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Banco do Brasil 1Q09

Banco do Brasil 1Q09. 18.0. 13.8. 13.3. 11.3. 11.3. 5.9. 5.7. 5.6. 4.5. 3.1. 2005. 2006. 2007. 2008. 1Q09. Selic Interest Rate. IPCA - Price Index. Economic Environment. Ratio - %. 425. 416. 305. 222. 193. 206.8. 202.4. 180.3. 85.8. 53.8. 46.1. 44.7. 40.0. 24.7.

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Banco do Brasil 1Q09

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  1. Banco do Brasil 1Q09

  2. 18.0 13.8 13.3 11.3 11.3 5.9 5.7 5.6 4.5 3.1 2005 2006 2007 2008 1Q09 Selic Interest Rate IPCA - Price Index Economic Environment Ratio - %

  3. 425 416 305 222 193 206.8 202.4 180.3 85.8 53.8 46.1 44.7 40.0 24.7 3.0 Sovereign Risk - basis points International Reserves Volume Trade Balance Economic Environment US$ billion 2005 2006 2007 2008 1Q09

  4. 42.5 41.3 34.7 31.2 30.7 54.7 53.3 52.2 52.8 51.9 48.1 47.8 47.2 46.7 45.3 2006 2007 2008 2005 1Q09 Banking Industry Loan Segments - Free Resources % Businesses Individuals Loan / GDP - % Source: Brazilian Central Bank

  5. 12.6 13.1 14.3 14.3 15.3 20.4 25.1 26.8 28.9 29.1 32.7 33.1 34.0 29.9 29.0 32.6 28.7 26.9 26.6 26.5 1Q09 2005 2006 2007 2008 Loan Segments Individual Loan Segments¹ - % Others Payroll Loan Vehicles Credit Cards / Overdraft Account ¹ Referential Credito to Tax Rate Source: Brazilian Central Bank

  6. Shareholders General Meeting Board of Auditors Board of Directors Audit Committee Internal Audit Board of Officers CEO VP of International Business and Wholesale VP of Cards and New Retail Business VP of Retail and Distribution VP of Agribusiness VP of Government VP of Finance. Capital Markets and IR VP of Technology and Logistics VP of Human Resources and Social Environmentall Responsability VP of Credit. Controlling and Risk Management Internal Controls Strategy and Organization Foreign Trade Cards Distribution and Retail Channels Agribusiness Government Finance Logistics Human Resources Controlling Security Management Wholesale New Retail Business Retail Pension Fund Management Capital Markets and Investment Employee Relations and Social Env. Resp. Credit Technology Legal International Risk Management Insurance. Pension and Capitalization Micro and Small Enterprises Marketing and Communication Investor Relations Software Development Executive Secretariat Low Income Reestructuring of Operational Assets IT Infraestructure High Income Operational Support Accounting Units Directorships

  7. Multiple Bank National Treasury 54.33 % Previ 10.15 % BNDESPAR 2.49 % Individuals 5.78 % Businesses 5.36 % Foreign Capital 10.56 % Shares in Treasury 0.04 % C O N T R O LLED BB LEASING Co. LTD BB - 100% ON 100% Total BANCO POPULAR DO BRASIL BB -100% ON 100% Total BB CONSÓRCIOS BB - 100% ON 100% Total BAMB BB -100% ON 100% Total BB DTVM BB -100% ON 100% Total BB BI BB - 100% ON 100% Total COBRA BB-99.36% ON 99.35% Total BI-0.04% ON 0.04% Total BB LEASING BB - 100% ON 100% Total BB CORRETORA BB - 100%ON 100% Total ATIVOS S.A. BB BI - 49% ON 74.50 % Total BAMB - 51% ON 25.50% Total BB SECURITIES BAMB -100% ON 100% Total BB TURISMO BAMB - 99% ON BB Leasing - 1% ON 100% Total BB VIENA BB -100% ON 100% Total BB CARTÕES BB - 100% ON 100% Total BANCO DO BRASIL SECURITIES LLC BB - 100% ON 100% Total RELATED COMPANIES / PARTICIPATION B B B I B B Strategic Participation Non-Strategic Participation Other Participation Securities Group CADAM BB 56.19% PN 21.64% Total BRASILPREV BB-BI 49.99% ON 49.99% Total BRASILCAP BB-BI 49.99% ON 49.99% Total BRASIL VEÍCULOS BB-BI 40% ON 70% Total VISA VALE BB BI 35% ON 40.35% Total CIBRASEC BB-BI 9.09% ON 9.09% Total SBCE BB-BI 12.09% ON 12.09% Total VISANET BB BI 31.63% ON 31.63% Total BRASILSAÚDE BB-BI 49.92%ON 49.92% Total ALIANÇA DO BRASIL BBBI - 100%ON 100% Total TECBAN BB BI 8.96% ON 8.96% Total Non-strategic Participation ITAPEBI BB-BI 19% ON 19% Total PRONOR BB 1.77% PN 1.05% Total BB-BI 5.51% PN 3.27% Total BBDTVM 29.51% ON 12.02% Total KEPLER WEBER BB-BI 18.94% ON 17.65% Total BBDTVM 0.0245% ON 0.0228% Total NEOENERGIA BB-BI 8.81% ON 11.99% Total SPONSORED MANAGED FOUNDATION FBB CASSI PREVI BB PREVIDÊNCIA Closed Private Pension Entity

