Adjusted Net Income. R$ million ,029 7,472 5,690 5,510 5,319

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1 APIMEC Meetings

2 Disclaimer This presentation may include references and statements, planned synergies, 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 management s belief, they also involve imprecision and highly difficult risks to be foreseen. Consequently, they may conduct to a different result than those anticipated and discussed here. These expectations are highly dependent on market conditions, on Brazil s economic and banking system performances, as well as on international market conditions. Banco do Brasil is not responsible for bringing up to date any estimate in this presentation. 2

3 Adjusted Net Income R$ million ,029 7,472 5,690 5,510 5,319 3,967 3,008 2,728 3,180 2,986 2,685 2,657 2,557 2,634 2Q12 3Q12 4Q12 1Q13 2Q13 1H12 1H13 Net Income Adjusted Net Income ROE - % Adjusted ROE - % 3

4 Value Creation Amount Distributed (Dividends and Interest on Own Capital) R$ billion Acquisition: BNC, BEP, BESC and BV Partnership H12 1H13 Stock Trading Behavior (BBAS3 ) ADR 1 Launching BB Follow - on Acquisitions: Banco Patagonia, BB Americas and Banco Postal Partnership Shares repurchase program IPO BB Seguridade BB is listed on DJSI jan-09 jul-09 jan-10 jul-10 jan-11 jul-11 jan-12 jul-12 jan-13 jul-13 4

5 Leaderships Assets (R$ billion) Loan Portfolio¹ (R$ billion) 21.0% Market Share¹ 1 1, % Market Share² st 1st 1, BB Deposits (R$ billion) Peer A Peer B (1) Source: Central Bank of Brazil Market Share of March/2013. BB Peer A Assets Under Management¹ (R$ billion) Peer B (1) It includes Private Securities and guarantees provided. (2) Source: Central Bank of Brazil Domestic Portfolio Market Share. 27.9% Market Share¹ 1 st 20.8% 1 st Market Share² BB Peer A Peer B BB Peer A Peer B (1) Source: Central Bank of Brazil Market Share of March/2013. (1) It does not include Banco Votorantim s figures. (2) Source: Anbima Market Share Jun/13. 5

6 Agenda - Funding - Loan Portfolio - Asset Quality - Other businesses - Indicators - Sustainability 6

7 Commercial Funding R$ billion Dec/09 Dec/10 Dec/11 Dec/12 Jun/13 Time Deposits Savings Deposits Demand Deposits LCA + LCI¹ Interbank Deposits Repo (1) LCA - Agribusiness Letter of Credit; LCI - Real State Letter of Credit. 7

8 Financial Letters, LCA e LCI¹ R$ billion % in 12 months % % % Jun/12 Mar/13 Jun/13 Letters of Credit - LF¹ Agribusiness Letters of Credit - LCA Real State Letters of Credit - LCI (1) LCA Agribusiness Letter of Credit; LCI Real State Letter of Credit (2) It includes Subordinated Financial Letters. 8

9 Foreing Borrowings US$ billion Dec/09 Dec/10 Dec/11 Dec/12 Jun/13 Bond Issues Interbanking Companies Individuals Repo + Special 9

10 Asset Management¹ 1º 20.8 % Market Share² R$ billion 8.0 % in 12 months Jun/12 Mar/13 Jun/13 (1) Funds and portfolios managed. (2) It does not include Banco Votorantim. 10

11 Loan Portfolio - Growth and Leaderships 11

12 Loan Portfolio Broad Concept¹ 1º R$ billion 25.7% in 12 months Dec/09 Dec/10 Dec/11 Dec/12 Jun/13 Corporates Individuals Agribusiness Offshore Market Share(%)² (1) It includes private securities and guarantees provided. (2) Domestic Loan Portfolio / Brazilian Banking Industry. Source: Central Bank of Brazil. 12

13 Organic Individuals Loan Portfolio¹ R$ billion Jun/12 Share % Mar/13 Share % Jun/13 Share % Payroll R$ 23.6 billion 23.1% in 12 months Salary Loans 72.9% Auto Loans % Mortgage Credit Cards Consumer Finance Overdraft Microcredit Other Indivuals Loan Portfolio (1) It does not include BV and acquired portfolios. 13

