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Banco do Brasil 4Q09
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Disclaimer
This presentation may include 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, they also involve
imprecision and high difficult risks to be
foreseen, consequently, they may conduct to a
different result than the one anticipated here.
These expectations are highly dependent on market
conditions, on Brazils economic and banking
system performances, as well as on international
market one. Banco do Brasil is not responsible
for bringing up to date any estimate in this
presentation. Banco do Brasil informs that it
has initiated studies to realize an eventual
public offering. Before investing in stocks of
Banco do Brasil, read carefully the Offering
Memorandum, specially the Risk Factors session.
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Ownership Structure
Price Index IPCA¹ -
Interest Rate Selic² -
(1) 12 months Source IBGE
(2) End of Period Source Brazilian Central Bank
Total Payroll Index³
Unemployment Index4 -
(3) Base 100 May/2002 Source IBGE
(4) 12 months average Source IBGE
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Banking Industry
Banking Industry Loan Portfolio - R trillion
Banking Industry Loan Operations¹ - R trillion
Public
Private
Individuals
Businesses
Loan/GDP -
Credit Risk
Consumer Loans² - R billion
Allowance / Loan Portfolio -
Mortgage
Payroll
Vehicles
Past Due Loan 90 days / 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 Dec.31, 2010
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(No Transcript)
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Ownership Structure
Participation¹
Free Float -
21.8
Free float 21.8
21.7
21.5
14.8
10.0
10.2
11.7
7.6

6.9
11.8
11.3
3.4
10.0
7.2
3.5
2005
2006
2007
2008
2009
¹ There is 0.1 left in reference to BNCs
acquisition shares.
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Shares Performance
Dividends and Interest on Own Capital / Share
R
Price / Book Value
Price / Earnings
Earnings / Share R
14.9
8.6
7,3
7.5
4.3
2005
2006
2007
2008
2009
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Shares Performance
242.6
174.2
166.7
161.8
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Profitability
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Assets
708.5
R billion
521.3
367.2
296.4
253.0
CAGR 44.0
2005
2006
2007
2008
2009
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Capital Structure
Basel
13
Funding
R billion
14
Loan Portfolio
R billion
() BV and BNC are included since 2009 (1)
Domestic Loan Portfolio
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Consumer Finance
R billion
2009
BV and BNC are included since 2009
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Credit to Businesses
R billion
BV and BNC are included since 2009
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Credit to Agribusiness
R billion
18
... BB extends the use of agricultural
insurance each crop.
Crop Insurance Breakdown-
Working Capital (R billion)
11.6
15.5
11.2
60.9
73.5
78.9
41.9
Without insurance
With insurance
until December/2009
Reinsurance
76.9
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Credit Risk
6.6
6.5
6.4
6.2
6.1
3.4
3.3
2.7
2.5

2.4
2.2
2.3
2,1
1.5
1.4
2005
2006
2007
2008
2009
(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
R billion
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Spread
NIM by Product
NIM vs. Selic
Global Spread¹ / Cumulative Selic² -
Individuals adjusted³ -
Cumulative Selic² -
Individuals -
Businesses -
Global¹ -
Agribusinesses -
(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 e Debit Cards
82.1
78.1
68.5
55.8
49.3
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Structure
Employees - thousand
Points of Service - thousand
ATM thousand
Transaction in Automated Channels -
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Structure 1
North Retail 247 Wholesale
2 Government 7 Private Banking 2
5.2
Northeast Retail 1,001 Wholesale
7 Government 9 Private Banking 10
20.7
Midwest Retail 395 Wholesale
5 Government 5 Private Banking 13
8.4
43.6
Southeast Retail 2,067 Wholesale
46 Government 5 Private Banking
42
22.1
South Retail 997 Wholesale
22 Government 3 Private Banking
12
(1) without BNC
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Structure
Internet Banking million of clients
9.3
2009
2008
8.6
8.5
2007
2006
8.2
7.9
2005
Transactions per Channels -
2008
2009
TAA
Internet PF
Internet PJ
Caixa
POS
Demais
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Asset Manegement
Cliente Profile
R billion
Investiment Profile
CAGR 23.9
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Credit Cards and insurance businesses boost
revenues.
Fee Income
Asset Management¹
Asset Management Fees - R million
R billion
R billion
14.4
1.5
Credit Card Total Revenues
Insurance Net Income
Insurance Ratio² -
R billion
R million
33.9
30.8
(1) BV are included since 3Q09
(2) Insurance Net Income / BBs Recurring Net
Income
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Investor Relations Unit SBS - Quadra 1 - Bloco C
- Ed. Sede III 5th floor 70073-901 - Brasília
(DF) Phone [phone] Fax [phone]
3735 bb.com.br ri_at_bb.com.br
For further information access bb.com.br/ir