Apresentao do PowerPoint

1
Unibanco and Unibanco Holdings, S.A.
Consolidated Earnings 1st Quarter 2007 May
10th, 2007
Investor Relations
2
Performance
R Millions
1Q07
D 1Q07/1Q06
11.7
Net Income
581
11.7
938
Operating Income
25.1
24.0
10.3
21.0
9.5
16.1
8.4
7.4
1Q07
1Q05
1Q04
1Q06
Annualized ROAE ()
Stockholders Equity (R Bln)
3
Highlights

• 5.4 Retail portfolio growth in 1Q07
• - Payroll loans 20.9 (64.5 YoY)
• - Car loans 9.0 (34.0 YoY)
• - SMEs 5.8 (20.3 YoY)

Loan Portfolio

• 18.4 reduction in provision for loan losses,
  1Q07 vs 1Q06 (down 1.7 QoQ)
• Better ratio of D-H portfolio over total loans
  (6.2 vis-à-vis 8.0 in March 2006)
• Higher E-H portfolio coverage ratio, 116,
  compared to 113 in March 2006

Asset Quality Improvement
Destaques

• Personnel and Administrative expenses
• - 7.8 reduction compared to 4Q06
• - 4.2 up in 12 months
• - 1.8 up in 12 months for companies under
  Unibancos direct management

Operational Efficiency

• Unibanco ADTV(1) (Bovespa NYSE) R220 million
  in 1Q07 versus R179 million in 1Q06, a 23
  increase
• Market Capitalization(2) R30.2 billion

Stocks
(1) Average Daily Trading Volume (2) As of May
9th, 2007
4
Performance 1Q07 versus 1Q06
1Q06 100
133
118
100
100
100
82
Loan Portfolio
Provision for Loan Losses
Core Deposits
112
112
104

100
100
100
Administrative Expenses
Operating Income
Net Income
1Q07
1Q06
5
Performance 1Q07 versus 4Q06
1Q06 100
104
105
100
100
100
98
Loan Portfolio
Provision for Loan Losses
Core Deposits
101
102
100
100
100
92

Administrative Expenses
Operating Income
Net Income
1Q07
4Q06
6
Income Statement Summary
R Millions
1Q07
1Q06
4Q06
Gross Profit from Financial Intermediation

2,408
2,490
2,358
Provisions for Loan Losses
(524)
(533)
(642)
Net Profit from Financial Intermediation
1,884
1,957
1,716
869
886
839
Fees from Services Rendered
Personnel and Administrative Expenses
(1,384)
(1,501)
(1,328)
Operating Income
938
917
840

581
576
520
Net Income
7
Financial Indicators
R Millions
Loan Portfolio
Total Assets
47,001
115,191
45,361
43,323
103,709
41,929
101,999
39,684
98,217
93,689
Mar-06
Dec-06
Mar-07
Mar-06
Jun-06
Dec-06
Mar-07
Sep-06
Sep-06
Jun-06
Net Profit from Financial Intermediation
Earnings per Share (R)
1,957
1,902
0.21
0.21
1,884
1,724
0.20
0.20
0.19
1,716
1Q06
2Q06
3Q06
4Q06
1Q07
1Q06
2Q06
3Q06
4Q06
1Q07
8
Loan Portfolio Growth
18.4
R Millions
3.6
47,001
45,361
27,330
39,684
Retail
25,940
5.4
23,281
1.3
19,671
Wholesale
19,421
16,403
Dec-06
Mar-07
Mar-06
D 2006
D 12 months
D Quarter
Brazilian Financial System
20.7
21.0
3.3
13.8
18.4
3.6
9
Loan Portfolio Growth
R Millions
Mar-06
Dec-06
Mar-07
D Quarter
D 12 months
Portfolio highlights
64.5
20.9
1,496
2,461
2,036
Payroll Loans
9.0
34.0
Car Loans
3,739
5,009
4,594
SMEs
7,488
9,011
8,515
20.3
5.8
Mortgages
1,396
1,545
1,476
10.7
4.7
Large Corporate
16,403
19,671
19,421
19.9
1.3
Credit Cards
3,987
4,947
5,070
24.1
-2.4
Consumer Finance Companies
2,900
2,715
2,808
-6.4
-3.3
Individuals
5.1
16.0
15,793
18,319
17,425
Corporate
2.7
20.1
23,891
28,682
27,936
Total Portfolio
3.6
18.4
39,684
47,001
45,361
10
Payroll Loans
R Millions
64.5
20.9
2,461
2,036
1,246
6.2
1,496
1,173
1,021
40.8
1,215
863
475
Dec-06
Mar-07
Mar-06
Acquired portfolio
Own portfolio
11
Auto Financing
Cars Trucks Buses Loans
34.0
R Millions
5,009
3,739
Mar-06
Mar-07
Focus New Cars (Financed Units)
Focus New Trucks Buses (Financed Units)
1Q06 100
1Q06 100
1Q07
1Q07
193
170
123
116
Market
Market
12
Credit Cards
Billings (Unicard Hipercard)
Loan Portfolio (Unicard Hipercard)
24.1
31.2
R Millions
R Millions
5,474
4,947
3,987
4,172
1Q06
1Q07
Mar-06
Mar-07
Number of cards (In millions)
30
30.0
25.0
22
Total Cards
20.0
15.0
Private Label cards
10.0
8
5.0
Credit Cards
Jun-04
Dec-04
Jun-05
Dec-05
Jun-06
Dec-06
Mar-07
13
Financial Margin
16.5
Provision for Loan Losses / Financial Margin
Selic Rate
-730 b.p.
12.75
10.9
29.1
9.3
27.9
27.2
7.9
7.2
23.3
21.8
21.4
1Q06
1Q07
1Q07
2Q06
3Q06
1Q06
4Q06
4Q05
Financial Margin After Provision
Financial Margin
14
Asset Quality
D-H Portfolio / Loan Portfolio
Coverage D-H Portfolio
92
92

