Banco do Brasil S.A.

1
Banco do Brasil S.A. 3Q07
2
Economic Environment
Ratio -
14.2
11.2
3.0
2.0
9M07
9M06
Interest Rate - Selic
Price Index - IPCA
Source Central Bank and Brazilian Institute of
Geography and Statistics - IBGE
3
Economic Environment
231
177
163.0
USD billion
73.3
34.0
30.9
3Q07
3Q06
Sovereign Risk basis points
Trade Balance
International Reserves
Source Agência Estado, Ministry of Development,
Industry and Foreign Trade and Central Bank
4
Banking Industry
33.1
30.8
28.1
26.9
26.2
60.5
56.4
52.8
52.2
50.8
49.2
47.8
47.2
43.6
39.5
2003
2004
2005
2006
Sep/07
Loan Segments Free Resources
Loan / GDP -
Businesses
Individuals
Source Central Bank
5
Loan Segments
Individual Loan Segments -
10.6
10.4
11.7
13.0
12.4
16.6
20.2
20.6
27.5
26.6
25.8
26.7
47.2
45.1
42.5
43.2
2003
2005
2006
2004
Sep/07
Payroll Loan
Credit Card / Overdraft Account
Cars
Others
Source Central Bank
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
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 99.34 Total BI-0.03
ON 0.03 Total
BB LEASING BB - 100 ON 100 Total
BB BI BB - 100 ON 100 Total
BB CORRETORA BB - 100ON 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
BB SECURITIES BAMB -100 ON 100
Total
BB TURISMO BAMB - 99 ON BB LEASING 1ON
100Total
ATIVOS S.A. BB BI - 49 ON 74.50
Total BAMB - 51 ON 25.50 Total
Affiliated Companies BB BI
B B
Strategic Partnerships
Strategic Partnerships
Other Partnerships
ALIANÇA DO BRASIL BB-BI 40 ON 70
Total
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
40.35 Total
CLEARINGS CIP BB 9.78 ON
9.78 Total CBLC BB 2.45 ON
2.45 Total
BRASILSAÚDE BB-BI 49.92ON
49.92 Total
VISANET BB BI Classe A 35
Classe B 28.75 31.99 Total
TECBAN BB BI 8.96 ON 8.96 Total
SBCE BB-BI 12.08 ON 12.08 Total
Non-Strategic Partnerships
Non-Strategic Partnerships
ITAPEBI BB-BI 19 ON 19 Total
KEPLER WEBER BB-BI 24.38 ON 24.38
Total DTVM 0.30 ON 0.30 Total
PRONOR BB 0 ON
1.05 Total BI 0 ON
3.27 Total DTVM 29.5 ON
12.02 Total
NEOENERGIA BB-BI 8.81 ON 8.81
Total
CADAM BB 0 ON 21.64
Total
7
Organizational Structure
General Shareholders Meeting
Board of Auditors
Board of Directors
Audit Committee
Internal Audit
CEO
Board of Officers
International Business and Wholesale
Retail Service and Distribution
Government Affairs
Credit and Debit Cards and New Retail Business
Agribusinesses
Technology and Logistic
Finance, Capital Market and Investor Relations
Human Resources and Social- Environmental Responsi
bility
Credit, Controlling and Risk Management
Vice-Presidents
8
Banco do Brasils Shares
Participation -
11.4
5.0
7.3
68.7
Free Float 14.8
7.5
National Treasury
Foreign Investors
PREVI
Others
BNDESPar
As of June 2007
9
Shares Performance
15.0
8.7
8.6
8.1
7.4
2003
2004
2005
2006
9M07
3.3
Price / Earnings
2.5
2.0
1.8
1.4
2003
2004
2005
2006
9M07
Price / Book Value
10
Shares Performance
Payout -
4.6
4.4
4.2
3.7
2.0
2003
2004
2005
2006
9M07
Dividend Yield -
11
Shares Performance
612.8
277.7
Sep/03
Sep/04
Sep/05
Sep/06
Sep/07
Ibovespa
Banco do Brasil
12
Performance
1,555
1,536
2,418
35.9
862
32.1
26.8
23.0
22.3
1,498
24.0
76.5
954
746
6,044
52.8
41.3
4,796
3,841
2006
2003
2004
2005
2006
9M06
9M07
1H06
2S06
9M07
ROE -
Dividends / Interest on Capital - R million
Net Income - R million
Market Capitalization - R billion
13
Capital Structure
17.7
17.3
17.1
15.7
15.2
13.7
23.1
2003
2004
2005
2006
2003
2004
2005
2006
3Q06
3Q07
3Q06
3Q07
BIS Ratio -
Shareholders Equity - R billion
Tier I -
Tier II -
14
Highlights
17.3
16.5
16.5
16.3
15.9
15.3
15.1
14.8
342.4
150.2
296.4
281.6
133.2
118.3
253.0
239.0
230.1
101.8
88.6
77.6
CAGR 11.2
CAGR 19.3
3Q06
3Q07
3Q06
3Q07
2003
2004
2005
2006
2003
2004
2005
2006
Market Share -
Market Share¹ -
Assets - R billion
Loan Portfolio - R billion
(1) Domestic Portfolio
15
Highlights
22.4
20.2
19.7
20.3
20.2
20.2
