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Banco do Brasil 3Q08

Banco do Brasil 3Q08. 18.0. 17.8. 13.3. 11.3. 7.6. 5.7. 4.5. 3.1. Interest Rate Selic. Price Index - IPCA. Economic Environment. Ratio - %. 13.8. 11.2. 4.8. 3.0. 2004. 2005. 2006. 2007. 9M07. 9M08. Economic Environment. 383. 303. 304. 222. 192. 172. 206.5.

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Banco do Brasil 3Q08

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  1. Banco do Brasil 3Q08

  2. 18.0 17.8 13.3 11.3 7.6 5.7 4.5 3.1 Interest Rate Selic Price Index - IPCA Economic Environment Ratio - % 13.8 11.2 4.8 3.0 2004 2005 2006 2007 9M07 9M08

  3. Economic Environment 383 303 304 222 192 172 206.5 US$ billion 180.3 163.0 85.8 53.8 52.9 46.1 44.7 40.0 33.6 30.9 19.7 2004 2005 2006 2007 3Q07 3Q08 Sovereign Risk - basis points International Reserves Trade Balance

  4. Banking Industry 39.1 34.7 31.2 30.7 26.9 56.4 53.6 52.8 52.2 51.9 47.8 48.1 47.2 46.4 43.6 2004 2005 2006 2007 3Q08 Loan Segments - Free Resources % Loan / GDP - % Businesses Individuals Source: Brazilian Central Bank

  5. 10.6 11.7 13.0 12.4 16.6 20.2 27.5 26.6 26.7 47.2 45.1 42.5 Loan Segments Individual Loan Segments - % 9.6 9.5 19.6 20.4 21.8 25.7 49.0 44.5 2004 2005 2006 2007 3Q08 Others Payroll Loan Vehicles Credit Cards / Overdraft Account Source: Brazilian Central Bank

  6. Shareholder’s General Meeting Board of Auditors Board of Directors Audit Committee Internal Audit Board of Officers CEO VP of International Business and Wholesale VP of Cards and New Retail Business VP of Retail and Distribution VP of Agribusiness VP of Government Affairs VP of Finance. Capital Markets and IR VP of Technology and Logistics VP of Human Resources and Social Environmental Responsibility VP of Credit. Controlling and Risk Management Logistics Internal Controls Controlling Foreign Trade Cards Distribution and Retail Channels Agribusiness Government Affairs Finance Human Resources Technology Strategy and Organization Credit Wholesale New Retail Business Retail Pension Fund Management Capital Markets and Investment Employee Relations and Social Env Resp. Software Development Security Management Risk Management International Insurance. Pension Plan. Capitalization Investor Relations Micro and Small Enterprises Information Technology Legal Restructuring of Operational Assets Low Income Operations Support Marketing and Communication Accounting High Income Executive Secretariat Directorships Units

