1
Banco do Brasil S.A.Banco do Brasil S.A.
20062006
2
Economic EnvironmentEconomic EnvironmentEconomic EnvironmentEconomic Environment
Ratios %
GDP 1.9 0.5 4.9 2.3 2.9Exchange Rate - R$ / US$ 52.3 (18.2) (8.1) (11.8) (8.7)Interest Rate - Selic 25.0 16.5 17.8 18.0 13.3Price Index - IPCA 12.5 9.3 7.6 5.7 3.1Sovereign Risk 1,439 463 383 303 192Trade Balance - US$ bilhões 13.1 24.8 33.6 44.7 46.1
20062002 2003 2004 2005
3
Industry OutlookIndustry OutlookIndustry OutlookIndustry Outlook
34.331.2
26.926.224.2
2002 2003 2004 2005 2006
Loan / GDP (%)Number of Banks
166164
163160
158
4
Loan SegmentsLoan SegmentsLoan SegmentsLoan Segments
Individuals Businesses
36.839.5
43.647.2 47.9
63.260.5
56.452.8 52.1
2002 2003 2004 2005 2006
Participation - %
5
Loan SegmentsLoan SegmentsLoan SegmentsLoan Segments
Payroll Loan Credit Card / Overdraft AccountVehicles Others
53.7 55.147.2 45.1 42.7
30.9 29.7
27.5 26.6 26.6
15.4 15.2
13.011.7 10.6
12.4 16.6 20.2
2002 2003 2004 2005 2006
Participation - %
6
Banco do Brasil StructureBanco do Brasil StructureBanco do Brasil StructureBanco do Brasil Structure
COBRA
BB-99.36% ON 99.34% total
BB LEASINGBB - 100% ON
100% Total
BB VIENA BB -100% ON
100% Total
BBCARTÕESBB - 100% ON
100% Total
BB LEASING Co. LTD
BB - 100% ON 100% Total
BB DTVM BB -100% ON
100% Total
BBCORRETORA
BB - 100%ON 100% Total
BAMBBB -100% ON
100% Total
BBCONSÓRCIOS
BB - 100% ON 100% Total
BB BIBB - 100% ON
100% Total
BANCO DO BRASIL SECURITIES LLC
BB - 100% ON 100% Total
BBSECURITIESBAMB -100% ON
100% Total
BB TURISMO
BAMB-99.996% ON 99.996%Total
ATIVOS S.A. BB BI - 49% ON
74.50 % TotalBAMB - 51% ON 25.50% Total
ALIANÇADO BRASIL
BB-BI 40% ON 70% Total
BRASILPREV
BB-BI 49.99% ON 49.99%
Total
CIBRASEC
BB-BI 9,09% ON 9,09% Total
SBCE
BB-BI 12.08% ON 12.08% Total
BRASILSAÚDE
BB-BI 49.92%ON 49.92% Total
VISANET
BB BI Classe A 35% Classe B 28.75% 31.99% Total
ITAPEBI
BB-BI 19% ON 19% Total
BRASILCAP
BB-BI 49.99% ON
49.99% Total
KEPLER WEBER
BB-BI 24.38% ON 24.38% Total
VISA VALE
BB BI 35% ON 37.47% Total
PRONOR
BB BI 0% ON 3.27% Total
Strategic Partnerships
Non-Strategic Partnerships
BRASIL VEÍCULOS
BB-BI 40% ON 70% Total
NEOENERGIA
BB-BI 7.67 ON 7.67 Total
TECBAN
BB BI 8.96% ON 8.96% Total
CLEARINGS• CIP - BB 9.80%• BMF Câmbio• BMF Ativos • CBLC - BB 1.59%• BMF Derivativos
B B
Strategic Partnerships
CADAM
BB 0% ON 21.64% Total
Non-Strategic Partnerships
Banco do BrasilBanco do Brasil
Other Partnerships
Affiliated Companies
B B B I
Wholly Owned Subsidiaries
BANCO POPULAR DO BRASIL BB -100% ON
100% Total
7
Organizational StructureOrganizational StructureOrganizational StructureOrganizational Structure
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
Internal Audit
Op
erat
ion
alS
up
po
rt
Pen
sio
n F
un
d M
anag
emen
t
8
Banco do Brasil’s SharesBanco do Brasil’s SharesBanco do Brasil’s SharesBanco do Brasil’s Shares
Shareholders Number of
Shares %
Number of Shares
%
National Treasury 584,778,036 72.1 566,778,036 68.7PREVI 112,415,335 13.9 94,415,335 11.4BNDESPar 46,604,052 5.7 41,604,052 5.0Treasury Stocks 11,257,677 1.4 - - Foreign Investors 26,682,549 3.3 59,771,452 7.2Others 28,879,766 3,6 62,747,548 7.6
