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Banco do Brasil 2006 Results

Banco do Brasil 2006 Results. Highlights. R$ million. (1) Credit Operations characteristics only (2) Past Due Loans + 60 days. Dividends / Interest on Own Capital – R$ million. Banco do Brasil Shares. 2,418. 1,498. 954. 746. 580. 2002. 2003. 2004. 2005. 2006.

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Banco do Brasil 2006 Results

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  1. Banco do Brasil 2006 Results

  2. Highlights R$ million (1) Credit Operations characteristics only (2) Past Due Loans + 60 days

  3. Dividends / Interest on Own Capital – R$ million Banco do Brasil Shares 2,418 1,498 954 746 580 2002 2003 2004 2005 2006 (1) Average Daily Trading Volume

  4. Net Interest Margin 18.8 17.2 15.7 14.6 13.6 9.2 8.5 8.4 8.1 7.9 4Q05 1Q06 2Q06 3Q06 4Q06 Spread by Loan Portfolio - % Selic Rate Annualized - % 33.0 31.8 32.2 31.7 NIM Annualized¹ - % 31.4 8.9 8.9 8.4 8.5 8.0 6.4 6.3 6.1 5.7 5.2 4Q06 1Q06 4Q05 3Q06 2Q06 Individuals Businesses Agribusiness (1) Net Interest Margin over Earning Assets

  5. Loan Portfolio R$ million Sep/06 - % Dec/05 - % Dec/06 - % 9.0 8.8 9.1 18.1 19.6 18.0 35.1 34.1 33.8 15.2 14.2 13.8 22.7 23.3 25.2 Individuals SME’s Businesses Agribusiness Abroad

  6. Credit Risk 91.0 90.6 89.6 89.6 89.5 90.7 AA-C - % 89.9 89.5 88.4 87.6 12.4 11.6 10.5 10.1 9.3 D-H - % 10.5 10.4 10.4 9.4 9.0 4Q05 1Q06 2Q06 3Q06 4Q06 BB Banking Industry

  7. Agribusiness: 220.8% delinquency covered by provision 9.3 12.5 11.8 15.2 18.5 90.7 87.5 88.2 84.8 81.5 4Q05 1Q06 2Q06 3Q06 4Q06 AA-C D-H Credit Risk Agribusiness - % 8.9 8.2 7.7 6.1 5.4 5.6 5.6 5.5 5.1 2.8 Retail - % 9.3 11.1 10.4 11.6 11.2 90.7 89.6 88.4 88.8 88.9 Allowance for loan losses / Loan Portfolio Past Due Loans + 15 days / Loan Portfolio 4Q05 1Q06 2Q06 3Q06 4Q06

  8. 6.9 6.8 6.6 6.3 6.2 6.7 6.6 6.6 5.8 5.4 214.0 213.9 211.1 177.3 174.1 173.9 172.7 170.9 171.3 166.9 4Q05 1Q06 2Q06 3Q06 4Q06 Credit Risk Average Risk - % BB Banking Industry Required Provision over Past Due Loans + 90 days - % BB Banking Industry

  9. Delinquency and Provision for Credit Risk 5.5 5.6 5.0 4.9 4.7 1,757 1,498 1,385 1,345 1,257 7.4 7.4 7.3 6.6 6.5 6.0 5.6 5.2 4Q05 1Q06 2Q06 3Q06 4Q06 5.0 4.1 Quarterly Provision Expenses - R$ million Provision Expenses / Loan Portfolio¹ - % 4.3 4.0 3.8 3.6 2.9 4Q05 1Q06 2Q06 3Q06 4Q06 Allowance for loan losses / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - % (1) Average Portfolio and Expenses of the last 12 months

  10. Allowances Breakdown R$ million 8,757 8,635 8,414 7,731 548 1,397 6,692 752 749 790 8,209 7,662 7,238 6,982 5,901 Dec/05 Mar/06 Jun/06 Sep/06 Dec/06 Required Provision Additional Provision Total Provision

  11. 0.84 0.82 0.81 0.76 0.74 Dec/05 Mar/06 Jun/06 Sep/06 Dec/06 Funding R$ million Loans to Deposit Ratio - Times (1) Includes special deposits relating to funds and programs

  12. 3,381 2,426 1,841 Fee Income R$ million 3,950 44.4% Δ=16.9% 44.2% Products Customers 31.7% 2,817 Δ=16.1% 31.7% Others 2,120 23.9% 24.1% Δ=15.1% 2005 2006

  13. 92.3 91.1 89.4 89.1 87.7 4Q05 1Q06 2Q06 3Q06 4Q06 Insurance R$ million Combined Ratio - %

  14. Credit Cards – million Revenues¹ - R$ billion Credit Cards R$ million 14.1 11.4 9.9 9.5 9.3 11.3 9.4 9.2 9.1 8.9 4Q05 1Q06 2Q06 3Q06 4Q06 (1) Includes Credit and Debit Cards

  15. Administrative Expenses R$ million (1) Telecommunication and Data Processing (2) Amortization, Depreciation, Expenses with Premises and Equipment (3) Security, Guard and Transport Service and Other Outsourcing (4) legal and Labor Claims

  16. Productivity Ratios Coverage¹ Ratio - % 112.2 113.4 112.9 112.1 102.3 Efficiency² Ratio - % 4Q05 1Q06 2Q06 3Q06 4Q06 48.1 48.1 47.5 46.5 45.5 4Q05 1Q06 2Q06 3Q06 4Q06 (1) Fee Income / Personnel Expenses - YTD (2) Administrative Expenses / Operating Income - YTD

  17. 29.7 70.3 Working Capital Investment Agribusiness – Rolling-over R$ million Rolling-over - % 20% - expected return for 2007 (1) Capital + Interest

  18. Proagro¹ Agricultural Insurance Agreements Derivatives Third Party Risk Agribusiness – Risk Mitigation Agribusiness Portfolio – R$ 45.1 billion 38.1% 10.3% 21.7% 7.1% 5.1% 39.4% (1) Official Insurance

  19. Retail - Strategy • Payroll and car loans focusing • Non-account holders customers approach • Partnerships with retailers • Mortgage business tackling • Customer relationship improvement, focusing on high income segment

  20. 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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