Apresenta

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2
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
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
Shareholders 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
Foreign Trade
Cards
Distribution and Retail Channels
Agribusiness
Government Affairs
Finance
Logistics
Human Resources
Controlling
Internal Controls
Technology
Credit
Strategy and Organization
Wholesale
New Retail Business
Pension Fund Management
Capital Markets and Investment
Employee Relations and Social Env Resp.
Retail
International
Insurance. Pension Plan. Capitalization
Investor Relations
Software Development
Risk Management
Security Management
Micro and Small Enterprises
Low Income
Information Technology
Restructuring of Operational Assets
Legal
High Income
Operations Support
Accounting
Marketing and Communication
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
BAMB BB -100 ON 100 Total
BB CONSÓRCIOS BB - 100 ON 100 Total
BANCO POPULAR DO BRASIL 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 DTVM BB -100 ON 100 Total
BB BI BB - 100 ON 100 Total
BB VIENA BB -100 ON 100 Total
BB CARTÕES BB - 100 ON 100 Total
BB CORRETORA BB - 100ON 100 Total
BANCO DO BRASIL SECURITIES LLC BB - 100
ON 100 Total
BB SECURITIES BAMB -100 ON 100
Total
BB TURISMO BAMB - 99 ON BB Leasing - 1
ON 100 Total
ATIVOS S.A. BB BI - 49 ON 74.50
Total BAMB - 51 ON 25.50 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
Insurance
Other Participation
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
CIBRASEC BB-BI 9.09 ON 9.09
Total
VISA VALE BB BI 35 ON
45.69 PN
40.35 Total
CLEARINGS BMF BB 0.32 Shares
0.32 Total CIP BB 9.78 ON
9.78 Total
BRASILSAÚDE BB-BI 49.92ON
49.92 Total
VISANET BB BI 35 ON A
28.16 ON B 31.67 Total
TECBAN BB BI 8.96 ON 8.96 Total
SBCE BB-BI 12.09 ON 12.09 Total
ALIANÇA DO BRASIL BBBI - 100ON 100
Total
Non-Strategic Participation
Non-Strategic Participation
ITAPEBI BB-BI 19 ON 19 Total
KEPLER WEBER BB-BI 20.07 ON 17.69
Total DTVM 0.0260 ON 0.0229
Total
PRONOR BB 1.77 ON
1.05 Total BI 5.51 ON
3.27 Total DTVM
29.51 ON 12.02 Total
NEOENERGIA BB-BI 8.81 ON
11.99 Total
CADAM BB 56.19 PN
21.64 Total
M A N A G E D
S P O N S O R E D
F O U N D A T I O N
CASSI
PREVI
FBB
BB PREVIDÊNCIA
8
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
Shares Performance
Price / Book Value
Price / Earnings
10.0
2004
9M08
10
Shares 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
Shares Performance
12
Profitability
2.418
2,343
32.1
31.0
2.023
26.8
26.9
24.0
1,536
1.498
23.0
76.5
954
75.3
6.0
5.9
58.4
5.1
52.8
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
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
9.0
10,6
11,7
11,7
10,7
2006
3Q07
3Q08
2004
2005
2006
2007
3Q08
Tier II
Tier I
Shareholders Equity - R billion
(1) Basel II since 3Q08
14
Assets
CAGR 19.0
Market Share
Assets - R billions
() Economic-Financial Consolidated
() Until Jun/08 - Source Brazilian Central
Bank
15
Funding
21.9
21.1
19.8
19.6
19.1
315.7
6.6
260.6
R billion
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
Money Market Borrowing
Saving Deposits
Market Share -
Demand Deposits
Others
Time Deposits
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
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
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
2004
2005
2006
2007
3Q08
Small and Micro Enterprises
Middle and Corporate 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
Businesses
Individuals
21
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
Credit Risk
Allowance/Loan Portfolio -
Required Provision/Loan Portfolio -
Past Due Loans 60 days/Loan Portfolio -
23
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
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
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
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
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
Structure
Account - million
CAGR () 8.5
8.3
11.0
Individuals
Businesses
Employees - thousand
() Since Sep/08 - Including BESC
29
Structure
Points of Services - thousand
11.6
3Q08
15.9
4.3
11.6
2007
15.3
11.3
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
Structure
Internet Banking million of customers
8.5
3Q08
8.5
2007
8.2
2006
7.9
2005
6.9
2004
Transactions per Channels -
3Q07
ATM
4.1
8.1
Internet
9.3
Cash
46.4
POS
Others
32.1
() Jul/08
32
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
Insurance Added Value
R million
1.096
926
720
CAGR 18.5
2004
9M07
9M08
34
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 [phone] bb.com.br ri_at_bb.
com.br Disclaimer - This presentation contains
references and statements. planned synergies,
increasing estimates, projections of results and
future strategy for Banco do Brasil, its
Associated and Affiliated Companies and
Subsidiaries. Although these references and
statements reflect the managements 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.