  7. Banco do Brasil National Treasury 64.7 % Previ 10.4 % BNDESPAR 2.5 % Individuals 5.5 % Businesses 4.5 % Foreigners 11.5 % Others 0.9 % C O N T R O L L E D BB LEASING Co. LTD 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 BB DTVM BB -100% ON 100% Total BB BI BB - 100% ON 100% Total COBRA BB-99.36% ON 99.35% Total BI-0.04% ON 0.04% Total BB LEASING 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% ON BB Leasing - 1% ON 100% Total BB VIENA BB -100% ON 100% Total BB CARTÕES BB - 100% ON 100% Total BANCO DO BRASIL SECURITIES LLC BB - 100% ON 100% Total R E L A T E D C O M P A N I E S / P A R T I C I P A T I O N B B B I B B Strategic Participation Strategic Participation Other Participation Insurance BRASILPREV BB-BI 49.99% ON 49.99% Total BRASILCAP BB-BI 49.99% ON 49.99% Total BRASIL VEÍCULOS BB-BI 40% ON 70% Total VISA VALE BB BI 35% ON 45.69% PN 40.35% Total CIBRASEC BB-BI 9.09% ON 9.09% Total CLEARINGS BM&F BB 0.32% Shares 0.32% Total CIP BB 9.78% ON 9.78% Total VISANET BB BI 35% ON A 28.16% ON B 31.67% Total TECBAN BB BI 8.96% ON 8.96% Total BRASILSAÚDE BB-BI 49.92%ON 49.92% Total SBCE BB-BI 12.09% ON 12.09% Total ALIANÇA DO BRASIL BBBI - 100%ON 100% Total Non-Strategic Participation Non-Strategic Participation ITAPEBI BB-BI 19% ON 19% Total PRONOR BB 1.77% ON 1.05% Total BI 5.51% ON 3.27% Total DTVM 29.51% ON 12.02% Total KEPLER WEBER BB-BI 20.07% ON 17.69% Total DTVM 0.0260% ON 0.0229% Total NEOENERGIA BB-BI 8.81% ON 11.99% Total CADAM BB 56.19% PN 21.64% Total S P O N S O R E D M A N A G E D F O U N D A T I O N FBB CASSI PREVI BB PREVIDÊNCIA

  8. 21.7 10.0 14.8 7.2 6.9 6.8 11.7 2.8 3.4 7.6 4.0 3.5 2004 2005 2006 2007 Ownership Structure Participation Free Float - % 21.5 Free float: 21.5% 10.0% 11.5 11.5% 2.5% 10.0 10.4% 64.7% 0.9% 3Q08 National Treasure BNDESPar Others PREVI Foreign Investors BESC Shares* (*) Besc and Bescri Shares in Homologate Process

  9. 3.1 2.5 2.2 2.0 1.8 2004 2005 2006 2007 9M08 14.9 8.7 8.6 8.1 2005 2006 2007 Share’s Performance Price / Book Value Price / Earnings 10.0 2004 9M08

  10. 2.4 2.0 1.7 1.3 2004 2005 2006 2007 Share’s Performance Dividends and Interest on Own Capital / Share – R$ 1.0 0.9 0.8 0.6 0.4 2004 2005 2006 2007 9M08 Earnings / Share – R$ 2.3 9M08

  11. 543.0% 522.8% 506.3% 444.9% 419.7% sep/03 sep/04 sep/05 sep/06 sep/07 sep/08 Banco do Brasil Unibanco Ibovespa Bradesco Itaú Share’s Performance

  12. Profitability 2.418 2,343 32.1 31.0 2.023 26.8 26.9 1,536 24.0 23.0 1.498 76.5 954 75.3 6.0 5.9 58.4 52.8 5.1 4.2 3.8 33.7 3.0 26.0 2004 2005 2006 2007 9M07 2004 2005 2006 2007 9M07 9M08 9M08 Dividends and Interest on Own Capital - R$ million ROE - % Market Capitalization - R$ billion Net Income - R$ billion

  13. 24.3 16.9 14.1 2004 2005 2007 Capital Structure Basel¹ 27.9 17.3 23.1 17.1 15.6 15.2 20.8 13.5 5,6 5,4 4,9 4,6 4.5 10,6 11,7 11,7 10,7 9.0 2006 3Q07 3Q08 2004 2005 2006 2007 3Q08 Tier I Tier II Shareholder’s Equity - R$ billion (1) Basel II since 3Q08

  14. 19.5% 17.7% 17.2% 16.6%* 16.4% 458.9** 357.8 296.4 253.0 239.0 2004 2005 2006 2007 9M08 Assets CAGR: 19.0% Market Share % Assets - R$ billions (*) Until Jun/08 - Source: Brazilian Central Bank (**) Economic-Financial Consolidated

