Slide sem t

1
Banco do Brasil 1Q07 Results
2
Net Income
63.0
R million
36.3
26.7
29.4
19.8
22.5
14.2
18.0
2,343
1,546
1,409
1,248
938
907
?12.9
832
647
? 50.2¹
1Q06
2Q06
3Q06
4Q06
1Q07
Net Income
Recurring Net Income
Recurring ROE (Annualized) -
ROE (Annualized) -
(1) Change over recurring net income
3
Net Interest Income
R million
4,855
4,852
4,406
4,403
4,312
506
397
588
330
275
5,816
5,361
6,101
5,095
5,339
4,898
4,693
4,798
4,486
4,631
3,405
3,274
3,521
3,283
3,043
1Q06
3Q06
4Q06
1Q07
2Q06
Expenses
Loans
Others
NII
Securities
4
Net Interest Margin
17.2
15.7
14.6
13.6
12.9
8.5
8.4
8.1
7.9
7.9
1Q06
2Q06
3Q06
4Q06
1Q07
Annualized NIM by Loan Portfolio -
NIM Annualized¹ -
Selic Rate Annualized -
33.0
31.8
31.7
31.4
28.9
8.9
8.4
8.5
8.0
7.3
6.4
7.0
6.1
5.7
5.2
1Q06
2Q06
3Q06
4Q06
1Q07
Agribusinesses
Businesses
Individuals
(1) Net Interest Income over earning Assets
5
Loan Portfolio
R billion
? Over 1Q06 4Q06
33.0 5.4
140.4
133.2
38.8 1.1
12.3
118.3
12.2
113.1
32.1 8.9
105.5
26.1
10.4
24.0
9.9
8.9
23.2
21.6
19.8
26.2 3.8
46.8
45.1
40.3
39.9
37.1
38.5 6.3
51.9
55.2
41.7
44.4
39.8
1Q06
2Q06
3Q06
4Q06
1Q07
Businesses
Agribusinesses
Individuals
Abroad
6
Loan Portfolio - Individuals
R billion
? Over 1Q06 4Q06
32.1 8.9
26.1
24.0
23.2
21.6
(0.4) 1.2
9.7
19.8
9.6
10.1
10.1
9.8
99.0 12.6
9.3
8.3
7.4
6.0
4.7
7.9 25.8
2.7
2.1
2.3
2.4
2.5
21.8 3.8
3.2
3.1
2.8
2.7
2.6
0.2
0.4
0.6
1.2
0.9
421.7 34.4
1Q06
2Q06
3Q06
4Q06
1Q07
Car Loans
Credit Card
Overdraft Account
Payroll Loans
Others
7
Credit Risk
Average Risk -
6.9
6.8
6.6
6.2
6.2
6.7
6.6
6.6
BB
Banking Industry
5.4
5.4
Required Provision over Past Due Loans 90 days
-
222.7
213.9
214.0
211.1
177.3
174.1
172.7
173.9
168.1
166.9
BB
Banking Industry
1Q06
2Q06
3Q06
4Q06
1Q07
8
Delinquency and Provision for Credit Risk
5.5
5.6
5.0
4.9
4.8
1,757
1,431
1,385
1,345
1,257
7.4
7.4
7.3
6.5
6.5
1Q06
2Q06
3Q06
4Q06
1Q07
6.0
5.2
5.0
Provision Expense - R million
4.2
4.1
Provision Expense over Loan Portfolio¹ -
4.3
3.8
3.6
2.9
2.8
1Q06
2Q06
3Q06
4Q06
1Q07
Provision over Loan Portfolio -
Past Due Loans 15 days over Loan Portfolio -
Past Due Loans 60 days over Loan Portfolio -
(1) Average Portfolio and Expenses of the past 12
months
9
Credit Risk Provisions Breakdown
R million
9,133
8,757
8,635
8,414
7,731
1,582
548
752
1,397
749
8,209
7,662
7,551
7,238
6,982
Mar/06
Jun/06
Sep/06
Dec/06
Mar/07
Required Provision
Additional Provision
Total Provision
10
Deposits
R billion
? Over 1Q06 4Q06
15.4 1.1
160.7
158.8
144.9
(2.2) 2.0
139.9
139.2
5.3
5.2
5.7
6.0
5.4
17.3 5.1
76.9
80.9
72.3
68.9
69.4
11.6 (11.2)
35.6
40.1