19.0
19.1
172.2
158.8
206.9
144.9
137.7
182.7
180.6
115.5
153.5
110.0
124.0
102.7
CAGR 12.7
CAGR 20.5
2003
2004
2005
2006
2003
2004
2005
2006
3Q06
3Q07
3Q06
3Q07
Market Share -
Market Share -
Assets Under Management - R billion
Deposits - R billion
16
Highlights
Customers - million
3Q07
25.2
3Q06
24.1
CAGR
8.3
2006
24.4
22.8
1.6
8.0
Employees - thousand
Individuals
Businesses
3Q07
80.0
3Q06
82.6
2006
82.7
17
Infrastructure and Technology
Distribution Network
7.6
Northeast
North
Branches 998 Others 2,892 Total 3,890
Branches 242 Others 921 Total
1,163
25.6
11.3
Midwest
Branches 391 Others 1,332 Total 1,723
35.9
Southeast
Branches 1,541 Others 3,913 Total
5,454
South
19.6
Branches 812 Others 2,168 Total
2,980
18
Infrastructure and Technology
Points of Service - thousand
4.0
11.2
3Q07
15.2
3.9
11.0
3Q06
15.0
Automated Teller Machine (ATM) - thousand
Branches
Others
3Q07
39.4
3Q06
42.6
39.7
2006
19
Infrastructure and Technology
Transaction in Automated Channels -
Breakdown of Transactions -
3Q07
3Q06
ATM
Internet Banking
Cashier
POS
Others
20
Productivity
53.5
55.8
54.2
48.2
48.1
47.5
22.1
19.0
9.7
6.7
2003
2004
2005
2006
9M06
9M07
Administrative Expenses - R billion
Operational Income - R billion
Efficiency Ratio -
21
Productivity
128.8
113.4
112.9
102.3
93.1
80.6
7.3
6.6
5.4
5.2
2003
2004
2005
2006
9M06
9M07
Fee Income - R billion
Personnel Expenses - R billion
Coverage Ratio -
22
Net Interest Income
15.3
R billion
18.0
13.3
16.7
15.5
1.7
1.6
1.2
2.0
2.9
9.6
10.2
13.5
12.4
11.3
18.7
15.8
14.6
13.9
21.6
18.7
19.2
16.8
17.1
15.8
9M06
9M07
2004
2005
2006
Net Interest Income
Loan Revenues
Security Revenues
Other Interest Revenues
Interest Expense
23
Funding
R billion
247.0
208.1
189.2
168.2
160.1
150.1
2003
2004
2005
2006
3Q06
3Q07
Demand Deposits
Saving Deposits
Time Deposits
Others¹
(1) Include Interbank Deposits, Investment
Deposits and Money Market Borrowing
24
Loan Portfolio
R billion
133.2
101.8
88.6
2004
2005
2006
3Q06
3Q07
Individuals
Businesses
Agribusiness
Abroad
25
Delinquency
7.4
6.4
6.4
6.3
5.6
5.4
5.2
5.9
4.8
4.7
3.9
3.8
3.4
3.2
3.2
Sep/03
Sep/04
Sep/05
Sep/06
Sep/07
Allowance / Loan Portfolio -
Past Due Loans 15 days / Loan Portfolio -
Past Due Loans 60 days / Loan Portfolio -
26
Loan Portfolio - Individuals
R billion
29.5
24.0
23.2
10.1
18.4
16.1
9.9
11.0
7.4
2.6
2.4
3.6
2.8
2.2
0.6
2004
2005
2006
3Q06
3Q07
Cars
Overdraft Account
Credit Cards
Payroll Loan
Others
27
Loan Portfolio - Businesses
R billion
59.7
51.9
44.4
38.5
33.4
26.3
18.1
2004
2005
2006
3Q06
3Q07
Middle and Large Enterprises
Small and Micro Enterprises
28
Loan Portfolio - Agribusiness
R billion
48.4
45.1
40.3
35.7
30.0
2.0
1.7
1.8
2004
2005
2006
3Q06
3Q07
Small-Sized Farmers
Cooperative
Mini-Sized Farmers
Other Farmers
29
Retail
14.1
17.8
11.4
9.3
6.9
5.3
37.9
35.0
31.6
27.1
24.3
18.1
2003
2004
2005
2006
9M06
9M07
Issued Credit Cards - million
Credit Card Revenue - R billion¹
(1) Debt cards included
30
Insurance
Car Insurance
726
647
676
625
578
423.3
500
366.7
367.0
318.5
238.7
171.8
2003
2004
2005
2006
3Q06
3Q07
Managed Portfolio - R million
Insured Cars - thousand
31
Insurance
Life Insurance
1,748
1,803
1,697
1,417
1,351
1,263
880.9
820.1
728.2
717.1
680.6
570.5
2003
2004
2005
2006
3Q06
3Q07
Managed Portfolio - R million
Insured Lives - thousand
32
Insurance
Pension Fund
1,960
1,760
1,713
1,576
1,365
14,662
1,178
12,480
11,634
9,659
7,781
5,586
2003
2004
2005
2006
3Q06
3Q07
Managed Portfolio - R million
Participants - thousand
33
Insurance
Capitalization (Annuity Plans)
2,949
2,840
2,851
2,782
2,792
2,661
2,886
2,834
2,875
2,629
2,264
2,060
2003
2004
2005
2006
3Q06
3Q07
Managed Portfolio - R millions
Quantity of Plans - thousand
34
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.
35
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.