26
1 Investor Relations Investor Relations Banco do Brasil
1Investor RelationsInvestor Relations
Banco do BrasilBanco do Brasil
3Investor Relations
Board of Officers
Units
Directorships
Autonomous Departments
Ag
rib
usi
nes
s
Co
mm
erci
al
Co
ntr
oll
ing
Inve
sto
r R
elat
ion
s
Mar
keti
ng
an
dC
om
mu
nic
atio
n
Leg
al
Dis
trib
uti
on
an
d R
etai
l C
han
nel
s
Fin
ance
Exe
cuti
veS
ecre
tari
at
VP of Retail Service and Distribution
VP of Rural Businesses
and Government
Affairs
VP ofTechnology and Logistic
VP of Credit, Controlling
and Risk Management
VP of Finance, Capital Marketand Investor
Relations
Board of Directors
General Shareholders Meeting
CEO
Board of Auditors
Audit Committee
Info
rmat
ion
Tec
hn
olo
gy
Mic
ro a
nd
Sm
all
Bu
sin
esse
s
Em
plo
yee
Rel
atio
nA
nd
So
cial
-En
v.R
esp
on
sib
ilit
y
VP of HumanResources and Social-Enviro-
nmentalResponsibility
Go
vern
men
t A
ffai
rs
Ret
ail
Ser
vice
s
Cap
ital
Mar
kets
an
d I
nve
stm
ents
Tec
hn
olo
gy
Hu
man
Res
ou
rces
Cre
dit
Inte
rnal
Co
ntr
ols
Fo
reig
n T
rad
e
Inte
rnat
ion
al
So
ftw
are
Dev
elo
pm
ent
Sec
uri
ty
Man
agem
ent
Str
ateg
y an
d
Org
aniz
atio
n
Ris
k M
anag
emen
t
Hig
h I
nco
me
Lo
gis
tic
Reg
ion
alS
ust
ain
able
Dev
elo
pm
ent
VP of International Business and
Wholesale
Acc
ou
nti
ng
Res
tru
ctu
rin
g o
fO
per
atio
nal
Ass
ets
StructureStructureStructureStructure
Internal Audit
4Investor Relations
Multiple Bank
COBRABB – 99.36% ON
BB LeasingBB – 100% ON
BB Previdência
BB Corretora de SegurosBB – 100% ON
BB VienaBB – 100% ON
BB DTVMBB – 100% ON
Banco Popular do Brasil
BB – 100% ON
BB Leasing CompanyBB – 100% ON
BB CartõesBB – 100% ON
BB ConsórciosBB – 100% ON
BAMBBB – 100% ON
BB Securities LLC
BB – 100% ON
Ativos S.A.BB BI – 49% ON BAMB – 51% ON
BB SecuritiesBAMB – 100% ON
BB TurismoBAMB – 99.996% ON
BB BIBB – 100% ON
Group StructureGroup StructureGroup StructureGroup Structure
BrasilprevBB BI – 49.99% ON
Aliança do Brasil
BB BI – 40% ON
Visa ValeBB BI – 35% ON
BrasilsegBB BI – 40% ON
BrasilsaúdeBB BI – 49.92% ON
BrasilveículosBrasilseg 100%ON
CibrasecBB BI - 10% ON
VisanetBB BI Classe A 35%
Classe B 28.76%Total 31.99%
SBCEBB BI – 12.088% ON
BrasilcapBB BI – 49.99% ON
5Investor Relations
Shareholder BaseShareholder BaseShareholder BaseShareholder Base
Shareholding Breakdown before and after the Public Offering and Subscription Warrants
Shareholders Quantity of Shares % Quantity of Shares %
National Treasury 584,778,036 72.1 584,778,036 70.9
PREVI 112,415,335 13.9 94,415,335 11.4
BNDESPar 46,604,052 5.7 23,604,052 2.9
Treasury Stocks 11,257,677 1.4 - 0.0
Foreign Capital 26,682,549 3.3 55,011,343 6.7
Others 28,879,766 3.6 67,507,657 8.2
Total 810,617,415 100.0 825,316,423 100.0
Free Float 55,562,315 6.9 122,519,000 14.8
Before After
6Investor Relations
HighlightsHighlightsHighlightsHighlights
Assets - R$ billion
Credit Operations¹ - R$ billion
(1) Deducted by Provisions
82.6
108.9
129.6
126.5
138.4
165.1
204.6
230.1
239.0
253.0
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
25.7
26.1
28.5
29.0
36.0
40.2
51.4
65.6
74.8
86.0
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
281.63Q06
99.52Q06
BB – 13.4%Industry – 10.8%
CAGR
15.0%Market Share
BB – 14.9%Industry – 10.6%
CAGR
16.6%Market Share
7Investor Relations
Deposits - R$ billion
Asset Management - R$ billion
18.9
23.0
38.0
35.2
48.0
61.4
66.2
102.7
124.0
153.5
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
180.63Q06
HighlightsHighlightsHighlightsHighlights
BB - 26.0%Industry - 24.5%
CAGR
BB – 12.7%Industry – 12.1%
CAGR
19.7%Market Share
19.8%Market Share
45.2
55.3
61.0
72.2
65.7
73.4
97.3
110.0
115.5
