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Overview of Unibanco

Overview of Unibanco. Highlights. Shareholders’ Structure. 76.1% of Unibanco's capital are floating shares negotiated in the form of Units + GDS. Units and GDSs.

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Overview of Unibanco

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  1. Overview of Unibanco

  2. Highlights

  3. Shareholders’ Structure 76.1% of Unibanco's capital are floating shares negotiated in the form of Units + GDS

  4. Units and GDSs Liquidity has increased consistently over the last two years leading to the inclusion of the Unit in the Ibovespa index as of May 2005 Additionally, in the Ibovespa’s new portfolio, released on September 1st, the Unit significantly increased its weight in the index, from 0.984% to 1.264% (28% increase) Source: Factset (1) Based on 30-day moving average of trading volume

  5. A Snapshot of Unibanco

  6. Organizational Structure • Prominent Board Members • Independent Audit Committee

  7. Timeline Over 80 years of history to become one of the leading full service banks in Brazil

  8. Bridging the gap Unibanco is the bank that grew its assets the most over the last 15 years.

  9. Segmentation and Distribution A superior strategy and comprehensive distribution system... …foster cross-selling opportunities across our expanding client base

  10. Universal Bank Unibanco serves all types of clients and segments

  11. Universal Bank Greater focus on higher margin and faster growing businesses … … maintaining the leadership in the consumer finance segment.

  12. Consumer Finance Leading Consumer Finance Platform Consumer Finance Loan Portfolio (R$ Million) Leading Consumer Finance Platform 37.2% 5,908 4,305 Sep-04 Sep-05 • Fininvest: aggressive growth plan • Leveraging Alliances and Joint Ventures • Cross Selling focus: Credit Cards, Banking Accounts, Capitalization, Insurance and Extended Warranty

  13. Credit Cards

  14. SMEs & Auto Financing

  15. Improved Funding Mix • Main actions: • Development of alternative sources of funding such as SuperPoupe • Link individual variable compensation at branch level to Core Deposits • Focus on cash management services, such as Payroll and Collection

  16. Cost Reduction Main Actions • Consolidation of back-office & supporting units; • Establishment of a single corporate communication area; • Outsourcing of non-core functions; • Joint procurement with other banks; • Reduction of labor settlement costs; • June 2005: All-time high historical motivation rate.

  17. Loan Portfolio Mix Migrating to higher margin segments with credit expansion focused on consumer finance and SMEs

  18. Client Base Client base evolution driven by both acquisitions and organic growth

  19. Performance Evolution: 9M05 9M05 / 9M04 +46.4% Net Income R$1,329 million Operating IncomeR$2,158 million +51.1%

  20. Financial Performance

  21. Income Statement 9M04 9M05 R$ Million Profit from Financial Intermediation 4,607 3,673 (+) Fees from Services Rendered 2,430 2,390 (-) Personnel & Adm. Expenses (3,741) (3,693) (+/-) Other Operating Income/ Expenses (1,138) (942) (=) Operating Income 2,158 1,428 (+/-) Non-Operating Income 4 1 (+/-) Income Tax and Social Contribution (464) (238) 24% 19% (Effective Income Tax Rate) (-) Profit Sharing/ Minority Interest (369) (283) 1,329 908 Net Income

  22. Financial Highlights

  23. Performance Ratios

  24. Loan Portfolio Growth– Individuals / Corporate

  25. Credit Ratios

  26. Financial Margin Financial margin has consistently increased over the last quarters

  27. Fees From Services Rendered Excluding Credicard in 9M04 for comparison purposes R$ million D% 9M05 9M04 Y-o-Y Banking fees and other fees and commissions 1,363 1,217 12% Credit cards (excluding Credicard in 9M04) 762 593 28% Asset management fees 305 287 6% Total 2,430 2,097 14%

  28. Insurance and Private Pension Plans R$ million 3Q05 2Q05 9M05 9M04 Net Premium Written + 1,095 1,033 3,161 2,982 Pension Plan Revenues 81 84 241 224 Net Income 99.5% 100.0% 99.3% 99.3% Combined Ratio Extended Combined Ratio 86.3% 86.4% 85.8% 87.4% Technical Reserves 30.8% 6,678 6,273 1.703 1.424 5,106 1.067 4.975 4.849 4.039 3Q04 2Q05 3Q05 Private Pension Insurance

  29. Annex I: New Brand & New Marketing Campaign

  30. Renewed Brand - 2005

  31. Annex II: Dividends

  32. Dividend History • Unibanco has paid semi-annual dividends for more than 3 decades • In 2005, it started to pay quarterly dividends

  33. Annex III: Ratings

  34. Unibanco Ratings

  35. Annex IV: Recent Events

  36. Perpetual Securities • Perpetual Securities – US$500 million Issuing of Perpetual Securities in July, 2005: US$500 million Coupon: 8.70% p.a. Rating: Ba2 by Moody's Investors Service, Inc. Investors: approximately 875 investors, specially from Asia and private banks. Roadshow: Singapore, Hong Kong, Geneva and London. 100% of the investors visited during the road show were part of the book The issuance of perpetual securities, if consolidated in June, 2005, would have made the BIS ratio to increase to approximately 18%.

  37. Global Public Offering of Units e GDSs

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