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Investor Relations

Investor Relations. BANCO DO BRASIL. 1Q05 Results. Highlights. R$ million. (1) Equity Income + Other Operating Income (2) Taxes on Revenues + Other Tax Expenses + Other Operating Expenses. Highlights. R$ million. (1) Annualized. Result Building Up. Spread Reduction.

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Investor Relations

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  1. Investor Relations BANCO DO BRASIL 1Q05 Results

  2. Highlights R$ million (1) Equity Income + Other Operating Income (2) Taxes on Revenues + Other Tax Expenses + Other Operating Expenses

  3. Highlights R$ million (1) Annualized

  4. Result Building Up Spread Reduction Growth of Credit Portfolio Credit Risk Worsening Growth of Service Revenues Reduction of Administrative Expenses Increase in Income Tax and Social Contribution

  5. Result Building Up Net Income Changes - R$ million 965 771 259 131 102 91 64 48 24 5 Net Income 4Q04 Net Income 1Q05 -37 -194 -295 Administrative Expenses Non-Recurring Items Other Operational Revenues/Expenses Allowance for Loan Losses Non-Operating Income Taxes Equity Income Service Revenues Profit Sharing Others Net Interest Income

  6. Spread Reduction Analysis of Volume and Spread Spread - % 1Q05 - 1.69384 49 3 1Q04 - 1.67261 3,829 210 Volume - R$ million 1Q05 - 241,493 4Q04 - 228,946 Spread - % 4Q04 - 1.74006 (109) (3) Gain/(Loss) due to Volume 1Q05 - 1.69384 Gain/(Loss) due to Spread Gain/(Loss) due to Volume and Spread 4,086 116 Volume - R$ million 1Q05 - 241,493 4Q04 - 234,802

  7. Spread Reduction Spread by Credit Portfolio - % 44.5 43.0 40.4 38.1 35.9 9.5 9.1 8.7 8.3 8.0 7.0 6.2 5.8 5.8 5.4 1Q04 2Q04 3Q04 4Q04 1Q05 NIM ¹ (Annualized) - % Agribusiness Commercial Retail 8.5 9.2 8.8 8.7 8.4 1Q04 2Q04 3Q04 4Q04 1Q05 (1) Net Interest Margin - Related to Earning Assets

  8. Growth of Credit Portfolio R$ million 1Q04 - % 4Q04 - % 1Q05 - % 12.6 10.2 10.1 17.7 18.2 18.3 12.3 13.7 13.5 33.9 32.5 33.0 24.9 24.0 25.1 Individuals SMEs Businesses Agribusiness Abroad

  9. Credit Risk - % 13.0 5.2 2.3 4.4 2.7 97.7 97.3 95.6 94.8 87.0 Retail Commercial Agribusiness Foreign Trade Abroad ¹ AA-C D-H (1) Source: Brazilian Central Bank

  10. Allowance / Credit Portfolio - % Past Due Loans / Credit Portfolio - % Past Due Loans + 60 days / Credit Portfolio - % Delinquency 4.6 4.4 4.4 4.3 4.3 2.2 2.2 2.1 1.7 1.7 1Q04 2Q04 3Q04 4Q04 1Q05 Losses / Credit Portfolio ¹ - % Expenses / Portfolio - % 6.4 6.1 6.1 6.1 5.9 5.6 5.2 5.1 5.1 4.9 3.2 3.3 3.2 3.2 3.1 1Q04 2Q04 3Q04 4Q04 1Q05 (1) Annualized

  11. Growth of Service Revenues R$ million Customers Base - million Asset Management - R$ billion 20.8 20.2 19.9 20.0 19.7 300 296 286 286 282 138.2 124.0 122.5 116.9 116.0 21.2 21.1 20.7 20.1 19.3 1Q04 2Q04 3Q04 4Q04 1Q05 1Q04 2Q04 3Q04 4Q04 1Q05 Customers Serv. Revenues + NII¹/ Average² Customers - R$ Asset Management Market Share - % (1) Net Interest Income (2) 12 Months

  12. Reduction of Administrative Expenses R$ million

  13. Productivity Ratios Assets per Workforce - R$ thousand 2,570 2,597 2,503 2,531 2,455 1Q04 2Q04 3Q04 4Q04 1Q05 Customers per Workforce Workforce per Branch ¹ 17.5 17.4 17.4 17.3 17.6 227 224 221 217 209 1Q04 2Q04 3Q04 4Q04 1Q05 1Q04 2Q04 3Q04 4Q04 1Q05 (1) Branch + Advanced Service Post + Banking Service Post

  14. Productivity Ratios Credit Portfolio per Point of Service - R$ million 6.4 6.1 6.0 5.9 5.9 1Q04 2Q04 3Q04 4Q04 1Q05 Serv. Rev. per Point of Service - R$ thousand Customers per Point of Service 121 121 1,442 1,448 1,459 1,457 118 1,423 118 115 1Q04 2Q04 3Q04 4Q04 1Q05 1Q04 2Q04 3Q04 4Q04 1Q05

  15. Productivity Ratios Coverage Ratio ¹ - % YTD 98.6 98.3 98.4 97.9 96.8 1Q04 2Q04 3Q04 4Q04 1Q05 Efficiency Ratio ² - % YTD Efficiency Ratio Change 58.2 56.6 56.4 56.1 54.2 R$ million 1Q04 2Q04 3Q04 4Q04 1Q05 (1) Service Revenues / Personnel Expenses (2) Administrative Expenses / Operating Income

  16. Pretax Income - R$ million Taxes - R$ million Tax Rate - % Increase in Income Tax and Social Contribution 40.8 35.0 29.8 20.8 4.5 1,378 1,336 1,242 1,043 899 545 483 370 187 47 1Q04 2Q04 3Q04 4Q04 1Q05

  17. Strategy Aiming Results BB Consignação - R$ 1.8 billion balance and more than 6 thousand agreements; BB Crediário - more than 624 thousand POS - 12 million registered customers; BB Consórcios - more than 142 thousand quotas - 3rd in the Central Bank ranking; Banco do Brasil Estilo - around 430 thousand customers; ACC/ACE - more than US$ 3 billion contracted in 1Q05; ATMs’ Sharing - more than 85 thousand transactions; Banco do Brasil Call Center - 810 thousand daily calls on average.

  18. For further information access www.bb.com.br/ri Investor Relations Division SBS - Quadra 1 - Bloco C - Ed. Sede III - 17° floor 70073-901 - Brasília (DF) Phone: 55 (61) 310.5920 Fax: 55 (61) 310.3735 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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