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Earnings Release

Earnings Release. 3Q02. 1,428. 750. Jan-Sept/01. Jan-Sept/02. Net Income R$ millions. 605. 474. 446. 349. 167. 137. 1Q01. 2Q01. 3Q01. 1Q02. 2Q02. 3Q02. Net Income R$ millions. 22.8. 20.6. 16.6. 12.9. 12.2. 3Q01. 4Q01. 1Q02. 2Q02. 3Q02. ROE

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Earnings Release

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  1. Earnings Release 3Q02

  2. 1,428 750 Jan-Sept/01 Jan-Sept/02 Net Income R$ millions

  3. 605 474 446 349 167 137 1Q01 2Q01 3Q01 1Q02 2Q02 3Q02 Net Income R$ millions

  4. 22.8 20.6 16.6 12.9 12.2 3Q01 4Q01 1Q02 2Q02 3Q02 ROE Accumulated & Annualized (%)

  5. Income Statement Corporate Law (R$ millions) Flow in the Period Var. % Jan-Sept/01 Jan/Sept/02 Gross Result from Fin. Brokerage 2,764 4,252 53.9 Service Income 2,721 3,285 20.7 + Personnel Expenses -3,946 -4,030 2.1 Other Administrative Expenses -2,692 -2,884 7.1 + Other Operating Components 1,973 1,669 -15.4 Operating Income 819 2,292 179.7 Non-Operating Income 70 70 0.0 Income Before Tax 889 2,362 165.6 Income Tax and Social Contribution -120 -832 593.3 Statutory Profit Sharing -19 -102 436.8 Net Income 750 1,428 90.5

  6. Income Statement Corporate Law (R$ million) Quarterly Flow Var. % 2Q02 3Q02 Gross Result from Fin. Brokerage 1,374 1,002 -27,0 Service Income 1,138 1,118 -1.8 Personnel Expenses -1,324 -1,410 6.5 Other Administrative Expenses -936 -1,061 13.4 Other Operating Components 484 1,252 158.7 Operating Income 735 902 22,7 Non-Operating Income 11 28 154.5 Income Before Tax 746 930 24.6 Income Tax and Social Contribution -195 -300 53.8 Statutory Profit Sharing -77 -25 -67.5 Net Income 474 605 27.6

  7. Balance Sheet R$ millions Balance Var. % Sept/01 June/02 Sept/02 x Sept/01 x June/02 35.7 25.6 Assets 157,225 169,910 213,412 57,504 72,245 95,653 Liquidity Assets 66.3 32.4 + Loans & Leasing Operations 27.5 10.3 40,253 46,542 51,330 + Other Assets 59,468 51,123 66,430 11.7 29.9 35.7 25.6 Liabilities 157,225 169,910 213,412 73,881 79,710 96,238 Deposits 30.3 20.7 + Demand Deposits 15,440 18,319 21,391 38.5 16.8 21,053 22,639 26,279 Savings Deposits 24.8 16.1 4,738 5,165 5,571 Interbank Deposits 17.6 7.9 32,651 33,588 42,997 Time Deposits 31.7 28.0 34,517 37,508 49,650 Open Market Funds 43.8 32.4 Other Liabilities 40,189 44,707 59,114 47.1 32.2 Shareholders’ Equity+3Q Profit 8,638 7,984 8,410 -2.6 5.3 +

  8. 81.5 69.0 Jan-Sept/01 Jan-Sept/02 Coverage Ratio - Accumulated (%) (Service Income /Personnel Expenses)

  9. 14.9 14.5 13.5 Sept/01 June/02 Sept/02 Customer Base millions Asset Management R$ billions 64.5 60.5 57.3 17.5 17.1 15.7 Sept/01 June/02 Sept/02 Net Equity Market Share (%)

  10. 69.9 59.6 Jan-Sept/01 Jan-Sept/02 Cost/Income Ratio - Accumulated (%) (Administrative Expenses/Operating Income)