137.7
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
144.93Q06
8Investor Relations
Points of Service - thousand
ATM Network - thousand
Branches Others
4.4
4.4
5.5
7.2
7.5
11.0
12.3
13.2
14.4
14.8
4.1
6.9
12.5
24.5
30.1
32.3
33.6
37.0
39.0
40.2
1996
1997
1998
1999
2000
2001
2002
2003
2004
20051.5
1.6
2.7
4.3
4.6
8.0
9.2
10.0
10.7
10.9
2.9
2.8
2.8
2.9
2.9
3.0
3.2
3.2
3.7
3.9
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
42.63Q06
15.011.04.03Q06
HighlightsHighlightsHighlightsHighlights
9Investor Relations
Account Holders - million
Employees - thousand
85.31996
76.41997
72.41998
69.41999
78.22000
78.12001
78.62002
80.62003
82.72004
83.82005
82.63Q06
HighlightsHighlightsHighlightsHighlights
0.7
0.8
0.8
0.6 6.2
7.9
10.1
10.9
12.7
13.8
15.4
18.8
21.1
22.9
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
24.13Q06
0.9
0.9
1.0
1.2
1.4
1.4
1.5
5.6
7.1
9.4
10.1
11.8
12.9
14.4
17.5
19.7
21.5
22.6
Businesses Individuals
10Investor Relations
PerformancePerformancePerformancePerformance
Coverage Ratio¹ - %
Cost Income Ratio² - %
(1) Service Revenues / Personnel Expenses(2) Administrative Expenses / Operating Income
55.71999
55.92000
67.42001
80.32002
80.62003
93.12004
103.92005
92.21999
80.92000
71.82001
57.92002
55.82003
54.22004
48.12005
113.49M06
46.59M06
11Investor Relations
Net Income - R$ million
ROE - %
(7,526)
574
870
843
974
1,082
2,028
2,381
3,024
4,154
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
(134.6)
9.6
13.1
11.6
12.8
12.9
22.6
22.3
23.0
26.8
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
35.99M06
4,7969M06
PerformancePerformancePerformancePerformance
12Investor Relations
Market Capitalization - R$ million
Dividends - R$ million
-
164
243
236
258
265
579
745
954
1,498
1996
1997
1998
1999
2000
2001
2002
2003
2004
20056,607
5,455
5,328
6,747
4,641
8,103
7,174
17,568
25,979
34,110
1996
1997
1998
1999
2000
2001
2002
2003
2004
2005
39,2039M06
1H06 1,555
PerformancePerformancePerformancePerformance
13Investor Relations
Dec/96 Dec/97 Dec/98 Dec/99 Dec/00 Dec/01 Dec/02 Dec/03 Dec/04 Dec/05 Sep/06
BBAS3 IBOV
706.4%
417.7%
PerformancePerformancePerformancePerformance
14Investor Relations
Retail Portfolio – R$ billion
Commercial Portfolio – R$ billion
11.3 12.6
21.6
27.531.0
37.5
2001 2002 2003 2004 2005 Sep/06
11.6
14.0
10.412.2
13.9
16.6
2001 2002 2003 2004 2005 Sep/06
CreditCreditCreditCredit
15Investor Relations
Agribusiness Portfolio – R$ billion
2001 2002 2003 2004 2005 Sep/06
11.7
16.8
27.230.0
35.7
40.3
CreditCreditCreditCredit
16Investor Relations
ACC/ACE Contracted Volume – US$ billion
5.3 5.5
7.69.0
11.9
9.0
2001 2002 2003 2004 2005 9M06
CreditCreditCreditCredit
Foreign Trade Portfolio – R$ billion
2001 2002 2003 2004 2005 Sep/06
6.2
7.6 7.38.0
9.610.5
17Investor Relations
Sep/05 Dec/06 Jun/06 Sep/06 %Dec/05 %Jun/06Loan Portfolio 94,685 101,789 113,103 118,349 16.3 4.6Domestic 86,146 92,612 103,209 107,922 16.5 4.6
Individuals 18,510 18,386 21,637 23,155 25.9 7.0Free Funds 16,560 16,685 20,201 21,681 29.9 7.3
Payroll Loans 3,286 3,810 6,040 7,356 93.1 21.8Car Loans 202 188 409 618 229.1 51.0
SMEs 15,006 15,204 16,847 16,813 10.6 -0.2Businesses 21,383 23,315 24,811 27,630 18.5 11.4Agribusiness 31,247 35,708 39,914 40,324 12.9 1.0
Abroad 8,539 9,177 9,894 10,427 13.6 5.4
R$ million
Individuals SMEs Businesses Agribusiness Abroad
2Q06 - % 3Q06 - %
19.6
14.0
23.6
34.1
8.819.1
14.7
22.2
35.3
8.7
CreditCreditCreditCredit
18Investor Relations
Funding – R$ million
FundingFundingFundingFunding
2001 2002 2003 2004 2005 Set/06CAGR
%Market Sh. %
Demand Deposits 18,831 18,319 20,498 28,991 35,802 32,448 12.1 30.4