  15. Funding 21.9 21.1 19.8 19.6 19.1 315.7 6.6 R$ billion 260.6 52.7 5.6 CAGR (%): 19.9 208.1 45.8 43.0 3.4 5.2 168.2 160.1 36.7 51.3 15.1 5.5 85.6 5.8 32.8 40.1 31.1 11.1 72.3 35.8 29.0 49.3 19.0 30.5 44.5 127.8 28.7 85.5 76.9 63.5 49.7 2004 2005 2006 2007 3Q08 Market Share - % Money Market Borrowing Saving Deposits Time Deposits Demand Deposits Others

  16. Funding Funding Cost - as % of Selic 100.0 92.0 81.4 69.7 64.5 62.3 61.0 Savings Deposits Total Deposits Time Deposits Money Market Borrowing Judicial Deposits Total Funding

  17. 16.5 16.5 15.9 16.0 15.3 Loan Portfolio 202.2 12.9 202.2 160.7 11.4 CAGR (%): 24.6 60.5 133.2 R$ billion 10.0 12.2 51.9 101.8 20.5 88.6 45.1 9.2 9.0 28.4 85.3 35.7 65.5 30.0 30.3 51.9 38.5 33.4 43.4 32.0 24.0 18.4 16.1 2004 2005 2006 2007 3Q08 Individuals Agribusiness Market Share - % Businesses Abroad

  18. 32.0 2.9 2.4 4.3 18.4 16.1 0.2 0.3 2.2 11.9 2.3 2.5 2.0 3.8 1.5 10.5 10.0 9.7 2004 2005 2007 Consumer Finance R$ billion 43.4 5.6 2.7 CAGR (%): 30.3 24.0 6.6 118.3 0.9 2.2 4.0 3.1 14.5 37.4 8.3 84.0 14.0 9.5 9.5 2006 3Q08 Others Credit Card Vehicle Loans Payroll Loans Overdraft Account

  19. Credit to Businesses 85.3 R$ billion 65.5 32.0 CAGR (%): 28.4 51.9 26.7 24.6 29.5 38.5 18.3 33.4 15.4 13.2 53.3 40.9 33.6 23.1 20.2 3Q08 2004 2005 2006 2007 Middle and Corporate Enterprises Small and Micro Enterprises

  20. Credit to Agribusiness R$ billion 60.5 51.9 17.9 45.1 CAGR (%): 20.5 11.7 47.7 35.8 8.5 30.1 14.2 5.3 4.2 42.6 40.2 36.6 30.5 25.9 2004 2005 2006 2007 3Q08 Individuals Businesses

  21. 5.4 4.5 3.5 2004 2005 2007 Credit Risk 5.0 4.7 4.3 3.7 3.3 5.7 6.1 2006 3Q08 Provision Expenses - R$ billion Provision Expenses/Loan Portfolio - % (1) Average Loan Portfolio and Expenses in the last 12 months.

  22. 6.4 6.4 6.2 5.9 5.5 5.6 5.4 5.4 5.4 5.2 3.4 3.3 2.8 2.8 2.6 3Q07 4Q07 1Q08 2Q08 3Q08 Credit Risk Allowance/Loan Portfolio - % Required Provision/Loan Portfolio - % Past Due Loans + 60 days/Loan Portfolio - %

  23. 20.8 18.1 16.7 15.7 36.7 33.6 31.3 15.1 14.4 14.2 21.6 19.2 17.1 2004 2005 2006 Net Interest Income 17.2 R$ billion 15.4 40.0 37.8 30.0 14.7 14.4 11.3 23.5 25.3 18.7 2007 9M07 9M08 Loan Revenues Net Interest Income Other Interest Revenues

  24. 13.5 11.7 11.5 11.0 10.8 7.8 7.5 7.3 7.2 7.2 3Q08 3Q07 4Q07 1Q08 2Q08 NIM Average Selic - % NIM¹ - % NIM by Portfolio - % 27.7 26.6 24.1 23.4 22.0 7.2 6.9 6.9 6.6 6.5 6.6 5.2 5.0 4.9 5.8 3Q07 4Q07 1Q08 2Q08 3Q08 Individuals Businesses Agribusiness (1) Net Interest Income over Earning Assets