  11. 9,220 8,968 8,320 Sept /01 Jun e/02 Sept /02 Variation % Region Sept/01 to Sept/02 Southeast 14.5 Others 8.8 Brasil 10.8 Distribution Network 7.1% 24.3% 11.5% 36.8% 20.3%

  12. 33,002 32,936 32,057 81.9 80.3 76.9 Sept/01 June/02 Sept/02 ATMs Transações Automatizadas (%) ATMs

  13. Securities Portfolio R$ millions Balance Var. % % June/02 Sept/02 Available for Trading 3,325 3,710 11.6 4.9 Available for Sale 40,377 45,991 13.9 60.7 Held to Maturity 24,542 25,669 4.6 33.9 Derivatives 346 400 15.6 0.5 Total 68,590 75,770 10.5 100.0

  14. International Agribusiness 15.1% 29.2% Others 3.5% Sept/02 Retail 25.9% Commercial International Agribusiness 26.2% 15.8% 27.5% Others 4.5% Retail Commercial 24.7% 27.5% Credit Portfolio Profile (Multiple Bank Balances & Subsidiaries in the Country) Sept/01

  15. 6.9 6.8 6.3 2.1 2.0 1.9 1.5 1.4 1.2 Sept/01 June/02 Sept/02 Consumer Finance Overdraft Account Working Capital Main Retail Operations R$ billions

  16. 6.0 5.8 4.1 2.6 2.6 1.7 2.0 1.9 1.3 Sept/01 June/02 Sept/02 Conta Garantida (Working Capital) Receivables Investments Main Commercial Operations R$ billions

  17. Main Agribusiness Operations R$ billions 6.8 6.7 6.2 4.1 4.0 3.0 1.9 1.7 1.1 Sept/01 June/02 Sept/02 Constitutional Fund for the Midwest Region (FCO) Defrayal Investment

  18. Credit Risk SFN BB SFN - National Financial System

  19. Credit Risk R$ millions 3Q01 3Q02 Total Credit Portfolio 48,358 63,017 Non Performing Loans 3,212 3,879 NPL/Total Credit Portfolio 6.6 6.2 NPL for more than 60 days 2,133 2,190 NPL for more than 60 days / Total Credit Portfolio - % 4.4 3.5 Write-offs 381 537 Credit Recovery 172 162 Losses Balance 209 374 Losses Balance / Total Credit Portfolio - % 1.7 2.4 Provisions/Total Credit Portfolio - % 5.6 5.3 Provisions/ NPL for more than 60 days - % 128.0 153.8

  20. Deposits R$ billions 43.0 33.6 32.6 26.3 22.6 21.4 21.0 18.3 15.4 Sept/01 June/02 Sept/02 Time Savings Demand

  21. 13.1 12.7 12.4 12.1 11.6 10.9 11.0 9.2 9.3 9.0 8.8 8.0 7.8 7.4 Mar/01 June/01 Sept/01 Dez/01 Mar/02 June/02 Sept/02 Tier I Tier II BIS ratio - %

  22. Capital Adequacy R$ millions Balances Sept/01 June/02 Sept/02 Risk weighted assets 89,019 95,374 107,797 Required Shareholders’ equity 10,568 11,179 12,472 Referential Equity 11,799 11,780 12,389 - - -126 Treasury stocks Shareholders’ equity surplus/deficit 1,232 601 -82 Leverage surplus/deficit 11,196 5,468 -749 K coefficient % 12.4 11.6 10.9

  23. Leadership 1st in Assets - R$213.4 billion; 1st in Asset Management - R$57.3 billion - 15.7% market share; 1st in deposits - R$96.2 billion; Leader in the foreign exchange market - 22.3% market share Largest service network in Brazil - 9,220 points of service; Retail leader - 14.9 million customers. 

  24. Investor Relations Division SBS - Quadra 1 - Bloco C - Ed. Sede III - 17° andar 70073-901 - Brasília (DF) - Brasil Phone: 55 61 310.5920 Fax: 55 61 310.3735 www.bb.com.br ri@bb.com.br

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