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Banco do Brasil 1Q07 Results

Banco do Brasil 1Q07 Results. Net Income. 63.0. R$ million. 36.3. 26.7. 29.4. 19.8. 22.5. 14.2. 18.0. 2,343. 1,546. 1,409. 1,248. 938. 907. Δ=12.9%. 832. 647. Δ= 50.2%¹. 1Q06. 2Q06. 3Q06. 4Q06. 1Q07. Recurring Net Income. Net Income. Recurring ROE (Annualized) - %.

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Banco do Brasil 1Q07 Results

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  1. Banco do Brasil 1Q07 Results

  2. Net Income 63.0 R$ million 36.3 26.7 29.4 19.8 22.5 14.2 18.0 2,343 1,546 1,409 1,248 938 907 Δ=12.9% 832 647 Δ= 50.2%¹ 1Q06 2Q06 3Q06 4Q06 1Q07 Recurring Net Income Net Income Recurring ROE (Annualized) - % ROE (Annualized) - % (1) Change over recurring net income

  3. Net Interest Income R$ million 4,855 4,852 4,406 4,403 4,312 506 397 588 330 275 5,816 5,361 6,101 5,095 5,339 4,898 4,693 4,798 4,486 4,631 3,405 3,274 3,521 3,283 3,043 1Q06 2Q06 3Q06 4Q06 1Q07 Expenses Loans Others NII Securities

  4. Net Interest Margin 17.2 15.7 14.6 13.6 12.9 8.5 8.4 8.1 7.9 7.9 1Q06 2Q06 3Q06 4Q06 1Q07 Annualized NIM by Loan Portfolio - % Selic Rate Annualized - % NIM Annualized¹ - % 33.0 31.8 31.7 31.4 28.9 8.9 8.5 8.4 8.0 7.3 6.4 7.0 6.1 5.7 5.2 1Q06 2Q06 3Q06 4Q06 1Q07 Individuals Businesses Agribusinesses (1) Net Interest Income over earning Assets

  5. Loan Portfolio R$ billion Δ % Over 1Q06 4Q06 33.0 5.4 140.4 133.2 38.8 1.1 12.3 118.3 12.2 113.1 32.1 8.9 105.5 26.1 10.4 24.0 9.9 8.9 23.2 21.6 19.8 26.2 3.8 46.8 45.1 40.3 39.9 37.1 38.5 6.3 51.9 55.2 44.4 41.7 39.8 1Q06 2Q06 3Q06 4Q06 1Q07 Businesses Agribusinesses Individuals Abroad

  6. Loan Portfolio - Individuals R$ billion Δ % Over 1Q06 4Q06 32.1 8.9 26.1 24.0 23.2 21.6 (0.4) 1.2 9.7 19.8 9.6 10.1 10.1 9.8 99.0 12.6 9.3 8.3 7.4 6.0 4.7 7.9 25.8 2.7 2.1 2.3 2.4 2.5 21.8 3.8 3.2 3.1 2.8 2.7 2.6 0.2 0.4 0.9 1.2 0.6 421.7 34.4 1Q06 2Q06 3Q06 4Q06 1Q07 Car Loans Credit Card Overdraft Account Payroll Loans Others

  7. Credit Risk Average Risk - % 6.9 6.8 6.6 6.2 6.2 6.7 6.6 6.6 BB Banking Industry 5.4 5.4 Required Provision over Past Due Loans + 90 days - % 222.7 213.9 214.0 211.1 177.3 174.1 172.7 173.9 168.1 166.9 BB Banking Industry 1Q06 2Q06 3Q06 4Q06 1Q07

  8. Delinquency and Provision for Credit Risk 5.5 5.6 5.0 4.9 4.8 1,757 1,431 1,385 1,345 1,257 7.4 7.4 7.3 6.5 6.5 1Q06 2Q06 3Q06 4Q06 1Q07 6.0 5.2 5.0 Provision Expense - R$ million 4.2 4.1 Provision Expense over Loan Portfolio¹ - % 4.3 3.8 3.6 2.9 2.8 1Q06 2Q06 3Q06 4Q06 1Q07 Provision over Loan Portfolio - % Past Due Loans + 15 days over Loan Portfolio - % Past Due Loans + 60 days over Loan Portfolio - % (1) Average Portfolio and Expenses of the past 12 months

  9. Credit Risk Provisions Breakdown R$ million 9,133 8,757 8,635 8,414 7,731 1,582 548 752 1,397 749 8,209 7,662 7,551 7,238 6,982 Mar/06 Jun/06 Sep/06 Dec/06 Mar/07 Required Provision Additional Provision Total Provision