69
Mar-06
Dec-06
Mar-07
Coverage E-H Portfolio
6.2
6.4
8.0
116
115

113
Mar-06
Dec-06
Mar-07
Mar-06
Dec-06
Mar-07
15
Deposits and Assets under Management
R Millions
Mar-07
Dec-06
Mar-06
3,963
Demand Deposits
4,014
3,959
6,757
Savings Deposits
5,248
7,510
5,452
Core Deposits CDs
3,604
5,478
16,172
Core Deposits
17,002
12,811
29,631
Time Deposits Debentures
28,725
29,430
45,803
Total Deposits Debentures (A)
46,432
41,536
43,780
Assets Under Management (B)
39,924
45,606
89,583
Total Deposits Debentures AUM (AB)
92,038
81,460
45
Core Deposits / Total Deposits
35
49
16
Personnel and Administrative Expenses
R Millions
Total Expenses
4.2
-7.8
1,501
1,384
1,328
-3.0
558
541
535
-10.6
943
843
793
4Q06
1Q07
1Q06
Administrative
Personnel
17
Fee Income
R Millions
4Q06
1Q07
1Q06
Banking fees and commissions
460
510
520
Credit Cards own cards(1)
135
121
102
Assets under management
82
76
97
Other fees
97
90
92
824
807
751
Subtotal
Redecard
62
62
88
Total
886

869
839
(1) Hipercard Unicard
18
Efficiency Ratio
59.5
R Millions
53.7
51.1
48.8
47.5
2,940
2,835
1,501
1,384
1Q05
1Q06
1Q04
1Q07
4Q06
Efficiency Ratio
Revenues
Expenses
19
Insurance and Pension Plans
R Millions
1Q07
4Q06
1Q06
Income Statement Summary
903
Net premiums written
849
1,142
551
Premiums earned
474
625
111
Industrial result
79
106
(67)
Personnel and administrative expenses
(58)
(63)
31
Operating income
30
35
82
53
85
Financial equity result
79
Net Income
92
69
8,298
Technical Reserves
7,304
8,730
44.6
Loss Ratio
55.6
47.3
94.4
Combined Ratio
93.7
94.4
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Ratings
Moody's upgrades Unibanco's Rating

• On April 27th, 2007, Moodys Investors Service
  upgraded Unibancos Financial Strength rating to
  B- (B minus) from C-, representing a 3-notch
  upgrade
• This upgrade places Unibanco among the top
  Brazilian banks in Financial Strength

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2007 Our 10th anniversary on NYSE
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Unibanco and Unibanco Holdings, S.A.
Investor Relationsphone 5511-3584-1980 fax
5511-3584-1585email investor.relations_at_unibanco.
com site www.ir.unibanco.com
This presentation contains forward-looking
statements regarding Unibanco, its subsidiaries
and affiliates - anticipated synergies, growth
plans, projected results and future strategies.
Although these forward-looking statements reflect
managements good faith beliefs, they involve
known and unknown risks and uncertainties that
may cause the Companys actual results or
outcomes to be materially different from those
anticipated and discussed herein. These risks and
uncertainties include, but are not limited to our
ability to realize the amount of the projected
synergies and the timetable projected, as well as
economic, competitive, governmental and
technological factors affecting Unibancos
operations, Junkets, products and prices, and
other factors detailed in Unibancos filings with
the Securities and Exchange Commission which
readers are urged to read carefully in assessing
the forward-looking statements contained herein.
Unibanco undertakes in duty to update any of the
projections contained herein.