.5 11.2 11.1 4.9 5.1 12.5 1.9 1.9 1.8 1.4 15.2 89.5 89.6 89.5 88.4 88.8 88.9 95.1 94.9 87.5 84.8 98.1 98.1 98.2 98.6 Retail Commercial Agribusiness Foreign Abroad Trade BB Banking Industry¹ 1Q06 2Q06 AA-C D-H AA-C D-H (1) Source: Brazilian Central Bank

  8. Delinquency and Provision for Credit Risk 5.5 4.9 4.7 4.2 4.2 1,757 1,498 1,345 1,002 966 7.4 7.3 6.6 6.3 6.1 2Q05 3Q05 4Q05 1Q06 2Q06 6.0 Quarterly Provision Expenses - R$ million 5.9 5.6 5.0 Provision Expenses / Loan Portfolio¹ - % 4.6 4.3 3.9 4.0 3.6 3.1 2Q05 3Q05 4Q05 1Q06 2Q06 Allowance for loan losses / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - % (1) Average Portfolio and Expenses of the last 12 months

  9. Individuals Credit Deliquency¹ 15.3 15.1 15.1 14.9 14.8 14.7 14.5 14.7 14.8 14.5 13.9 14.2 13.8 14.3 14.0 13.8 13.7 13.4 13.3 13.6 13.1 12.8 12.9 12.9 12.4 12.3 8.6 8.5 8.5 8.5 8.2 8.2 8.2 8.1 8.1 7.5 7.4 7.7 7.2 7.4 7.1 7.3 7.2 6.8 6.9 6.8 6.7 6.5 6.5 6.3 5.9 5.9 Jun/05 Aug/05 Oct/05 Dec/05 Feb/06 Apr/06 Jun/06 Past Due Loans + 15 days - % Past Due Loans + 90 days - % BB Banking Industry BB Banking Industry (1) Free Funds Operations except Funds e Programs, Credit Card Fin., Leasing.

  10. Agribusiness - Rolling-Over 2005 (crop 2004/2005): Rolling-over authorized after the default and, in some cases, the lawsuit filing. • risk worsening and higher level of provision • losses and delinquency • R$ 2.8 billion rolled-over 2006 (crop 2005/2006): Environment improvement and government implement actions before the default, because the farmer yield was insufficient to assure the 2006 payment and 2005 rolled-over debts. • rural credit rolling-over (CMN Resolution 3363, 3371, 3373 and 3376) • CPR refinancing with FAT funds (CODEFAT Resolution 497) • financing, with credit rural funds, of securitization installments of 2005 or 2006, PESA or Recoop (law 11.322) • funds to support marketing (price maintenance) • R$ 6.2 billion rolled-over BB agribusiness portfolio impacts: • R$ 3.3 billion allowance for loan losses balance as of 06.30.06 • R$ 2.2 billion over 15 days past due loans balance as of 06.30.06 • write-off:R$ 389 million - 2005 and R$ 382 million - 1H06 • R$ 8.4 billion rolled-over balance - up to 5 years to be paid from July/2007

  11. 146.1% delinquency covered by provision 8.2% 5.6% Jun/05 Aug/05 Oct/05 Dec/05 Feb/06 Apr/06 Jun/06 Allowance for loan losses / Loan Portfolio Past Due Loans + 15 days / Loan Portfolio

  12. Agribusiness - Next Steps R$ million

  13. Fee Income R$ million Account Holders - million Assets Under Management - R$ billion 21.3 20.9 295 290 20.2 288 20.1 284 284 19.7 23.7 23.3 171.2 22.9 169.2 22.3 21.9 153.5 150.4 144.8 2Q05 3Q05 4Q05 1Q06 2Q06 2Q05 3Q05 4Q05 1Q06 2Q06 Market Share - % (Fees + NII) per account holder¹ - R$ (1) 12 months average

  14. Administrative Expenses R$ million

  15. Productivity Ratios Coverage¹ Ratio - % 112.1 112.2 104.8 103.4 102.3 Efficiency² Ratio - % 2Q05 3Q05 4Q05 1Q06 2Q06 49.0 48.1 48.1 47.5 45.5 2Q05 3Q05 4Q05 1Q06 2Q06 (1) Fee Income / Personnel Expenses - YTD (2) Administrative Expenses / Operating Income - YTD

  16. Shareholder Base Shareholding Breakdown before and after the Offering and Subscription Warrants

  17. BB Public Offering

  18. BB Public Offering Liquidity Ranking 3º 3º 5º 7º 9º 11º 14º 27º Jan/06 Feb/06 Mar/06 Apr/06 Mai/06 Jun/06 Jul/06 Bradesco Itaú Unibanco Banco do Brasil

  19. 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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