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Banco do Brasil S.A. 2006

Banco do Brasil S.A. 2006. Economic Environment. Ratios %. Industry Outlook. 166. 164. 163. 160. 158. 34.3. 31.2. 26.9. 26.2. 24.2. 2002. 2003. 2004. 2005. 2006. Number of Banks. Loan / GDP (%). Loan Segments. Participation - %. 63.2. 60.5. 56.4. 52.8. 52.1. 47.9.

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Banco do Brasil S.A. 2006

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  1. Banco do Brasil S.A. 2006

  2. Economic Environment Ratios %

  3. Industry Outlook 166 164 163 160 158 34.3 31.2 26.9 26.2 24.2 2002 2003 2004 2005 2006 Number of Banks Loan / GDP (%)

  4. Loan Segments Participation - % 63.2 60.5 56.4 52.8 52.1 47.9 47.2 43.6 39.5 36.8 2002 2003 2004 2005 2006 Individuals Businesses

  5. Loan Segments Participation - % 12.4 15.4 15.2 16.6 20.2 13.0 11.7 10.6 29.7 30.9 27.5 26.6 26.6 55.1 53.7 47.2 45.1 42.7 2002 2003 2004 2005 2006 Payroll Loan Credit Card / Overdraft Account Vehicles Others

  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

  9. Share’s Performance

  10. Share’s Performance Earnings - % 513.8 169.8 dec/01 jun/02 dec/02 jun/03 dec/03 jun/04 dec/04 jun/05 dec/05 jun/06 dec/06 Ibovespa Banco do Brasil

  11. Performance 2,418 32.1 26.8 23.0 22.6 1,498 22.3 52,820 954 6,044 746 579 4,154 33,733 25,979 3,024 2,381 17,568 2,028 6,696 2002 2003 2004 2005 2006 2002 2003 2004 2005 2006 ROE - % Dividends / Interest on Capital - R$ million Net Income - R$ million Market Capitalization - R$ million

  12. Capital Structure 17.3 17.1 15.2 13.7 20,758 12.2 16,850 14,106 12,172 5.6 5.4 9,197 4.6 4.0 3.8 11.7 11.7 10.6 9.7 8.4 2006 2002 2003 2004 2005 2006 2002 2003 2004 2005 BIS Ratio -% Shareholder’s Equity - R$ million Level 1 - % Level 2 - %

  13. Highlights 17.3 16.3 16.5 16.7 16.3 15.9 15.3 15.1 14.8 13.7 133.2 296.4 253.0 239.0 101.8 230.1 204.6 88.6 77.6 62.9 CAGR: 9.7% CAGR: 20.6% 2002 2003 2004 2005 2006 2002 2003 2004 2005 2006 Market Share - % Market Share¹ - % Assets - R$ billion Loan Portfolio - R$ billion (1) Domestic portfolio

  14. Highlights 22.4 20.2 19.7 19.1 19.0 20.9 20.3 20.2 20.2 17.4 182.7 158.8 153.5 137.7 115.5 124.0 110.0 97.3 102.7 CAGR: 28.9% 66.2 CAGR: 13.0% 2002 2003 2004 2002 2003 2004 2005 2006 2005 2006 Market Share - % Market Share - % Deposits - R$ billion Assets Under Management - R$ billion

  15. Highlights Customers - million 2006 22.8 1.6 24.4 CAGR: 2005 21.5 1.4 22.9 12.0% 2004 19.7 1.4 21.1 12.2% 2003 17.5 1.2 18.8 2002 14.4 1.0 15.4 Individuals Businesses Employees - thousand 2006 82.7 2005 83.8 2004 79.7 2003 78.0 2002 75.9

  16. Productivity 57.9 55.8 54.2 48.1 47.5 28.9 CAGR: 27.3 23.2 9.3% 20.3 14.8% 16.7 13.7 13.1 12.6 11.3 9.6 2002 2003 2004 2005 2006 Administrative Expenses - R$ billion Operational Income - R$ billion Efficiency Ratio - %

  17. Productivity 112.9 102.3 93.1 80.6 80.3 8.9 7.9 7.6 7.5 CAGR: 7.1 6.8 6.6 9.1% 5.5 5.5 18.9% 4.5 2002 2003 2004 2005 2006 Personnel Expenses - R$ billion Fee Income - R$ billion Coverage Ratio - %

  18. Funding Funding - R$ million 2002 2003 2004 2005 2006 Demand Deposits 24,342 27,140 28,991 35,802 40,059 Saving Deposits 26,918 27,425 31,069 32,844 36,714 Time Deposits 42,117 48,173 49,665 63,495 76,900 Interbank Deposits 3,876 7,275 5,768 5,383 4,878 Investment Deposits - - 38 134 289 Money Market Borrowing 48,327 40,063 44,527 30,508 49,283 Total 145,581 150,077 160,058 168,167 208,124

  19. Loan Portfolio D D 2004 2005 2006 2005 - % R$ billion Total Portfolio 88.6 101.8 133.2 30.8 Domestic 79.5 92.6 121.0 30.6 Individuals 16.1 18.4 24.0 30.5 Free Resources 14.4 16.7 22.7 35.8 Payroll Loan 1.5 3.8 8.3 117.8 Vehicles 0.3 0.2 0.9 376.0 Businesses 33.4 38.5 51.9 34.8 SME 13.2 15.4 18.3 18.7 Medium and Corporate 20.2 23.1 33.6 45.5 Agribusinesses 30.0 35.7 45.1 26.2 Abroad 9.0 9.2 12.2 32.7 2005 - % 2006 - % 9.0 9.1 18.1 18.0 13.8 15.2 35.1 33.8 22.7 25.2 Individuals SME Medium/Corporate Agribusinesses Foreign Trade