32.4
31.9
31.4
18.1 6.1
38.9
36.7
34.4
33.0
33.2
Mar/06
Jun/06
Sep/06
Dec/06
Mar/07
Saving Deposits
Demand Deposits
Time Deposits
Others
11
Fee Income
R million
? Over 1Q06 4Q06
13.0 3.9
2,377
2,287
2,252
2,246
2,103
17.2 (3.3)
11.3 2.8
12.8 7.3
Products
Customers
Others
12
Customers and Asset Management
20.1
19.7
19.7
19.1
19.1
?5.7
?14.1
Customers - thousand
24.6
24.4
24.1
23.7
AUM - R billion
Market Share -
23.3
1Q06
2Q06
3Q06
4Q06
1Q07
Individuals
Businesses
13
Insurance
Value Added¹ - R million
315
300
250
245
236
?4.8
?33.7
1Q06
2Q06
3Q06
4Q06
1Q07
(1) Includes equity income, fee income, brokerage
and asset management income
14
Credit Cards
Value Added¹ - R million
558
508
486
454
441
? - 8.9
?15.1
1Q06
2Q06
3Q06
4Q06
1Q07
(1) Includes fee income, financing income, equity
income and others.
15
Credit Cards
14.4
14.1
11.4
9.9
9.5
? - 0.9
?20.5
Revenues¹ - R billion
Credit Cards - million
(1) Includes Credit Cards and Debit Cards
16
Administrative Expenses
R million
? Over 1Q06 4Q06
3,396
3,253
3,216
1.0 (6.2)
3,186
3,156
5.2 (7.6)
(1.8) (5.3)
Personnel Expenses¹
Other Administrative Expenses¹
(1) Legal risk is not included.
17
Human Resources and Logistics
Workforce - thousand
10.1
82.5
Points of Service - thousand
1Q07
15.1
15.1
15.0
15.0
14.9
11.1
11.2
11.0
11.1
10.9
3.9
3.9
4.0
4.0
4.0
1Q06
2Q06
3Q06
4Q06
1Q07
18
Productivity Ratio
R million
127.9
113.4
112.1
112.2
112.9
2,377
2,287
2,252
2,246
2,103
2,050
2,001
1,945
1,876
1,859
1Q06
2Q06
3Q06
4Q06
1Q07
Fee Income
Personnel Expenses
Coverage Ratio¹ -
(1) Year to Date
19
Productivity Ratio
R million
48.1
47.5
46.5
45.5
44.1
7,978
7,532
7,138
7,064
6,726
3,614
3,451
3,443
3,325
3,237
1Q06
2Q06
3Q06
4Q06
1Q07
Administrative Expenses
Operating Income
Efficiency Ratio¹ -
(1) Year to Date
20
Retail Strategies
Partnerships with Retailers
Five new partnerships with retailers in 2007,
totaling 18
Hybrid Private Label from 68 thousand cards in
Dec/06 to 155 thousand in Mar/07.
Car loans
694 formalized agreements (car dealers and
multibrand) Localiza R 28 million contracted
in 1,4 thousand operations Other partners R 50
million contracted in 2.5 thousand operations in
the 1Q07.
Mortgage Loans
Contracts reached R 16 million with R 1.7
million disbursed in less than two months
Disbursements expectation until years end R
650 million
Own Portfolio estimated to be implemented in the
2H07.
21
Investor Relations Unit SBS - Quadra 1 - Bloco C
- Ed. Sede III - 5 floor 70073-901 - Brasília
(DF) Phone [phone] Fax 55 (61)
3310.3735 www.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.