Total 810,617,415 100.0 825,316,423 100.0
Controlling Shareholder 755,055,100 93.1 702,797,423 85.2
Free Float 55,562,315 6.9 122,519,000 14.8
2005 2006
9
Share’s PerformanceShare’s PerformanceShare’s PerformanceShare’s Performance
Earning per Share - R$ 2.8 3.3 3.8 5.2 7.3Book Value per Share - R$ 12.6 16.6 17.6 21.1 25.2Price / Book Value 0.7 1.4 1.8 2.0 2.5Price / Earnings 3.3 7.4 8.6 8.1 8.7Payout - % 28,6 31.3 31.5 36.1 40.0Dividend Yield - % 10.8 4.2 3.7 4.4 4.6Share Earnings - % (1.4) 162.1 44.4 33.9 65.8Daily Average Volume - R$ million 1.6 4.2 4.9 8.6 25.2
Performance Ratios 20062002 2003 2004 2005
10
Share’s PerformanceShare’s PerformanceShare’s PerformanceShare’s Performance
Earnings - %
Ibovespa Banco do Brasil
dec/01 jun/02 dec/02 jun/03 dec/03 jun/04 dec/04 jun/05 dec/05 jun/06 dec/06
513.8
169.8
11
PerformancePerformancePerformancePerformance
2,0282,381
3,024
4,154
6,044
2002 2003 2004 2005 2006
22.6 22.3 23.026.8
32.1
Net Income - R$ million
ROE - %
6,696
17,568
25,979
33,733
52,820
Market Capitalization - R$ million
2002 2003 2004 2005 2006
579 746954
1,498
2,418
Dividends / Interest on Capital - R$ million
12
Capital StructureCapital StructureCapital StructureCapital Structure
2002 2003 2004 2005 2006
Shareholder’s Equity - R$ millionLevel 1 - %
2002 2003 2004 2005 2006
BIS Ratio -%
9,19712,172
14,106
16,850
20,758
17.317.115.2
13.712.2
8.4 9.7 10.6 11.7 11.7
3.84.0
4.65.4 5.6
Level 2 - %
13
HighlightsHighlightsHighlightsHighlights
204.6230.1 239.0
253.0
2002 2003 2004 2005 2006
14.815.1
16.517.3
16.3
Market Share¹ - %
2002 2003 2004 2005 2006
Loan Portfolio - R$ billion
Market Share - %
Assets - R$ billion
296.4
CAGR: 9.7%62.9
77.688.6
101.8
133.2
CAGR: 20.6%
13.716.7
15.315.916.3
(1) Domestic portfolio
14
HighlightsHighlightsHighlightsHighlights
2002 2003 2004 2005 2006
Market Share - %
2002 2003 2004 2005 2006
Assets Under Management - R$ billion
Market Share - %
Deposits - R$ billion
97.3110.0 115.5
137.7
20.320.220.2
22.4
20.9
66.2
102.7
124.0
153.5
182.7
CAGR: 28.9%
19.120.219.7
19.017.4
158.8
CAGR: 13.0%
15
Customers - million
Employees - thousand
HighlightsHighlightsHighlightsHighlights
14.4
17.5
19.7
21.5
22.8
1.0
1.2
1.4
1.4
1.6
Individuals Businesses
2002
2003
2004
2005
2006 24.4
22.9
15.4
21.1
18.8
CAGR:
12.0%
12.2%
75.9
78.0
79.7
83.8
82.7
2002
2003
2004
2005
2006
16
Administrative Expenses - R$ billion Operational Income - R$ billion
57.9 55.8 54.248.1 47.5
ProductivityProductivityProductivityProductivity
Efficiency Ratio - %
9.611.3 12.6 13.1 13.7
16.720.3
23.2
27.328.9
2002 2003 2004 2005 2006
CAGR:
9.3%
14.8%
17
4.5
5.5
6.6
7.6
8.9
5.5
6.8 7.17.5 7.9
2002 2003 2004 2005 2006
Fee Income - R$ billion Personnel Expenses - R$ billion
Coverage Ratio - %
ProductivityProductivityProductivityProductivity
80.3 80.6
93.1
102.3
112.9
CAGR:
9.1%
18.9%
18
FundingFundingFundingFunding
