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Banco do Brasil 1Q10
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Disclaimer
The tables and charts in this presentation show
the financial numbers, rounded, in R millions.
The columns of variation and the totalizers
expand upon the financial figures and not the
rounded numbers in R millions. The used
roundings follows the rules established by
Resolution 886/66 of Foundation IBGE If the last
digit is less than 5, it increases by one unit
the last digit to stay if the last figure is
less than 5, the last digit to stay remains
unchanged. The variations in both percentage and
nominal, were calculated using numbers in
units. Banco do Brasil is doing a stock
offering. Read carefully the Offering Memorandum,
specially the "Risk Factors" section.
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Economic Environment
Price Index IPCA¹ -
Interest Rate Selic² -
(1) 12 months Sorce IBGE
(2) End of Period Source Central Bank
Total Payroll Index³
Unemployment4 -
(4) 12 months average Source IBGE
(3) Base 100 May/2002 Source IBGE
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Banking Industry
Banking Industry Loan Portfolio - R trillion
Banking Industry Loan Operations¹ - R billion
Credit Risk
Consumer Loans² - R billion
Vehicle
Allowance / Portfolio -
Mortgage
Payroll
Past Due Loan 90 dias / Loan Portfolio -
(1) Loan as reference for interest rate (2) Free
Resources Source Central Bank
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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 Retail Business
VP of Retail and Distribution
VP of Agribusiness
VP of Government
VP of Finance, Capital Markets and IR
VP of Technology and Logistics
VP of People Management and Sustainable
Development
VP of Credit, Controllership and Global Risk
Foreign Trade
Cards
Distribution and Retail Channels
Agribusiness
Government
Finance
Logistics
People Management
Controllership
Internal Controls
Technology
Credit
Strategy and Organization
Commercial
Loans and Financing
Capital Markets and Investment
Relations with Employees and Sponsored Entities
Retail
International
Insurance, Pension Plans and Capitalization
Investor Relations
Software Development
Risk Management
Security Management
Micro and Small Enterprises
Sustainable Development
IT Infraestructure
Reestructuring of Operational Assets
Legal
São Paulo Distribution
Pension Fund Management
Operational Support
Accounting
Marketing and Communication
High Income
Executive Secretariat
Channel Mannagement
Directorships
Units
Position Mar.31, 2010
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Position Mar.31, 2010
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Ownership Structure
Participation
Free Float -
21.9
21.7
Free float 21,9
21.5
21.8
14.8
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Shares Performace
Dividends and Interest on Own Capital / Share R
Price / Book Value
Price / Earnings¹
Earnings / Share R
(1) Profit in 12 months
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Shares Performace
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Profitability
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Assets
1
R billion
CAGR 31.7
1 Data as of Dec/09
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Capital Structure
Basel
17.3
15.6
15.2
13.7
13.8
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Funding
498.4
500.5
R billion
362.0
260.6
208.1
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Credit Portfolio
305.6
300.8
R billion
224.8
160.7
133.2
(1) Portfolio Balance considering BV (2) Domestic
Credit Portfolio
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Consumer Finance
91.8
95.1
R billion
48.8
32.0
24.0
BV and BNC are included since 2009
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Credit to Businesses
125.3
128.1
R billion
97.2
65.5
51.9
BV and BNC are included since 2009
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Credit to Agribusiness
66.4
64.9
63.7
R billion
51.9
45.1
Businesses
Individuals
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Credit to Agribusiness
Crop Insurance Breakdown -
Working Capital (R billion)
59.6
72.5
71.9
39.1
Without insurance
With insurance
until March/2010
Reinsurance
75.6
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Credit Risk
(1) Average Loan Portfolio and 12 months
expenses (2) Without one-off items (3) Net of
credit recovery
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Net Interest Income
65.3
58.4
R billion
40.0
36.7
18.6
15.3
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NIM
NIM by Product
NIM vs. Selic
Global NIM¹/Cumulative Selic² -
Cumulative Selic² -
Global NIM¹ -
(1) Net Interest Income over Earning Assets
(3) Includes loan fees from Banco
Votorantim (2) Annualized
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Productivity
(1) Without one-off items
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Productivity

1. Without one-off items

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Credit and Debit Cards
86.4
82.1
78.1
78.2
68.5
55.8
(1) Dado Anualizado
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Structure
Employees - thousand
Points of Service - thousand
18.0
17.9
16.0
15.3
15.1
ATM - thousand
Transaction in Automated Channels -
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Structure
North Retail 249 Wholesale
2 Government 7 Private Banking 2
5.2
Northeast Retail 1.011 Wholesale
7 Government 9 Private Banking 11
20.9
Midwest Retail 403 Wholesale
5 Government 5 Private Banking 10
8.5
44.5
Southeast Retail 2.080 Wholesale
46 Government 6 Private
Banking 73
South Retail 998 Wholesale
23 Government 3 Private Banking 10
20.8
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Structure
Internet Banking million of customers
Transactions per Channels -
1Q09
1Q10
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Asset Management
Customer Profile
R billion
Investment Profile
CAGR 20.0
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Credit cards and insurance business boost
revenues.
Asset Management¹
Fee Income
Asset Management Fees R million
R billion
R billion
? 5.8
? 4.9
Resultado de Seguridade
Cards Revenues
Insurance Ratio² -
R billion
R million
? 8.4
? 7.3
(1) Includes BV
(2) Insurance Net Income / BBs Recurring Net
Income
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