BANCO DO BRASIL

2nd Quarter

2012

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.

(1) 12 months accumulated . Source: IBGE

Economic Environment

3

5.9

4.3

5.96.5

4.9

2008 2009 2010 2011 Jun/12

Price Index IPCA¹ - %

13.75

8.75

10.75 11.00

8.50

2008 2009 2010 2011 Jun/12

Interest Rate Selic² - %

1,452

995

2,524

1,5661,422

2008 2009 2010 2011 Mar/12

Formal Employment³ - thousand

7.9 8.1

6.76.0 5.8

2008 2009 2010 2011 Mar/12

Unemployment Index - %

(2) End of period. Source: Central Bank of Brazil

(3) Net jobs created in the last 12 months. Source: CAGED Source: IBGE

5.2

-0.3

7.5

2.7

1.9

2008 2009 2010 2011 Mar/12

GDP - % Change (12 months)

40.5

44.4 45.2

49.050.6

2008 2009 2010 2011 Jun/12

Loan / GDP - % (12 months)

4

Economic environment x Banking Industry

R$ billion

5 (1) Preliminary Data

782 827 992 1,146 1,190

445 588714

884 977

2008 2009 2010 2011¹ Jun/12¹

Loan Portfolio

Public Private

603 656799 888

426 474

1,2021,123

1,2141,312

632684

2008 2009 2010 2011¹ 1H11 1H12

Disbursement²

Individual Corporate

139.1 157.1 185.9 200.9 202.7

78.9107.9

138.2 158.9 175.263.3

91.9

138.8200.5

235.4

2008 2009 2010 2011¹ Jun/12

Individuals Loan Portfolio

Mortgage Payroll Vehicle

5.3

6.9

5.5 5.7 5.7

3.2

4.3

3.23.6 3.8

2008 2009 2010 2011¹ Jun/12

Credit Risk %

Allowance / Portfolio NPL + 90 days / Portfolio

Brazilian Banking Industry

(2) Loan as reference for interest rate

6

Internal Audit

Board of Auditors Audit Commitee

Board of Officers

International

Business and Affairs Distribution

Agribusiness Finance

Investor Relations

Controlling Credit

Risk Management

Accounting

Internal Controls

Legal

Marketing and

Communication

Business and

Operations Support

Individuals

Channel

Management

SMEs

Private Bank

Government

Affairs Commercial

Adm. and Financial Unit for Legal Procedures

Security

Management

Reestructuring of

Operational Assets

Strategy and

Organization

Executive

Secretary

President

Capital Markets and

Investments São Paulo

Distribution

Governance of

Related Companies

VIPIN

Wholesale,

International

Business and Private

Bank

VIVAR

Retail Service,

Distribution and

Operations

VIPAG

Agronegócios e Micro

e Pequenas

Empresas

VIFIN

Financial

Management and

Investor Relations

VICRI

Internal Controls and

Risk Management

VIGOV

Government

Acquisitions and

Strategic

Partnerships

Cards

Loans and

Financing

Pension

Management

Insurance, Pension

Plans and

Capitalization

VINEG

Retail Services

Structuring of

Solutions

Construction of

Solutions

Human Resources

Operation of

Solutions

Technology

Relations with

employees and

Sponsored Entities

VITEC

Technology

VIPES

Human Resources and

Sustainable

Development

Sustainable

Development

Mortgage

Compensation Commitee

Directorships Vice-Presidents President Autonomus Managing

Unit

Units 09 27 13 01 01 01 Internal Audit

General Shareholders Meeting

Organizational Chart

Board of Directors

UCP

59.1

10.4

17.5

12.9

National Treasury

Previ

Foreign Investors

Other

Free Float - % Free Float – 30.4%

7

11.3 11.8

17.515.5

17.5

10.2 10.0

12.914.9

12.921.5 21.8

30.4 30.4 30.4

2008 2009 2010 2011 Jun/12

Foreign Investors Other

Ownership Structure

Shareholding Breakdown

Leaderships¹

%

8

21.4

27.3

19.5

20.8

Asset Management²

Deposits

Loan Portfolio

Assets

(Market Share)

(1) Assets and Deposits: as of March/12;

Loan Portfolio in Brazil and Asset Management: as of June/12;