Demand Deposits 24,342 27,140 28,991 35,802 40,059Saving Deposits 26,918 27,425 31,069 32,844 36,714Time Deposits 42,117 48,173 49,665 63,495 76,900Interbank Deposits 3,876 7,275 5,768 5,383 4,878Investment Deposits - - 38 134 289Money Market Borrowing 48,327 40,063 44,527 30,508 49,283
Total 145,581 150,077 160,058 168,167 208,124
2005 200620042002 2003
Funding - R$ million
19
Loan PortfolioLoan PortfolioLoan PortfolioLoan Portfolio
Individuals SME Medium/Corporate Agribusinesses Foreign Trade
2005 - % 2006 - %
18.1
15.2
22.7
35.1
9.018.0
13.8
25.2
33.8
9.1
R$ billion 2004 2005 2006 2005 - %Total Portfolio 88.6 101.8 133.2 30.8
Domestic 79.5 92.6 121.0 30.6 Individuals 16.1 18.4 24.0 30.5 Free Resources 14.4 16.7 22.7 35.8
Payroll Loan 1.5 3.8 8.3 117.8 Vehicles 0.3 0.2 0.9 376.0
Businesses 33.4 38.5 51.9 34.8 SME 13.2 15.4 18.3 18.7 Medium and Corporate 20.2 23.1 33.6 45.5
Agribusinesses 30.0 35.7 45.1 26.2 Abroad 9.0 9.2 12.2 32.7
20
DelinquencyDelinquencyDelinquencyDelinquency
5.66.1
6.6 6.6
3.34.0
2.9
5.4
4.1
5.6
4.7
5.9
4.6
3.03.3
dec/02 dec/03 dec/04 dec/05 dec/06
Allowance / Loan Portfolio - %
Past Due Loans + 15 days / Loan Portfolio - %
Past Due Loans + 60 days / Loan Portfolio - %
21
Delinquency - IndividualsDelinquency - IndividualsDelinquency - IndividualsDelinquency - Individuals
14.2 14.513.8
7.3 7.27.8 7.6
7.56.8 6.8
6.3
14.012.9
12.112.8
14.513.9
10.5
6.7
8.5
dec/05 may/06 jun/06 sep/06 dec/06
Banking Industry
Banco do Brasil
Banking Industry
Banco do Brasil
Past Due Loans + 15 days - % Past Due Loans + 90 days - %
22
LoanLoanLoanLoan
12.616.0
27.531.0
40.4
2002 2003 2004 2005 2006
14.0
16.2
12.213.9
21.7
2002 2003 2004 2005 2006
Retail Loan - R$ billion Commercial Loan - R$ billion
23
LoanLoanLoanLoan
2002 2003 2004 2005 2006
7.6 7.48.0
9.6
11.0
2002 2003 2004 2005 2006
5.5
7.6
9.0
11.9 12.1
Foreign Trade Loan - R$ billion Contracted AmountACC / ACE - US$ billion
24
LoanLoanLoanLoan
16.8
27.230.0
35.7
45.1
2002 2003 2004 2005 2006
Agribusiness Loan - R$ billion
1,743
2,413
3,217
4,342
4,802
2002 2003 2004 2005 2006
Pronaf - R$ million
25
RetailRetailRetailRetail
Credit Cards Revenue - R$ billion¹
2002 2003 2004 2005 2006
Credit Cards Issued - million
13.5
18.1
24.3
31.6
38.8
14.1
9.3
6.95.3
4.7
(1) Banking Cards revenue included
26
InsuranceInsuranceInsuranceInsurance
Managed Portfolio - R$ million
2002 2003 2004 2005 2006
Cars Insured - thousand
136.1
171.8
238.7
318.5
367.0
676625
578500
445
Vehicle Insurance
27
InsuranceInsuranceInsuranceInsurance
441.6
570.5
680.6717.1
820.1
Managed Portfolio - R$ million
2002 2003 2004 2005 2006
Lives Insured - thousand
1,748
1,4171,3511,2631,224
Life Insurance
28
InsuranceInsuranceInsuranceInsurance
3,785
5,586
7,781
9,659
12,473
Managed Portfolio - R$ million
2002 2003 2004 2005 2006
Participants - thousand
886
1,1781,365
1,5761,756Pension Fund
29
InsuranceInsuranceInsuranceInsurance
1,549
2,0602,264
2,875 2,788
2002 2003 2004 2005 2006
Quantity of Plans - thousand
2,631 2,6612,792 2,949
1,653
Capitalization (Annuity Plans)
Managed Portfolio - R$ million
30
Northeast
