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BANCO ITAÚ S.A. CONFERENCE CALL FOURTH QUARTER OF 2000

BANCO ITAÚ S.A. CONFERENCE CALL FOURTH QUARTER OF 2000. Income Statement. Itaú Consolidated. R$ Million. 2000 Consolidated. 4Q00 Consolidated. 1999 Consolidated. 4,629. 5,072. 1,456. Net Interest Margin. Provision for Loan Losses. (814). (764). (289). 3,159. 3,465. 958.

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BANCO ITAÚ S.A. CONFERENCE CALL FOURTH QUARTER OF 2000

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  1. BANCO ITAÚ S.A.CONFERENCE CALLFOURTH QUARTER OF 2000

  2. Income Statement Itaú Consolidated R$ Million 2000 Consolidated 4Q00 Consolidated 1999 Consolidated 4,629 5,072 1,456 Net Interest Margin Provision for Loan Losses (814) (764) (289) 3,159 3,465 958 Banking Service Fees (4,610) (5,173) (1,531) Salaries, Employee Benefits and Other Adm. Expenses Recurring Net Income 1,518 1,918 620 EPS (per thousand shares) 15.99 15.85 5.03 25.7% 28.9% 42.9% Recurring ROE Recurring ROA 2.9% 2.8% -3.4%

  3. Credit Operations Itaú Consolidated R$ Million 2000 Consolidated Variation (%) 1999 Consolidated Individuals Small and Medium-Sized Companies Corporate Mortgage Credit Cards Other Receivables 2,541 973 11,729 2,930 1,423 409 4,486 2,115 14,768 3,305 2,130 449 76.5% 117.4% 25.9% 12.8% 49.7% 9.8% TOTAL 20,005 27,253 36.2%

  4. Credit Operations Quality R$ Million 2000 Consolidated 1999 Consolidated Itaú Consolidated (538) (502) Provision for Loan Losses– Credit Recoveries (A) Average of Balance Credit Operations (B) 17,860 23,629 A / B (%) 3.0% 2.1% Credit Operations Quality AA, A e B Percentage of credits that are 11 to 30 days overdue in relation credits that are 11 to 30 days, and in December/00 using credits that are 15 to 30 days overdue (accordance with Resolution 2,682) Percentage of credits that are 31 to 60 days overdue in relation credits that are 31 to 60 days Obs: Banestado Included Percentage of credits that are 61 to 90 days overdue in relation credits that are 61 to 90 days

  5. Funding Itaú Consolidated R$ Billion Variation (%) 2000 Consolidated 1999 Consolidated 23.2 32.0 5.3 3.0 5.6 27.9 42.0 6.9 3.0 11.7 20.3% 31.3% 30.4% 0.0% 108.9% Deposits Mutual Funds and Portfolio under Management Borrowings and on-Lendings Acceptances and Debentures Money Market repurchase commitments and Interbank Deposits TOTAL 69.1 91.5 32.4%

  6. Quantities Itaú Consolidated 1999 Consolidated 2000 Consolidated Variation (%) 2,545 9.2 millions 2.3 millions 10.9 millions 2,995 10.8 millions 3.3 millions 14.9 millions Branches and CSBs Current and Savings Accounts Credit Cards Internet Banking Transactions 17.7% 17.4% 45.8% 36.3%

  7. Corporate Banking Volume Quantities Coordination of Operations in the Local Capital Market Fixed Income R$ 925 million (Of a total of R$ 6.5 billion) 24 operations Variable Income R$ 806 million (Of a total of R$ 9.2 billion) 6 operations Distribution of Fixed Rate Securities in the International Market US$ 1 billion 600 operations R$ 18 billion (Volume Negotiated in the Bovespa Exchange) Itaú Corretora (Brokerage House) 5.5 million (Contracts Negotiated in the BM&F Exchange) Services for the Capital Market R$ 310 billion (Custody / Management of Financing Assets) 873 contracts BNDES On-Lending R$ 1.2 billion (Disbursement) 1,063 releases Exim US$ 395 million (Disbursement) 96 releases

  8. Fair Market Value Itaú Consolidated R$ Million 2000 Consolidated 1999 Consolidated Variation (%) 686 746 973 603 746 902 Excess Provision for Loan Losses Excess Provision for Securities Other Unrealized Gain -12.1% 0.0% -7.3% 2,405 2,251 -6.4% If taken into consideration all excess provisions, other unrealized gains and Tax Credits not accounted for in the amount of R$ 1,460 million, the BIS ratio would be 19%.

  9. Tax Credits Itaú Consolidated R$ Million Tax Credits Provisions Related to Tax Losses Provisions Disbursed Related to Provisions not Disbursed Related to the Operation Related to Excess Provisions in Relation to minimum Obligations not Disbursed - 720 - 826 3,851 1,123 2,177 673 1,675 450 TOTAL 3,851 2,669

  10. 2001 • Strong Expansion in Personnalité segment • Emphasis on Credit Cards • Segmentation of Specific Channel for Small Companies • Growth in Loans (mainly consumers) • Broker Dealer • Cost Reduction Program • ADR Level II emission

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