  10. Deposits R$ billion Δ % Over 1Q06 4Q06 15.4 1.1 160.7 158.8 144.9 (2.2) 2.0 139.9 5.3 139.2 5.2 5.7 5.4 6.0 17.3 5.1 76.9 80.9 72.3 68.9 69.4 11.6 (11.2) 35.6 40.1 32.4 31.9 31.4 18.1 6.1 38.9 36.7 34.4 33.0 33.2 Mar/06 Jun/06 Sep/06 Dec/06 Mar/07 Saving Deposits Demand Deposits Time Deposits Others

  11. 408 422 406 385 348 742 722 713 715 667 1,227 1,133 1,143 1,146 1,088 1Q06 2Q06 3Q06 4Q06 1Q07 Fee Income R$ million Δ % Over 1Q06 4Q06 13.0 3.9 2,377 2,287 2,252 2,246 2,103 17.2 (3.3) 11.3 2.8 12.8 7.3 Products Customers Others

  12. 193.1 182.7 180.6 171.2 169.2 1Q06 2Q06 3Q06 4Q06 1Q07 1.6 1.6 1.5 1.5 1.4 23.0 22.8 22.6 22.2 21.8 Customers and Asset Management 20.1 19.7 19.7 19.1 19.1 Δ=5.7% Δ=14.1% Customers - thousand 24.6 24.4 24.1 23.7 Market Share - % AUM - R$ billion 23.3 1Q06 2Q06 3Q06 4Q06 1Q07 Individuals Businesses

  13. Insurance Value Added¹ - R$ million 315 300 250 245 236 Δ=4.8% Δ=33.7% 1Q06 2Q06 3Q06 4Q06 1Q07 (1) Includes equity income, fee income, brokerage and asset management income

  14. Credit Cards Value Added¹ - R$ million 558 508 486 454 441 Δ= - 8.9% Δ=15.1% 1Q06 2Q06 3Q06 4Q06 1Q07 (1) Includes fee income, financing income, equity income and others.

  15. 11.3 11.1 9.4 9.2 8.9 1Q06 2Q06 3Q06 4Q06 1Q07 Credit Cards 14.4 14.1 11.4 9.9 9.5 Δ= - 0.9% Δ=20.5% Revenues¹ - R$ billion Credit Cards - million (1) Includes Credit Cards and Debit Cards

  16. 1,516 1,383 1,378 1,331 1,401 1,839 1,846 1,804 1,781 1,748 1Q06 2Q06 3Q06 4Q06 1Q07 Administrative Expenses R$ million Δ % Over 1Q06 4Q06 3,396 3,253 3,216 1.0 (6.2) 3,186 3,156 5.2 (7.6) (1.8) (5.3) Personnel Expenses¹ Other Administrative Expenses¹ (1) Legal risk is not included.

  17. 10.5 10.5 9.9 10.2 83.4 82.9 82.7 82.6 1Q06 2Q06 3Q06 4Q06 Employees Interns Branches Others Human Resources and Logistics Workforce - thousand 10.1 82.5 Points of Service - thousand 1Q07 15.1 15.1 15.0 15.0 14.9 11.1 11.2 11.0 11.1 10.9 3.9 3.9 4.0 4.0 4.0 1Q06 1Q07 2Q06 3Q06 4Q06

  18. Productivity Ratio R$ million 127.9 113.4 112.1 112.2 112.9 2,377 2,287 2,252 2,246 2,103 2,050 2,001 1,945 1,876 1,859 1Q06 2Q06 3Q06 4Q06 1Q07 Fee Income Personnel Expenses Coverage Ratio¹ - % (1) Year to Date

  19. Productivity Ratio R$ million 48.1 47.5 46.5 45.5 44.1 7,978 7,532 7,138 7,064 6,726 3,614 3,443 3,451 3,325 3,237 1Q06 2Q06 3Q06 4Q06 1Q07 Administrative Expenses Operating Income Efficiency Ratio¹ - % (1) Year to Date

  20. Retail Strategies Partnerships with Retailers Five new partnerships with retailers in 2007, totaling 18; Hybrid Private Label: from 68 thousand cards in Dec/06 to 155 thousand in Mar/07. Carloans 694 formalized agreements (car dealers and multibrand); Localiza: R$ 28 million contracted in 1,4 thousand operations; Other partners: R$ 50 million contracted in 2.5 thousand operations in the 1Q07. Mortgage Loans Contracts reached R$ 16 million with R$ 1.7 million disbursed in less than two months; Disbursements expectation until year’s end: R$ 650 million; Own Portfolio: estimated to be implemented in the 2H07.

  21. For further information access www.bb.com.br/ri Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor 70073-901 - Brasília (DF) Phone: 55 (61) 3310.3980 Fax: 55 (61) 3310.3735 www.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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