IV MEETING WITH ANALYSTS AND INVESTORS

Transcription

1 IV MEETING WITH ANALYSTS AND INVESTORS 1

2 Public Offering Offering Size (R$ billion) Investors - Total (thousand) Individual Investors (thousand) Allotment 19.2% 29.9% 15.8% 40.7% Foreign Investors Retail Offering 50.9% 43.5% Others 2

3 Ownership Structure Post Offering and Warrants Free float: 21.7% 11.7% Free Float - % % 2.5% 10.5% 65.3% National Treasury PREVI BNDESPar Foreign Investors Others 3

4 The Best Investment Case CREDIT EXPERTISE LOW-COST FUNDING LARGEST DISTRIBUTION AND CUSTOMERS BASE PROFITABILITY AND GROWTH POTENCIAL SUSTAINABILITY AND CORPORATE GOVERNANCE Largest Bank in Latin America in terms of: Best Brazilian Proxy Assets Assets under management Deposits Number of customers Distribution network Presence in all sectors of the economy Largest national footprint Largest exposure to government institutions Largest customer base 4

5 Credit Expertise R$ billion CAGR (%): Market Share - % Individuals Businesses Agribusinesses Abroad 5

6 Credit to Businesses R$ billion CAGR (%): Middle and Corporate Enterprises Small and Micro Enterprises 6

7 Credit to Agribusinesses R$ billion CAGR (%): Others Farmers Mini-Sized Farmers Small-Sized Farmers Cooperative 7

8 Consumer Finance R$ billion CAGR (%): Payroll Loans Unsecured Consumer Finance Credit Card Overdraft Auto Loans 8

9 Credit and Debit Card CAGR (%): Revenue R$ billion Debit Cards Issued - million Credit Cards Issued - million 9

10 Credit Risk Provision Expenses/Loan Porfolio¹ - % Provision Expenses - R$ billion (1) Average Loan Portfolio 10

11 Credit Risk Provision/Loan Portfolio - % Average Risk - % Past Due Loans + 15 days/loan Portfolio - % Past Due Loans + 60 days/loan Portfolio - % 11

12 Leadership in Funding ¹ R$ billion CAGR (%): Market Share - % Time Deposits Open Market Demand Deposits Saving Deposits Others (1) As of September 12

13 Low-Cost Funding Funding Cost as % of Selic Savings Time Deposits Judicial Deposits Total Deposits Open Market Total Funding 13

14 Asset Management R$ billion Customer Profile Institutional Investors 44.4% Foreign Investors 4.1% Investment Profile Retail 27.9% Wholesale 8.8% Government 14.8% Others 11.4% CAGR: CAGR: 22.1% 22.1% 2003 Equities 21.4% Multi-strategy 15.7% Fixed Income 51.5% 14

15 Points of Service - thousand Largest Distribution Network Others Branches Transaction in Automated Channels - %

16 Customers - thousand Largest Customer Base CAGR (%): Pessoa Física Pessoa Jurídica Internet Banking million of customers

17 High and Recurring Profitability Recurring Recurring Net Net Income Income CAGR: CAGR: 21.7% 21.7% 2003 ROE - % Recurring ROE - % Net Income - R$ billion Recurring Net Income - R$ billion 17

18 Grown Margins R$ billion CAGR (%): Net Interest Income Loan Revenue Other Interest Revenues 18

19 Resilient NIM Average Selic - % NIM¹ - % 38.2 NIM by Loan Portfolio - % Individuals Businesses Agribusinesses (1) Net Interest Income over Earning Assets 19

20 Added Value - Insurance R$ million 1,123 1, CAGR: CAGR: 18.5% 18.5% 20

21 Productivity Increase R$ billion CAGR (%): Coverage Ratio - % Coverage Ratio without Retirement Plan and Cassi - % Personnel Expenses¹ Fee Income (1) without Retirement Plan and Cassi 21

22 Productivity Increase R$ billion CAGR (%): Efficiency Ratio - % Efficiency Ratio without Retirement Plan and Cassi - % Administrative Expenses¹ Operating Income (1) without Retirement Plan and Cassi 22

23 Leverage Capacity Loan / Total Deposits - % BIS Ratio - %

24 Corporate Governance Release of Banco do Brasil s Agenda 21. Approval of ADR level 1 program. Financial information in accordance with international standard. Adjustment of administrative and organizational structure. 24

25 Strategy of Sustainable Regional Development Focus on Sustainability Contracted Amount R$ million Benefited Families thousand Served Municipalities ,553 2, ,

26 Share Performance Earnings / Share R$ Dividends & Interest on Own Capital / Share R$ Dividends / Interest on Own Capital - R$ billion 2003 Market Capitalization - R$ billion 26

27 Share Performance Price / Book Value Price / Earnings

28 Share Performance 1,135.3% 713.1% 637.3% 526.5% 467.0% Dec/02 Dec/03 Dec/04 Dec/05 Dec/06 Dec/07 Banco do Brasil Bradesco Unibanco Itaú Ibovespa 28

29 Highlights R$ - million 2003 Net Income 2,381 3,024 4,154 6,044 5,058 Net Interest Income 15,327 15,464 16,734 18,107 20,810 Fee Income 5,491 6,607 7,648 8,888 9,902 Administrative Expenses 11,298 11,524 12,402 13,020 13,449 R$ - million 2003 Assets 230, , , , ,750 Loan Portfolio 77,636 88, , , ,739 Deposits 110, , , , ,282 Assets under Management 102, , , , ,136 Shareholders Equity 12,172 14,106 16,850 20,758 24,262 % 2003 ROE Efficiency Ratio¹ Coverage Ratio¹ BIS Ratio (1) without Retirement Plan and Cassi 29

30 And you, what do you expect for the next years? 30

31 Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 5 floor Brasília (DF) Phone: 55 (61) Fax: 55 (61) ri@bb.com.br Disclaimer - This presentation contains 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, 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. For further information access 31