BANCO DO BRASIL 4 th Quarter 2011

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1 BANCO DO BRASIL 4 th Quarter 2011

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.

3 Economic Environment (1) Accumulated 12 months. Source: IBGE (2) End of period. Source: Central Bank (3) 12 months. Source: CAGED (4) 12 months average. Source: IBGE 3

4 Economic environment x Banking Industry 4

5 Brazilian Banking Industry R$ billion (2) Loan as reference for interest rate (1) Preliminary data 5

6 Organizational Chart Audit Commitee General Shareholders Meeting Board of Directors Board of Auditors Internal Audit Board of Officers CEO/President VIPIN Wholesale, International Business and Private Bank VIVAR Retail Service, Distribution and Operations VINEG Retail Services VIPAG Agribusiness and Small Ventures VIGOV Government VIFIN Financial Mngt., and Investor Relations VITEC Technology VIPES Human Resources and Sustainable Development VICRI Internal Controls and Risk Management Commercial Individuals Cards Agribusiness Government Affairs Finance Tecnologia Human Resources Risk Management Strategy and Organization International Business and Affairs Distribution Loans and Financing Micro and Small Ventures Controlling Structuring of Solutions Relations with Employees and Sponsored Entities Credit Marketing and Comunication Capital Markets and Investments São Paulo Distribution Insurance, Pension Plans and Capitalization Accounting Construction of Solutions Sustainable Development Reestructuring Of Operational Assets Executive Secretary Private Bank Business and Operations Support Pension Management Investor Relations Operation of Solutions Internal Controls Channel Management Governance of Related Companies Security Management CEO/President Vice-Presidents Divisions Units Autonomus Managing Unit Acquisitions and Strategic Partnerships Legal Adm. and Financial Unit for Legal Procedures 6

7 Ownership Structure Shareholding Breakdown Free Float - % Free Float* 30.4% (*) Considering Bonus C subscription 7

8 Timeline May-11 Apr-11 Apr-11 Mar-11 Jun-10 Apr-10 Nov-09 Nov-09 Oct-09 Sep -09 Oct-09 Oct-08 Mar-08 Post Office Bid Banco Postal Acquisition of EuroBank - EUA Banco Patagonia taking over Launching of ELO Shares Public Offering Financial Holding Company status Retail Transformation Program BB 2.0 Level I ADR Program Insurance restructuring Banco Votorantim partnership Nossa Caixa taking over Acquisition of BESC Mortgage lending 8

9 Leaderships¹ % (Market Share) (1) Assets and Deposits: as of September/11; Loan Portfolio in Brazil and Asset Management: as of December/11; (2) Does not include Banco Votorantim 9

10 Regional Market Share Distribution Network Total = 25.1% 33.3% 35.2% 30.0% 20.7% 26.0% Total Distribution Network Branchs 5,263 Other Service s point 1 27,235 Postal Bank² 6,337 Shared Network 24,534 Total 63,369 (1) Included PAA, PAB, PAE, QSQ, PAP, SAA and banking correspondent (2) Since Jan/12 10

11 Profitability 11

12 Capital Structure BIS Ratio - % 12

13 Assets R$ billion ² Market Share(%)¹ CAGR = 27.9% (1) Source: Central Bank. (2) Market Share as of September/

14 Funding¹ R$ billion CAGR (%) = (1) Includes BV and BNC since

15 Loan Portfolio¹ R$ billion Market Share(%)² CAGR (%) = (1) Included BV, BNC, provided guarantees and private securities since 2009 (2) Domestic Loan Portfolio / BI Loan Portfolio 15

16 Loans to Individuals¹ R$ billion CAGR (%) = * (1) Included BV, BNC, provided guarantees and private securities since 2009 (*) Since

17 Loans to Companies¹ R$ billion CAGR (%) = (1) Included BV, BNC, provided guarantees and private securities since

18 Loans to Agribusiness¹ R$ billion CAGR (%) = (1) Included BV, BNC, provided guarantees and private securities since

19 Credit Risk (1) Without one-off items (2) Average loan portfolio and 12 months expenses (3) Net of credit recovery 19

20 Net Interest Income R$ billion 20

21 NIM % 21

22 Business diversification increases revenues = 16.7% = 20.7% (1) Includes Banco Votorantim = 15.6% = 5.0% (2) Insurance Net Income / BB s Recurring Net Income 22

23 Cost to Income Ratio¹ R$ billion (1) Administrative Expenses / Operational Revenues, excempt from one-off items; accumulated 12 months 23

24 Structure (1) Includes Banking Correspondents (2) Including ATM from partnerships 24

25 Structure 25

26 Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 7 floor Brasília (DF) Phone: Fax: bb.com.br ri@bb.com.br