14 Individuals Loan Portfolio Organic Growth R$ billion R$ 23.6 bi 23.1% Jun/12 Payroll Mortgage Auto Loans Salary Loans Other Jun/13 14

15 Mortgage Loans Loans to Individuals BB Banking Industry Average Ticket (R$ thousand) Average financed (%) R$ billion 76.3% in 12 months Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 Individuals mortgage Companies mortgage 15

16 Auto Loans - Organic¹ R$ billion Checking Account Holders: Over 10 years Between 5 and 10 years Less than 5 years % in 12 months 61.2% % 19.4% 20.9% 22.3% 19.4% Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 (1) It does not include BV and acquired portfolios. 16

17 Loan to Companies Broad Concept¹ R$ billion Jun/12 Share % Mar/13 Share % Jun/13 Share % 28.8% in 12 months Working Capital Investment Trade Finance Corp. Bonds & Notes Guarantees Other Corporate Loan Portfolio (1) It includes Private Securities and Guarantees provided. 17

18 Loans to Companies R$ billion Companies Loan Portfolio by size SME Loan Portfolio Operations Guarantee Fund (FGO) % in 12 months 202.1% 24.8% % in 12 months % Jun/12 Mar/13 Jun/13 Medium and Large Companies SME Government Jun/12 Mar/13 Jun/13 Number of Operations (thousand) 18

19 Investments Disbursement R$ billion % in 12 months 1H H13 19

20 Infrastructure Projetcs 1H13 Transactions R$ billion 36.3 Expectative¹ of disbursement between Aug-Dec/13: R$ 22.5 billion Viracopos Airport / Campinas (SP) Inauguration of the 1st expansion phase. May/ Total More than one sector Energy Marine Sector and Oil Transport Telecom Other (1) Position: Aug.05, 2013 Amounted Contracted Disbursed 20

21 Agribusiness Loan Portfolio 1 st 66.1% Market Share R$ billion Anticipated acquisition of inputs (Work Capital for Input purchase) US$ Jun/13 = 4.0% High Demand for Investments (more atractive interest rates) Transactions with large companies 15.0% in 2Q % in 12 months Dec/09 Dec/10 Dec/11 Dec/12 Jun/13 21

22 Agribusiness Crops 2012/2013 Crop Plan¹ Disbursement Objective: R$ 55.0 billion Reached Disbursement: R$ 61.6 billion 2013/2014 Crop Plan¹ Disbursement Objective: R$ 70.0 billion 27% increase over 2012/2013 Crop Plan (1) Amounts relating to rural credit. 22

23 Asset Quality - Delinquency below the Brazilian Banking Industry - Concentration of loans at AA-C risks - BV Asset Quality Improvement 23

24 Asset Quality NPL +90 days (%) BI¹ BB consolidated BB ex. Banco Votorantim Risk Level Jun/13 (%) Coverage Ratio + 90 days (%) BB 5.4 BI¹ Risk AA-C 94.6 Risk D-H 92.8 Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 Jun/13 BI BB (1) Banking Industry 24

25 Asset Quality Average Risk (%) Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 BB Banking Industry Write-off Ratio¹ (%) Recovery Ratio² (%) Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 BB Peers Average Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 Peers Average BB (1) Write-off ratio = write off / loan portfolio (2) Recovery ratio = recovery / write-off Peers average considers the balance reported by the three largest brazilian private banks. 25

26 Agribusiness Companies Individuals Delinquency per Segment¹ % Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 (1) It does not include BV and acquired portfolios. NPL 15 NPL 90 Risk AA-C 26

27 Banco Votorantim Asset Quality Allowance for Loan Losses Classified Concept R$ million ,197 1, Q12 3Q12 4Q12 1Q13 2T13 Classified Retail Auto Vintage of the Managerial Auto Loan Portfolio (%) Coverage x Delinquency (classified Concept) - % Estimated Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 Dec/13 Until Jun/10 Jul/10 to Sep/11 After Sep/ Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 Coverage + 90 days NPL + 90 days 27