  20. Delinquency 6.6 6.6 6.1 5.6 5.4 5.9 5.6 4.7 4.6 4.1 4.0 3.3 3.3 3.0 2.9 dec/02 dec/03 dec/04 dec/05 dec/06 Allowance / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - %

  21. Delinquency - Individuals 14.5 14.5 13.9 14.2 13.8 12.8 14.0 12.1 12.9 10.5 8.5 7.8 7.6 7.3 7.2 7.5 6.8 6.8 6.7 6.3 dec/05 may/06 jun/06 sep/06 dec/06 Past Due Loans + 15 days - % Past Due Loans + 90 days - % Banking Industry Banking Industry Banco do Brasil Banco do Brasil

  22. Loan Retail Loan - R$ billion Commercial Loan - R$ billion 40.4 21.7 31.0 16.2 27.5 14.0 13.9 12.2 16.0 12.6 2002 2003 2004 2005 2006 2002 2003 2004 2005 2006

  23. Loan Contracted Amount Foreign Trade Loan - R$ billion ACC / ACE - US$ billion 11.0 12.1 11.9 9.6 8.0 9.0 7.6 7.4 7.6 5.5 2002 2003 2004 2005 2006 2002 2003 2004 2005 2006

  24. Loan Pronaf - R$ million Agribusiness Loan - R$ billion 45.1 4,802 35.7 4,342 30.0 27.2 3,217 2,413 16.8 1,743 2002 2003 2004 2005 2006 2002 2003 2004 2005 2006

  25. Retail 14.1 9.3 6.9 5.3 38.8 4.7 31.6 24.3 18.1 13.5 2002 2003 2004 2005 2006 Credit Cards Issued - million Credit Cards Revenue - R$ billion¹ (1) Banking Cards revenue included

  26. Insurance Vehicle Insurance 676 625 578 500 367.0 445 318.5 238.7 171.8 136.1 2002 2003 2004 2005 2006 Cars Insured - thousand Managed Portfolio - R$ million

  27. Insurance Life Insurance 1,748 1,417 1,351 1,263 1,224 820.1 717.1 680.6 570.5 441.6 2002 2003 2004 2005 2006 Managed Portfolio - R$ million Lives Insured - thousand

  28. Insurance Pension Fund 1,756 1,576 1,365 1,178 886 12,473 9,659 7,781 5,586 3,785 2002 2003 2004 2005 2006 Participants - thousand Managed Portfolio - R$ million

  29. Insurance Capitalization (Annuity Plans) 2,949 2,792 2,631 2,661 1,653 2,875 2,788 2,264 2,060 1,549 2002 2003 2004 2005 2006 Quantity of Plans - thousand Managed Portfolio - R$ million

  30. Infrastructure and Technology Distribution Network Northeast North Branches 993 Others 2,882 Total 3,875 Branches 242 Others 913 Total 1,155 Midwest Branches 390 Others 1,326 Total 1,716 Southeast Branches 1,534 Others 3,927 Total 5,461 South Branches 810 Others 2,096 Total 2,906

  31. Infrastructure and Technology Points of Service - thousand 2006 15.1 4.0 11.1 2005 14.8 3.9 10.9 2004 14.4 3.7 10.7 2003 13.2 3.2 10.0 2002 12.3 3.2 9.2 Branches Others Automated Teller Machine (ATM) - thousand 39.7 2006 2005 40.2 2004 39.0 2003 37.0 2002 33.6

  32. Infrastructure and Technology Transaction in Automated Channels - % 90.0 2006 2005 89.2 2004 88.4 2003 86.4 2002 84.1 Breakdown of Transactions - % ATM 3.8 3.9 2006 2005 7.7 9.0 Internet Banking Individuals 10.8 10.0 Internet Banking 47.1 48.3 Businesses Cashier 16.6 17.5 POS Others 12.7 12.7

  33. 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. D 2004 2005 2006 2005 - % Amount Contracted - R$ million 13.6 105.4 313.8 197.7 Benefited Families (thousand) 16.8 70.6 230.9 227.2 Involved Branches 428 1,482 2,502 68.8 Skilled Employees 1,370 4,062 6,052 49.0 Served Municipalities 642 1,503 2,788 85.5 Approved Business Plans 120 375 1,020 172.0 Productive Activities 40 70 70 -

  34. Banco do Brasil’s Foundation Social Investment: R$ million 2003 2004 2005 2006 Education 21.0 26.5 28.2 20.5 Job and Income 21.1 47.7 74.3 77.5 Total 42.1 74.1 102.4 98.1 Projects 561 1,357 1,154 1,013 AABB Comunidade Program Supported 50 thousand children in 2006 BB Educar Program Supported 65 thousand people in 2006 Productivity Chains 20 thousand producers at apiculture, handmade, caju culture, manioc culture, sheep and goat livestock farming, recycles

  35. Highlights

  36. 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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