Branches 993Others 2,882Total 3,875
Branches 1,534Others 3,927Total 5,461
Branches 810Others 2,096Total 2,906
Branches 390Others 1,326Total 1,716
Branches 242Others 913Total 1,155
North
Midwest
South
Southeast
Distribution Network
Infrastructure and TechnologyInfrastructure and TechnologyInfrastructure and TechnologyInfrastructure and Technology
31
Infrastructure and TechnologyInfrastructure and TechnologyInfrastructure and TechnologyInfrastructure and Technology
Branches Others
Points of Service - thousand
2002
2003
2004
2005
2006
12.3
13.2
14.4
14.8
15.1
39.7
40.2
39.0
37.0
33.6
3.2
3.2
3.7
3.9
4.0
9.2
10.0
10.7
10.9
11.1
Automated Teller Machine (ATM) - thousand
2002
2003
2004
2005
2006
32
84.1
86.4
88.4
89.2
90.0
Transaction in Automated Channels - %
2002
2003
2004
2005
2006
48.3
12.7
16.6
10.8
7.7 3.9 ATM
Internet Banking
Internet Banking
Cashier
POS
Others
Breakdown of Transactions - %
47.1
12.7
17.5
10.0
9.03.82005 2006
Individuals
Businesses
Infrastructure and TechnologyInfrastructure and TechnologyInfrastructure and TechnologyInfrastructure and Technology
33
Sustainable Regional DevelopmentSustainable Regional DevelopmentSustainable Regional DevelopmentSustainable Regional Development
2004 2005 2006 2005 - %
Amount Contracted - R$ million 13.6 105.4 313.8 197.7
Benefited Families (thousand) 16.8 70.6 230.9 227.2
Involved Branches 428 1,482 2,502 68.8
Skilled Employees 1,370 4,062 6,052 49.0
Served Municipalities 642 1,503 2,788 85.5
Approved Business Plans 120 375 1,020 172.0
Productive Activities 40 70 70 -
Strategy for job and income generation in a sustainable way which began in 2003.
Support to environmentally correct, socially fair, economically viable and culturally diversified productive activities.
34
Banco do Brasil’s FoundationBanco do Brasil’s FoundationBanco do Brasil’s FoundationBanco do Brasil’s Foundation
20 thousand producers at apiculture, handmade, caju culture, manioc culture, sheep and goat livestock farming, recycles
Productivity Chains
AABB Comunidade Program
Supported 50 thousand children in 2006
Supported 65 thousand people in 2006
BB Educar Program
Social Investment:
R$ million 2003 2004 2005 2006Education 21.0 26.5 28.2 20.5 Job and Income 21.1 47.7 74.3 77.5 Total 42.1 74.1 102.4 98.1
Projects 561 1,357 1,154 1,013
35
HighlightsHighlightsHighlightsHighlights
R$ - millionNet Income 2,028 2,381 3,024 4,154 6,044Net Interest Income 13,575 15,327 15,464 16,709 17,980Fee Income 4,454 5,491 6,607 7,648 8,887Administrative Expenses (9,644) (11,326) (12,562) (13,143) (13,744)
R$ - million
Assets 204,595 230,144 239,014 252,977 296,356Loan Portfolio 62,900 77,636 88,554 101,789 133,157Deposits 97,253 110,014 115,531 137,658 158,841Assets Under Management 66,153 102,658 124,021 153,508 182,683
%
ROE 22.6 22.3 23.0 26.8 32.1Efficiency 57.9 55.8 54.2 48.1 47.5Coverage 80.3 80.6 93.1 102.3 112.9BIS Ratio 12.2 13.7 15.2 17.1 17.3
20062002 2003 2004 2005
2002 20062003 2004 2005
2002 2003 2004 2005 2006
36
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