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Banco do Brasil 2Q08

Banco do Brasil 2Q08. 19,1. 16,2. 15,3. 11,9. 11,3. 7,6. 5,7. 4,5. 3,6. 3,1. 2004. 2005. 2006. 2007. 1H08. Economic Environment. Ratio - %. Interest Rate - Selic. Price Index - IPCA. 383. 229. 222. 303. 200,8. 180,3. 85,8. 53,8. 52,9. 46,5. 44,7. 40,0. 33,6.

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Banco do Brasil 2Q08

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  1. Banco do Brasil 2Q08

  2. 19,1 16,2 15,3 11,9 11,3 7,6 5,7 4,5 3,6 3,1 2004 2005 2006 2007 1H08 Economic Environment Ratio - % Interest Rate - Selic Price Index - IPCA

  3. 383 229 222 303 200,8 180,3 85,8 53,8 52,9 46,5 44,7 40,0 33,6 11,4 2004 2005 2006 2007 1H08 Economic Environment 192 US$ billion Sovereign Risk - basis points International Reserves Trade Balance

  4. 36,5 34,7 56,4 30,8 52,8 52,2 52,7 51,9 47,8 48,1 28,1 47,3 47,2 26,9 43,6 2004 2005 2006 2007 1H08 Banking Industry Loan Segments - Free Resources % Loan / GDP - % Businesses Individuals

  5. 9,5 10,0 10,6 13,0 11,7 12,4 16,6 20,1 20,2 20,4 27,5 23,4 26,6 25,7 26,7 46,5 47,2 45,1 44,5 42,5 2004 2005 2006 2007 1H08 Loan Segments Individual Loan Segments - % Others Payroll Loan Cars Credit Cards / Overdraft Account

  6. Banco do Brasil’s Structure

  7. Internal Structure Shareholders General Meeting Board of Auditors Board of Directors Audit Committee Internal Audit Board of Officers CEO VP of VP of VP of VP of VP of VP of VP of Human VP of VP of Internal Cards and New Retail and Agribusiness Government Finance , Technology Resources and Credit , International Controls Retail Business Distribution Capital Markets and Logistics Social Controlling Business and IR Environmentall and Risk and Wholesale Responsability Management Strategy and Organization Distribution Foreign Human Agribusiness Government Finance Cards and Retail Logistics Controlling Security Trade Resources Channels Management Employee Capital New Retail Pension Fund Relations Wholesale Retail Credit Technology Markets Business Management and Social Env . Legal and Investment Resp . Insurance , Micro Risk Marketing and International Pension and and Small Investor Software Management Communication Capitalization Enterprises Relations Development Executive Reestructuring Low Income IT Secretariat of Operational Understructure Assets High Income Operational Accounting Support Units Directorships

  8. 21,7 21,7 10,0 14,8 9,8 11,9 7,2 11,9 6,9 6,8 11,7 2,8 2,5 3,4 7,6 9,8 4,0 3,5 10,5 65,3 2004 2005 2006 2007 1H08 Ownership Structure Participation Free Float - % Free Float: 21,7% National Treasury BNDESPar Others PREVI Foreign Investors

  9. 3,1 2,5 2,5 1,8 2,0 2005 2004 2006 2007 1H08 14,9 10,1 8,7 8,6 8,1 2006 2007 1H08 2004 Share’s Performance Price / Book Value Price / Earnings 2005

  10. 2,4 1,0 1,7 0,8 1,3 0,6 0,6 0,4 2004 2005 2006 2004 2005 2006 2007 1H08 1,6 1H08 Share’s Performance Dividends and Interest on Own Capital / Share – R$ Earnings / Share – R$ 2,0 2007

  11. jun/03 jun/04 jun/05 jun/06 jun/07 jun/08 Share’s Performance 781% 702% 529% 499% 495% Banco do Brasil Unibanco Ibovespa Bradesco Itaú

  12. 991 1.597 34,0 24,3 Profitability 2.418 2.023 32,1 1.498 26,8 23,0 22,5 954 75,3 69,1 66,5 6,0 52,8 5,1 4,2 4,0 33,7 3,0 2,5 26.0 2004 2005 2006 2007 1H07 1H08 2004 2005 2006 2007 1H07 1H08 Dividends and Interest on Own Capital - R$ million ROE - % Market Capitalization - R$ billion Net Income - R$ billion