(2) Does not include Banco Votorantim

9

Distribution Network

Regional Market Share

29.9% 34.7%

28.3%

20.4%

25.4%

Total = 24.6%

Total Distribution Network

Branches 5,317

Other Service´s point1 28,020

Postal Bank² 6,191

Shared Network 25,238

Total 64,766

(1) Considering PAA, PAB, PAE, QSQ, PAP, SAA and banking correspondents

(2) Since Jan/12

Profitability

37.7

76.3

89.9

67.9

80.1

56.0

3.5 4.1 4.7 4.9

2.5 2.2

2008 2009 2010 2011 1H11 1H12

Market Capitalization - R$ billion

Dividends and Interest on Own Capital - R$ billion

8.8

10.1

11.7 12.1

6.35.5

6.7

8.5

10.711.8

6.2 5.7

32.5

30.727.0

22.425.4

19.3

24.7

25.8 24.621.7

24.9

19.9

2008 2009 2010 2011 1H11 1H12

Net Income - R$ Billion Adjusted Net Income - R$ Billion

ROE - % Adjusted ROE - %

10

Capital Structure

29.9

36.1

50.4

58.4

62.3

2008 2009 2010 2011 Jun/12

Shareholder´s Equity - R$ billion

10.9 10.6 11.0 10.5 10.6

4.33.2 3.1 3.5 4.0

15.2

13.8 14.1 14.014.6

2008 2009 2010 2011 Jun/12

Tier I Tier II

11

BIS Ratio - %

Pro forma¹

(1) The BIS Ratio disclosed in June/2012 Financial Statements is 14.22%. The pro forma ratio considers subordinated debt issued on 2Q12 eligible as Tier II capital. The Central Bank of

Brazil has already authorized the eligibility.

521.3

708.5

811.2

981.2

1,051.417.2

22.020.8 21.3 20.8

2008 2009 2010 2011 Jun/12

CAGR = 22.2%

Assets

12

Market Share (%)¹

²

(1) Source: Central Bank of Brazil.