Savings Deposits 21,242 22,639 26,578 31,069 32,844 34,447 10.7 10.8
Time Deposits 29,142 33,588 49,558 49,665 63,495 72,271 21.1 17.2
Interbank Deposits 4,220 3,876 7,275 5,768 5,383 5,579 6.1 22.0
Investment Deposits - - - 38 134 157 0.0 0.0
Money Market Borrowing 43,753 37,508 46,478 44,527 30,508 44,309 0.3 16.1
Total 117,188 115,930 150,387 160,059 168,166 189,211 10.6 18.8
19Investor Relations
3.84.7
5.3
6.9
9.3
11.4
2001 2002 2003 2004 2005 Jun/06
Quantity of Credit Cards issued – in million
Credit CardsCredit CardsCredit CardsCredit Cards
20Investor Relations
136.1171.8
238.7
318.6
349.8445500
578625 647
2002 2003 2004 2005 Sep/06
InsuranceInsuranceInsuranceInsurance
Automobile Insurance
Managed portfolio - R$ million Covered Cars – thousand
21Investor Relations
Life Insurance
Contracts – thousand
441.6
570.5
680.6717.1 728.2
1,224 1,2631,351
1,417
1,697
2002 2003 2004 2005 Sep/06
InsuranceInsuranceInsuranceInsurance
Managed portfolio - R$ million
22Investor Relations
Active Participants – thousand
Open-ended Pension Fund
3,785
5,586
7,781
9,659
11,634
886
1,178
1,365
1,5761,713
2002 2003 2004 2005 Sep/06
InsuranceInsuranceInsuranceInsurance
Managed portfolio - R$ million
23Investor Relations
Quantity of Bonds – thousand
1,549
2,0602,264
2,875 2,834
2,631 2,6612,792
2,949 2,840
2002 2003 2004 2005 Sep/06
Capitalization Bonds
InsuranceInsuranceInsuranceInsurance
Managed portfolio - R$ million
24Investor Relations
Infrastructure and TechnologyInfrastructure and TechnologyInfrastructure and TechnologyInfrastructure and Technology
Distribution Network
Northeast
Branches 993Others 2,863Total 3,856
Branches 1,528Others 3,931Total 5,459
Branches 809Others 2,067Total 2,876
Branches 389Others 1,316Total 1,706
Branches 240Others 905Total 1,145
North
Midwest
South
Southeast
25Investor Relations
Transactions in Automated Channels - %
ATM Internet Businesses Internet Individuals Cashier POS Others
2001 2002 2003 2004 2005 Sep/06
78.684.1 86.4 88.4 89.2 89.4
Infrastructure and TechnologyInfrastructure and TechnologyInfrastructure and TechnologyInfrastructure and Technology
Sep/05 Sep/06
Breakdown of Transactions - %
49.6
13.8
14.8
11.6
6.14.1
48.2
13.1
16.9
10.6
7.14.0
26Investor Relations
2Q06 9M05Net Income 1,438 1,546 907 3,417 4,796 -41.3 40.4
Net Interest Income 4,199 4,312 4,403 12,336 13,121 2.1 6.4Allowance for Loan Losses¹ (966) (1,757) (1,385) (3,029) (4,487) -21.2 48.1Fee Income 1,952 2,246 2,252 5,648 6,601 0.3 16.9Administrative Expenses 3,338 3,451 3,443 9,637 10,131 -0.2 5.1
Sep/05 Dec/05 Jun/06Total Assets 245,511 252,977 273,836 281,615 14.7 11.3 2.8
Loan Portfolio 94,685 101,789 113,103 118,349 25.0 16.3 4.6Securities Portfolio 68,610 66,470 70,677 73,766 7.5 11.0 4.4Deposits 122,672 137,658 139,939 144,902 18.1 5.3 3.5Assets Under Management 150,378 153,508 171,154 180,629 20.1 17.7 5.5Shareholders' Equity 16,826 16,850 19,178 20,197 20.0 19.9 5.3
% 3Q05 2Q06 3Q06 9M05 9M06ROE - Annualized 40.8 36.3 19.8 30.5 35.9
NIM - Annualized 9.0 8.1 7.9 8.6 7.9Efficiency 44.9 43.3 48.7 47.5 46.5Delinquency ² 3.9 3.6 3.8Allowance / Deliquency ² 161.2 203.9 196.6
BIS Ratio 17.4 17.3 17.7
Sep/05 Jun/06Change % over
Dec/05 Sep/06
3Q05 2Q06Change % over
3Q06 9M05 9M06
HighlightsHighlightsHighlightsHighlights
(1) Credit Operations characteristics only(2) Past Due Loans + 60 days
R$ million
27Investor Relations
Investor Relations UnitSBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor
70073-901 - Brasília (DF)Phone: 55 (61) 3310.3980
Fax: 55 (61) 3310.3735
DisclaimerDisclaimer - 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 www.bb.com.br/ri