  13. 17,1 17,3 15,6 15,2 26,4 13,1 24,3 20,8 16,9 5,6 14,1 5,4 4,9 4,6 4,4 11,7 11,7 10,6 10,7 8,7 2004 2005 2006 2007 2Q08 2004 2005 2006 2007 1H08 Capital Structure BIS Ratio - % Tier I -% Tier II - % Shareholder’s Equity - R$ billion

  14. 416,5² 367,2 296,4 253,0 239,0 2004 2005 2006 2007 1H08 Assets 16,5 17,4 ¹ 15,1 14,8 14,3 CAGR: 17,2% CAGR: 17,2% Market Share % Assets - R$ billion (1) Source: BACEN - March/2008 (2) Consolidated Statements

  15. 43,6 49,1 Funding 21,9% 21,1% 19,8% 19,6% 19,1% 288,8 R$ billion 260,6 6,0 5,6 CAGR (%): 18,4 208,1 45,8 1,0 5,2 168,2 160,1 36,7 51,3 14,0 5,5 5,8 32,8 40,1 96,7 31,1 12,4 72,3 35,8 29,0 49,3 23,5 30,5 44,5 21,0 93,3 85,5 76,9 63,5 49,7 2004 2005 2006 2007 1H08 Market Share - % Money Market Borrowing Saving Deposits Time Deposits Demand Deposits Others

  16. 88,7% 66,8% 63,2% 61,9% 61,7% 50,3% Funding Funding Cost - as % of Selic 100,0 Savings Deposits Total Deposits Time Deposits Money Market Borrowing Judicial Deposits Total Funding

  17. 16,5 16,3 15,9 16,0 190,1 15,3 9,7 160,7 11,4 61,6 133,2 12,2 51,9 101,8 88,6 45,1 9,2 9,0 78,3 35,7 65,5 30,0 51,9 38,5 33,4 40,5 32,0 24,0 18,4 16,1 2004 2005 2006 2007 1Q08 Loan Portfolio CAGR (%): 24,4 R$ billion 2,2 22,8 27,2 30,2 Individuals Agribusiness Market Share - % Businesses Abroad

  18. 41,5 4,7 2,8 32,0 2,9 7,1 24,0 2,4 0,9 4,3 18,4 2,2 16,1 0,2 3,1 14,0 0,3 2,2 11,9 2,2 2,5 8,3 2,0 3,8 1,5 11,9 10,5 10,0 9,7 9,5 2004 2005 2006 2007 1H08 Consumer Finance R$ billion CAGR (%): 31,1 119,5 7,1 43,6 89,3 5,1 Credit Card Cars Unsecured Consumer Finance Payroll Loans Overdraft Account

  19. 78,3 65,5 29,2 51,9 24,6 18,3 38,5 33,4 15,4 13,2 49,0 40,9 33,6 23,1 20,2 1H08 2004 2005 2006 2007 Credit to Businesses R$ billion CAGR (%): 27,5 25,6 28,8 Middle and Corporate Enterprises Small and Micro Enterprises

  20. 18,4 11,7 8,5 5,3 4,2 43,2 40,2 36,6 30,5 25,9 2004 1H08 2007 2005 2006 Credit to Agribusiness R$ billion 61,6 51,9 45,1 CAGR (%): 22,8 53,1 35,8 30,1 15,7 Individuals Businesses

  21. 5,0 4,7 4,3 3,7 3,6 5,7 5,4 4,5 3,5 3,2 2004 2005 2006 2007 1S08 Credit Risk Provision Expenses - R$ billion Provision Expenses/Loan Portfolio¹ - % (1) Average Loan Portfolio and Expenses in the last 12 months.

  22. 6,6 6,5 6,4 6,1 5,9 5,8 5,4 5,4 5,1 5,4 5,6 4,9 4,5 4,1 4,0 3,7 3,3 3,3 2,9 2,8 2004 2005 2006 2007 1H08 Credit Risk Provision/Loan Portfolio - % Past Due Loans + 15 days/Loan Portfolio - % Average Risk - % Past Due Loans + 60 days/Loan Portfolio - %

  23. 20,8 18,1 16,7 15,7 40,0 36,7 33,6 31,3 14,7 15,1 14,4 14,2 25,3 21,6 19,2 17,1 2004 2005 2006 2007 Net Interest Income R$ billion 11,2 10,2 21,9 19,7 7,5 7,5 14,4 12,2 1H07 1H08 Loan Revenues Net Interest Income Other Interest Revenues

