Banco do Brasil 2010
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1 Banco do Brasil 2010
2 Disclaimer This presentation may include references and statements, planned synergies, increasing estimates, projections of results and future strategy for Banco do Brasil, it s Associated and Affiliated Companies and Subsidiaries. Although these references and statements reflect the management s belief, they also involve imprecision and high 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 one. Banco do Brasil is not responsible for bringing up to date any estimate in this presentation. 2
3 BB maintains leadership in key segments Assets 19.8 Loan Portfolio Deposits 25.7 Asset Management BI* - % BB - % *Banking Industry 3
4 ...presenting record results. Net Income and ROE Net Income R$ billion ROE -% RecurringROE-% Recurring Net Income %
5 Loan Operations boosts Financial Income. Loan Income Other Interest Income R$ billion %
6 Lower spreads offset by a better risk profile. NIM by Product Loan Operations Individuals Businesses Agribusiness 4Q09 3Q10 4Q NIM Cumulative Selic NIM Risk adjusted NIM 4Q09 3Q10 4Q
7 BB presents a solid deposits base... R$ billion Other Demand Deposits Savings Time Deposits LTM 17.9% Dec/09 Sep/10 Dec/10 7
8 ... with a steady growth of foreign borrowings... US$ billion Repos Individuals Corporates Bond Issues LTM 65.2% Interbanking Dec/09 Sep/10 Dec/10 Interbank funding lenders: #78 (2009) and #91 (2010). 8
9 ... maintaining its leadership in Asset Management. Market Share¹ -% R$ billion Dec/09 Sep/10 Dec/10 (1) Including 50% of assets managed by Banco Votorantim. 9
10 BB keeps credit market leadership in a fiercer environment... Loan Portfolio Market Share -% R$ billion Offshore Agribusiness - Corporates Agribusiness - Producers Individuals Corporates % % 40.7% % Dec/07 Dec/08 Dec/09 Dec/10 10
11 ... focusing in lower risk portfolios. Loan Portfolio - Individuals Overdraft Account Other Credit Cards Mortgage Consumer Finance Backed by Direct Deposits % % % R$ billion Vehicle Finance Payroll Loan Dec/09 Sep/10 Dec/10 11
12 Mortgage loans show strong performance. 1, ,113 1,057 1,000 1, Jan/10 Feb/10 Mar/10 Apr/10 May/10 Jun/10 Jul/10 Aug/10 Sep/10 Oct/10 Nov/10 Dec/10 Disbursements- R$ million Contracts 12
13 BB expands corporate financing leadership. Loan Portfolio Market Share - % R$ billion Small and Micro Companies Medium and Large Companies % LTM 13.3% 23.0% Dec/09 Sep/10 Dec/10 13
14 FGO represents 14% of SMEs loan portfolio. Loan Portfolio Thousand Operations Dec/09 Mar/10 Jun/10 Sep/10 Dec/10 FGO Operations Balance - R$ billions 14
15 BB focus on investment operations supporting economic growth. Corporate Loan Portfolio R$ billion Other % % 31.3% Foreign Trade Investment Working Capital Dec/09 Sep/10 Dec/10 15
16 BB disburses R$23.4 billion for investment operations in YTD Disbursement¹ R$ billion Monthly Average R$ 1.9 billion Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 (1) Including BNDES Exim 16
17 ...highlighting BNDES... YTD Disbursement R$ billion Disbursement market leader with 19.4%. Monthly Average R$ 1.5 billion Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 17
18 ...especially in credit card operations. YTD Disbursement R$ billion Market leader in disbursement, number of operations and issued cards. Monthly average R$ 250 million Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 18
19 FCO records a historical performance. YTD Disbursement R$ billion The largest contracted amount in a year ever. Monthly Average R$ 269 million Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10 19
20 Agribussines financing reaches R$ 75 billion. CRÉDITO R$ billion Market Share -% % LTM Agribusiness - Corporate Agribusiness - Producers Dec/09 Sep/10 Dec/ % 3.5% 20
21 2010/11 Crop: BB finances 17% of the most important grains production. Agribusiness Corn Beans Rice Soybean Wheat 21
22 Credit risk level improves AA C - % D H - % 22
23 ... delinquency ratios drop steadily... NPL + 90 days Total Loan Portfolio - % Dec/09 Mar/10 Jun/10 Sep/10 Dec/10 BB Banking Industry 23
24 ... in both segments. NPL + 90 days Individuals - % Corporates - % Dec/09 Mar/10 Jun/10 Sep/10 Dec/ BB Banking Industry 24
25 Provision levels reflects prudence. Credit Risk Coverage Ratio¹ - % BB Banking Industry Dec/09 Sep/10 Dec/10 (1) Required allowance for loan losses / NPL+ 90 days 25
26 BB expands market share in cards segment, with revenues growth. Cards Turnover R$ billion Market Share - % %
27 Capital markets revenues increase 33.1%. Capital Markets Revenues 98 R$ million Number of Deals %
28 Consistent operational performance provides evolution in cost to income ratio. Cost to Income Ratio - % Q09 3Q10 4Q
29 BIS Ratio allows business expansion. BIS Ratio - % CAPITALIZAÇÃO Tier II Tier I Dec/09 Sep/10 Dec/10 R$ billion credit leverage potential 29
30 After public offering BBAS3 outperformed the market twice as much. BBAS3 Performance 30.8% - BBAS3 30.7% - BBDC4 26.6% - SAMB % - ITUB4 13.7% - IBOV 10/06/30 10/12/30 Banco do Brasil Itaú Ibovespa Bradesco Santander 30
31 2010 performance in line with estimates. Guidance 2010 Items Recurring ROE Net Interest Margin Total Deposits Domestic Loan Portfolio Individuals Corporates Agribusiness Estimate - % Performance - % Allowance for loan losses Fee Income Administrative Expenses Tax Rate
32 Management and operational efficiency drivers in 2011: 1 Banking service modernization 2 Investment loans prioritization 3 Cards segment growth 4 Insurance business segment expansion 5 Internationalization 32
33 More convenience and modern branches. Leblon - RJ João Naves - MG Gramado - RS Augusta - SP Parque dos Poderes - MS 33
34 New business platform allows service agility. 34
35 Full time with you, effectively. MELHORIA NO ATENDIMENTO E EFICIÊNCIA OPERACIONAL 35
36 BB confirms its commitment to the Brazilian economy development... Itapoá Port - SC Bons Ventos Power Plant - CE NORBE VI Oil Platform Soybean harvest - MT Subway - SP 36
37 ... and expands its bancarization strategy. 37
38 JVs boost Insurance segment. Life Aliança do Brasil Market Share 3rd 5th 1st 19.3% P&C Aliança do Brasil 7th 2nd 2nd 12.5% Vehicles BrasilVeículos 6th 5th 2nd 15.6% Annuity Plans BrasilCap 1st 7th 1st 30.0% Pension Plans BrasilPrev 2nd 2nd 2nd 19.9% Source: Susep Nov/
39 BB expands its borders to serve companies... 39
40 ... and Brazilian citizens. BB Nova Iorque Branch 40
41 BB is committed to maintain historical levels of profitability. Guidance 2011 Items Recurring ROE Net Interest Income¹ Total Deposits Domestic Loan Portfolio Individuals Corporates Agribusiness Estimate - % Allowance for Loan Losses Fee Income Administrative Expenses Tax Rate (1) Net Interest Margin ratio was replaced by Net Interest Income. 41
42 Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III 5th floor Brasília (DF) Phone: (61) Fax: (61) bb.com.br ri@bb.com.br
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