28 Other Businesses - Insurance, Pension Plans and Premium Bonds - Capital Market - Cards 28

29 BB Seguridade Insurance, Pension Plans and Premium Bonds Distribution Holding Businesses SH1 Life 1 SH2 P&C 2 Pension Plans Premium Bonds Broker Market Position 3 1 st st 6 1 st 1 st 1 st Adjusted Net Income (2Q13) 7 (R$ million) Adjusted ROAE (2Q13) 27.7% 13.2% 59.0% 63.9% 39.1% Source: BB Seguridade (IFRS) and Susep 1. SH1 includes Life, Credit, Housing and Rural Insurance/ 2. SH2 includes Auto, Damages and Others (except for Housing and Rural Insurance) / 3. 1H13 Position / 4. 1st position: represents Life Insurance of BB Seguridade / 5. 2nd position: represents the P&C products of BB Seguridade / 6. Considers Susep ranking about collection produtcs as of Jun/2013 / 7. Considers net income of BB Seguridade / 8. The BB Seguridades s net income includes R$ 3.7 mi related to holding taxes and revenues/expenses, which are not presented above. 29

30 Capital Market Revenues R$ million % in 12 months 61.7% in 12 months Q12 Equity Fixed Income 2Q13 30

31 Cards Fee Income (R$ billion) Revenues (R$ billion) 23.6% Market Share¹ % % H12 1H13 1H12 1H13 Cards Other Debit Card Credit Card (1) Position: Mar/13. 31

32 Indicators - Cost to Income Ratio - BIS Ratio 32

33 Cost to Income Ratio R$ billion H12 1H13 Administrative Expenses Cost to Income Ratio (%)¹ (1) Administrative Expenses / Operational Revenues. Data reffers to Income Statement with realocations. 12 months accumulated ratio. 33

34 BIS Ratio % Jun/12 Sep/12 Dec/12 Mar/13 Jun/13 Tier I Tier II 34

35 Guidance % Adjusted Return on Equity¹ Unchanged Net Interest Income Commercial Funding² Unchanged Domestic Loan Portfolio³ - Broad Concept Individuals Companies Agribusiness ⁴ Allowance for Loan Losses 2013 Performance 2013 Guidance 2013 Guidance Revised 2.9 3,0-3,4 2,7-3,1 Fee Income Unchanged Administrative Expenses (1) Adjusted ROAE estimated for 2013 uses estimated shareholders equity, according to current legislation on December 31, (2) Includes total deposits, Agribusiness Letters of Credit LCA, Mortgage Bonds - LCI and Repurchase Agreements Operations with Private Securities. (3) Domestic Loan Portfolio,in Broad Concept, includes private securities and guarantees. (4) Expenses with allowance for loan losses of the last twelve months/average classified loan portfolio for the same period. 35

36 Sustainability -Sustainability Plan BB s Agenda 21 -Sustainable Regional Development -BB Volunteer Program 36

37 Topics Sustainability Plan - Agenda 21 BB 120 executives 29 strategic areas + Banco do Brasil Foundation and Related Companies 92 macro actions: 77 actions with deadline between 2013 and continuous actions 17 finished actions in 1H13 Social Businesses/ Financial Inclusion/ Businesses Opportunities Private Social Investment Strategy / Corporative Governance Trademark Management/ Customers Relationship Management Culture of Social and Environmental Responsability Ethics and Code of Conduct / Compliance / Corruption / Labor Practices Indicators Environmental Risk Environmental Management System / Ecoefficiency / Supply Chain Management 37

38 Sustainable Regional Development (DRS) Business Strategy to support urban and rural productive activities Beneficiaries Productive Loan Portfolio (R$ billion) 1,167,997 1,502, , Jun/ Jun/13 DRS Action Businesses Plans 149 supported activities 66% Rural Activities 34% Urban Activities 38

39 BB Volunteer Program Number of Volunteers Regional Distribution 10,903 5% 8,399 17% 40% 4,911 18% 1,449 1,712 1,918 2,118 2,475 19% Aug/13 Southeast South Northeast Midwest North BB Volunteers Project: FBB¹ e FIA² Resources (R$ mil) (1) Banco do Brasil Foundation. (2) Fund for Children and Adolescents. (3) Support for projects with waives tax resources (FIA) will occur in the second half of FBB FIA 3 39

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