  24. NIM 12,2 11,7 11,5 11,0 10,8 8,0 7,8 7,5 7,2 7,3 2Q08 2Q07 3Q07 4Q07 1Q08 Average Selic - % NIM¹ - % NIM by Portfolio - % 28,8 27,7 26,6 24,1 23,4 7,0 7,2 6,9 6,9 6,5 6,6 6,6 5,8 5,0 4,9 2Q07 3Q07 4Q07 1Q08 2Q08 Individuals Businesses Agribusiness (1) Net Interest Income over Earning Assets

  25. 27,3 16,2 15,3 13,1 7,2 6,8 Productivity 54,2 51,4 49,1 48,1 47,5 45,0 46,9 44,4 44,1 R$ billion 30,9 28,9 23,2 14,5 13,7 12,6 2004 2005 2006 2007 1H07 1H08 Efficiency Ratio - % Efficiency Ratio without Extraordinary Itens - % Administrative Expenses¹ Operating Income¹ (1) sem itens extraordinários

  26. 9,9 7,8 Productivity 127,7 130,9 130,2 112,9 102,3 93,1 110,1 108,1 R$ billion 8,9 7,9 7,6 7,5 7,1 6,6 5,2 4,8 3,9 3,7 1S07 1S08 2004 2005 2006 2007 Coverage Ratio - % Coverage Ratio without Extraordinary Itens - % Personnel Expenses¹ Fee Income (1) sem itens extraordinários

  27. 28,9 22,5 75,0 67,4 59,1 23,7 55,8 20,2 49,3 15,7 14,1 41,3 9,3 6,9 51,2 47,2 43,4 41,7 40,0 34,4 2004 2005 2006 2007 1H07 1H08 Credit and Debit Card 49,1 37,9 31,6 24,3 CAGR (%): 18,5 42,2 12,1 Revenues – R$ billion Debit Cards Issued - million Credit Cards Issued - million

  28. 1H08 27,1 1,8 28,9 2007 24,3 1,7 26,0 2006 22,8 1,6 24,4 2005 21,5 1,4 22,9 2004 19,7 1,4 21,1 1H08 84,3 2007 81,9 2006 82,7 2005 83,8 2004 79,7 Structure Customers - million CAGR (%): 9,4 9,4 7,4 Individuals Businesses Employees - thousand

  29. 1H08 11,3 4,1 15,4 15,1 2006 11,1 4,0 2007 11,3 4,0 15,3 2005 10,9 3,9 14,8 14,5 2004 10,7 3,7 2007 91,3 1H08 2006 90,0 90,5 2005 89,2 2004 88,4 Structure Points of Services - thousand Others Branches Transaction in Automated Channels - %

  30. Structure Distribution Network by Customer 6,0% Northeast North Retail 980 Wholesale 7 Government 10 High Income 7 Retail 233 Wholesale 2 Government 7 High Income 1 24,8% 9,9% Midwest Retail 386 Wholesale 5 Government 4 High Income 5 38,7% Southeast Retail 1.477 Wholesale 48 Government 11 High Income 34 South 20,6% Retail 801 Wholesale 22 Government 6 High Income 6

  31. 5,9 8,5 4,0 7,8 9,5 10,1 42,7 45,9 33,4 32,1 Structure Internet Banking – million of customers 1H08 8,4 2007 8,5 2006 8,2 2005 7,9 2004 6,9 Transactions per Channels - % 1H07 1H08 ATM Internet Cash POS Others

  32. 220,1 182,7 153,5 124,0 2004 2005 2006 2007 Asset Management Customer Profile R$ billion Foreign Investors 245,9 3,4% Retail 26,8% Institutional Investors 41,5% Wholesale 10,6% Public Sector 17,7% Investment Profile Others 14,5% Multi-strategy CAGR: 21,6% 13,5% Fixed Income 53,2% 1H08 Equities 18,8%

  33. 1.200 1.123 889 760 720 627 2004 2005 2006 2007 1H07 1H08 Insurance - Added Value R$ million CAGR: 18,5%

  34. For further information access www.bb.com.br/ir Investor Relations Unit SCN - Quadra 2 - Bloco A - 6th floor - Room 602 Ed. Corporate Financial Center 70712-900 - Brasília (DF) Phone: 55 (61) 3101.8781 Fax: 55 (61) 3101.8793 bb.com.br 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.

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