(2) Market Share as of March/2012

149.6193.5 204.7

265.8 285.8

91.1

160.8 142.2

195.2194.5

55.0

75.7 89.3

100.1105.6

51.9

56.5 63.5

62.060.6

362.0

498.4519.0

637.6661.5

14.3

11.819.4

14.515.0

2008 2009 2010 2011 Jun/12

Time Deposits Money Market Borrowing Savings Demand Deposits Others

R$ billion

CAGR (%) = 18.8

1.4

4.5

20.5

24.2

20.3

Funding¹

13 (1) Includes BV and BNC since 2009

R$ billion

CAGR (%) = 26.2

31.3

12.3

34.9

28.5

Loan Portfolio¹

14

97.2144.0

176.4210.2 234.048.8

91.8

113.1

130.6139.3

63.7

67.1

75.7

89.4

95.7

15.1

18.4

23.0

35.0

39.2

224.8

321.4

388.2

465.1

508.217.1

20.1 19.8 19.2 19.5

2008 2009 2010 2011 Jun/12

Offshore

Agribusiness

Individuals

Corporates

(1) Includes BV, BNC, provided guarantees and private securities since 2009

(2) Domestic Loan Portfolio / BI Loan Portfolio

Market Share (%)²

R$ billion

CAGR (%) = 34.9

520.1

4.9

18.4

21.3

56.1

38.3

Loans to Individuals¹

15

17.6

36.545.0

51.2 54.96.7

20.7

27.4

31.331.8

14.4

21.2

23.3

26.228.2

7.6

9.4

11.9

13.213.7

2.5

2.4

2.6

2.62.9

0.1

1.5

3.0

6.0

7.7

48.8

91.8

113.1

130.6

139.3

2008 2009 2010 2011 Jun/12

Mortgage

Overdraft

Cards

Other

Vehicle Finance

Payroll

(1) Include BV, BNC, provided guarantees and private securities since 2009

US$ billion

CAGR (%) = 24.5

-6.2

12.5

2.2

73.3

36.3

(¹) Included Banco Patagonia and Eurobank since 2011

Foreign Borrowing¹

16

3.36.2

8.8 10.0 9.72.2

4.6

7.6

11.015.2

6.8

6.3

5.1

7.3

7.3

2.0

2.0

2.1

3.1

3.1

3.4

2.6

1.8

3.2

2.7

17.6

21.7

25.3

34.6

37.9

2008 2009 2010 2011 Jun/12

Interbanking Bond Issues Corporates Individuals Repo

R$ billion

CAGR (%) = 28.5

24.6

30.6

Loans to Companies¹

17

62.3

99.1

119.4

142.1158.634.9

44.9

57.0

68.1

75.4

234.0

97.2

144.0

176.4

210.2

2008 2009 2010 2011 Jun/12

SME

Medium and Large

Companies

(1) Include BV, BNC, provided guarantees and private securities since 2009

R$ billion

CAGR (%) = 12.3

16.3

10.6

Loans to Agribussiness¹

18

45.2 48.0 49.657.9

64.3

18.519.2

26.1

31.5

31.3

63.767.1

75.7

89.4

95.7

2008 2009 2010 2011 Jun/12

Individual Corporate

(1) Include BV, BNC, provided guarantees and private securities since 2009

Credit Risk

19

6.1 6.2

4.84.5 4.4

2.4

3.3

2.3

2.12.1

1.5

2.2

2.4

1.51.4

2008 2009 2010 2011 Jun/12*

Added Provision + Required / Portfolio - %

NPL + 90 days / Portfolio - %

Accumulated Loss³ in 12 Months / Portfolio - %

6,800

11,62910,675

11,82713,403

3.6

4.6

3.3 3.1 3.2

2008 2009 2010 2011 Jun/12*

Provision expenses¹ - R$ million

Provision expenses / Portfolio² - %

(1) Without one-off items

(2) 12 months average loan portfolio and expenses

(3) Net of credit recovery

(*) Accumulated Provisions in 12 Months

R$ billion

Net Interest Income

20

34.541.5

53.464.5

30.135.3

23.9

23.7

27.0

38.3

16.5

19.3

58.4

65.2

80.4

102.8

46.6

54.6

24.5

32.938.4 41.3

20.0 22.9

2008 2009 2010 2011 1H11 1H12

Loan Revenues Other Interest Revenues Net Interest Income

NIM

21

%

6.9 6.5 6.1 5.7 5.4

5.0 5.0 4.6 3.7 3.6

48.1

61.264.4 63.9

72.9

2008 2009 2010 2011 1H12

NIM (LHS)

Risk Adjusted NIM (LHS)

Funding Cost - deposits - % Selic (RHS)

9.39.8

9.08.5 9.0

21.0

18.7

15.8

14.4

15.6

6.77.2

6.0 5.8 6.1

5.1 5.3 5.6 5.3 5.6

2008 2009 2010 2011 1H12

Loan Operations Individuals

Corporates Agribusiness

892

1,574 1,667 1,604

773 845

9.611.7 12.7 13.7 12.6

14.8

2008 2009 2010 2011 1H11 1H12

Insurance Income - R$ million

Insurance Ratio² - %

1,979 2,024

2,6723,197

1,5241,781

246.3

316.2

372.3

430.9421.4

462.6

2008 2009 2010 2011 1H11 1H12

Income from Asset Management Fees - R$ million

Asset Management¹ - R$ billion

11.813.5

16.218.2

8.510.3

2008 2009 2010 2011 1H11 1H12

Fee Income - R$ billion

66.2

88.6

112.1

138.8

64.177.3

2008 2009 2010 2011 1H11 1H12

Revenue from Cards - R$ billion

CAGR (%)= 15.6

22

(1) Includes Banco Votorantim

Business diversification increases revenues

(2) Insurance Net Income / BB´s Recurring Net Income

CAGR (%)= 17.3

CAGR (%)= 28.0 CAGR (%)= 21.6

R$ billion

Cost to Income Ratio¹

23

16.119.7

23.625.6

11.914.4

35.2

45.4

55.5

60.8

29.632.6

45.643.4 42.6 42.1

40.344.3

2008 2009 2010 2011 1H11 1H12

Administrative Expenses

Operating Income

Cost to Income Ratio - %¹

(1) exempt from one-off items

Structure

24

89.0

104.0109.0

113.8 114.0

2008 2009 2010 2011 Jun/12

Employees - thousand

91.1 92.0 93.0 93.8 93.5

2008 2009 2010 2011 Jun/12

Transaction in Automated Channels - %

39.745.4 45.0 43.6 44.2

2008 2009 2010 2011 Jun/12

ATM² - thousand

4.34.9 5.1 5.3 5.3

2008 2009 2010 2011 Jun/12

Branches - thousand

(2) Does not include ATM from partnerships

Structure

25

8.69.3

11.0

12.5 12.9

2008 2009 2010 2011 Jun/12

Internet Banking - million of customers

31.9%

20.9%18.1%

6.6%

11.6%

10.9%

Jun/12

33.6%

19.6%

18.7%

6.2%

12.9%

9.0%

2011

ATM

Internet

IndividualsInternet

BusinessesCash

POS

Other

Investor Relations Unit

SBS - Quadra 1 - Bloco C - Ed. Sede III - 7° floor

70073-901 - Brasília (DF)

Phone: +55 61 3102 1124

Fax: +55 61 3102 1435

bb.com.br

ri@bb.com.br