  25. 27.3 13.1 2005 Productivity 54.2 51.4 48.1 47.5 50.8 46.6 46.9 45.2 45.0 R$ billion 30.9 28.9 24.6 23.0 23.2 14.5 13.7 12.6 11.1 10.3 2004 2006 2007 9M07 9M08 Efficiency Ratio - % Efficiency Ratio without Extraordinary Itens - % Administrative Expenses¹ Operating Income¹ (1) Without one-off itens

  26. 9.9 8.9 7.9 7.8 7.6 7.5 7.1 6.6 Productivity 130.7 128.8 127.7 112.9 102.3 93.1 124.7 108.1 107.2 R$ billion 7.9 7.3 6.1 5.6 2004 2005 2006 2007 9M07 9M08 Coverage Ratio - % Coverage Ratio without Extraordinary Itens - % Personnel Expenses¹ Fee Income (1) Without one-off itens

  27. 75.7 67.4 55.8 62.5 20.2 23.7 49.3 14.1 17.8 41.3 9.3 6.9 47.2 52.0 41.7 44.7 40.0 34.4 2004 2005 2006 2007 9M07 9M08 Credit and Debit Cards 49.1 45.5 38.6 34.8 30.3 24.8 CAGR (%): 17.6 38.8 11.7 Revenues – R$ billion Debit Cards Issued - million Credit Cards Issued - million

  28. 3Q08 28.0 2.0 30.1 2007 25.7 1.7 27.4 1.6 2006 24.2 25.7 2005 23.0 1.4 24.4 2004 20.8 1.4 22.1 3Q08 85.4 2007 81.9 2006 82.7 2005 83.8 2004 79.7 Structure Account* - million CAGR (%): 8.5 8.3 11.0 Individuals Businesses Employees - thousand (*) Since Sep/08 - Including BESC

  29. 11.1 2006 15.1 4.0 2005 10.9 14.8 3.9 10.7 2004 14.5 3.7 2007 91.3 3Q08 2006 90.0 90.4 2005 89.2 2004 88.4 Structure Points of Services* - thousand 11.6 3Q08 15.9 11.6 4.3 11.3 2007 15.3 4.0 Others Branches Transaction in Automated Channels - % (*) Since Sep/08 - Including BESC

  30. Structure Distribution Network by Customer 6.0% Northeast North Retail 984 Wholesale 7 Government 9 High Income 10 Retail 234 Wholesale 2 Government 7 High Income 2 24.8% 9.9% Midwest Retail 385 Wholesale 5 Government 4 High Income 10 38.7% Southeast Retail 1.480 Wholesale 48 Government 5 High Income 46 South 20.6% Retail 804 Wholesale 22 Government 3 High Income 9

  31. 3Q08* 5.8 8.7 9.6 42.1 33.8 Structure Internet Banking – million of customers 3Q08 8.5 2007 8.5 2006 8.2 2005 7.9 2004 6.9 Transactions per Channels - % 3Q07 ATM 4.1 8.1 Internet 9.3 Cash 46.4 POS Others 32.1 (*) Jul/08

  32. 241.5 220.1 182.7 153.5 124.0 2004 2005 2006 2007 3T08 Asset Management Customer Profile R$ billion Foreign Investors 4.2% Retail 25.3% Institutional Investors 44.0% Wholesale 9.9% Public Sector 16.6% Investment Profile Others 12.8% CAGR: 19.5% Multi-strategy Fixed Income 18.7% 55.0% Equities 13.4%

  33. 1.200 1.123 889 2005 2006 2007 Insurance – Added Value R$ million 1.096 926 720 CAGR: 18.5% 2004 9M07 9M08

  34. For further information access www.bb.com.br/ir Investor Relations Unit SCN - Quadra 2 - Bloco A - 6th floor - Room 602 Ed. Corporate Financial Center 70712-900 - Brasília (DF) Phone: 55 (61) 3101.8781 Fax: 55 (61) 3101.8793 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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