  8. Free float: 21.7% 11.1% 21.7 21.7 21.5 10.0 10.2 10.6 10.6% 14.8 7.2 2.5% 11.7 11.3 11.1 6.9 10.2% 3.4 7.6 65.6% 3.5 2005 2006 2007 2008 1Q09 Ownership Structure Participation Free Float - % National Treasure BNDESPar PREVI Foreign Investors Others

  9. 3.1 2.5 2.0 1.4 1.4 14.9 2005 2006 2007 2008 1Q09 8.7 8.1 5.3 4.3 2005 2006 2007 2008 1Q09 Share’s Performance Price / Book Value Price / Earnings

  10. 1.4 1.0 0.8 0.6 0.26 3.4 2005 2006 2007 2008 1Q09 2.4 2.0 1.7 0.65 2005 2006 2007 2008 1Q09 Share’s Performance Dividends and Interest on Own Capital / Share – R$ Earnings / Share – R$

  11. 140.6% 85.2% 77.3% 56.2% dec/04 dec/05 dec/06 dec/07 dec/08 mar/09 Banco do Brasil Ibovespa Bradesco Itaú Share’s Performance

  12. 3,521 32.5 32.1 2,418 2,023 26.8 1,498 22.5 43.5 75.3 8.8 939 23.8 666 58.7 52.8 6.0 43.3 5.1 37.7 4.2 33.7 2.3 1.7 2005 2006 2007 2008 1Q08 1Q09 2005 2006 2007 2008 1Q08 1Q09 Dividends and Interest on Own Capital - R$ million ROE - % Market Capitalization - R$ billion Net Income - R$ billion Profitability

  13. 30.9 29.9 24.3 20.8 5.6 5.4 16.8 4.9 4.3 4.6 11.7 11.7 10.9 10.7 10.4 2005 2006 2007 2008 1Q09 2005 2006 2007 2008 1Q09 Tier I Tier II Shareholder’s Equity - R$ billion Capital Structure Basel 17.3 17.1 15.6 15.2 15.0

  14. 591.9 521.3 20.5%1 18.1% 15.1% 14.8% 14.3% 367.2 296.4 253.0 2005 2006 2007 20082 1Q092 Assets CAGR: 29.9% Market Share % Assets² - R$ billion (¹) Until Dec/08 - Source: Brazilian Central Bank (²) Economic-Financial Consolidated

  15. 24.7%1 21.7% 19.8% 19.1% 19.6% 8.7 47.3 14.3 CAGR (%): 31.7 51.9 70.6 14.9 5.6 55.0 26.5 51.3 106.5 5.2 91.1 5.5 45.8 40.1 8.9 35.8 36.7 46.9 72.3 32.8 49.3 178.5 30.5 149.6 37.4 85.5 76.9 63.5 2005 2006 2007 2008 1Q09 Funding 411.5 362.0 R$ billion 260.6 208.1 168.2 Market Share - % Money Market Borrowing Saving Deposits Time Deposits Demand Deposits Others (¹) Until Dec/08 - Source: SFN

  16. 107.36% 83.87% 77.91% 68.04% 67.08% 46.76% Saving Deposits Total Deposits Time Deposits Money Market Borrowing Total Funding Judicial Deposits Funding Funding Cost - as % of Selic 100.0

  17. 18.3 241.9 17.1 16.5 224.8 16.0 14.7 15.3 15.1 CAGR (%): 30.5 64.3 160.7 63.7 15.7 11.4 133.2 19.9 12.2 101.8 51.9 101.8 34.8 9.2 45.1 97.2 35.7 44.7 65.5 51.9 38.5 61.1 48.8 32.0 18.4 24.0 2005 2006 2007 2008 1Q09 Individuals Agribusiness Market Share* - % Businesses Abroad Loan Portfolio R$ billion (*)Sep/08 - Domestic Portfolio

  18. 61.1 7.0 48.8 CAGR (%): 44.7 3.4 7.5 6.7 195.6 2.5 32.0 13.9 7.6 24.0 3.0 24.8 18.4 2.3 0.9 40.4 3.8 2.2 17.6 0.2 3.1 2.2 78.0 11.9 2.5 8.3 3.8 18.4 22.0 14.4 11.0 9.7 9.5 2005 2006 2007 2008 1Q09 Consumer Finance R$ billion Others Credit Card Vehicle Loans Payroll Loans Overdraft Account

  19. 101.7 97.2 CAGR (%): 34.8 37.4 34.9 31.3 65.5 37.1 51.9 24.6 38.5 18.3 64.3 15.4 62.3 40.9 33.6 23.1 2005 2006 2007 2008 1Q09 Middle and Corporate Enterprises SME Credit to Businesses R$ billion

  20. 64.3 63.7 51.9 18.0 18.5 CAGR (%): 19.8 45.1 11.7 46.2 8.5 35.8 13.7 5.3 46.3 45.2 40.2 36.6 30.5 2005 2006 2007 2008 1Q09 Credit to Agribusiness R$ billion Individuals Businesses

  21. 5.0 4.7 7.8 3.8 3.6 3.7 6.8 5.7 5.4 4.5 2005 2006 2007 2008 1Q09 Credit Risk Provision Expenses - R$ billion Provision Expenses/Loan Portfolio¹ - % (1) Average Loan Portfolio and Expenses in the last 12 months.

  22. Credit Risk 6.6 6.4 6.5 6.4 6.1 5.8 5.7 5.4 5.4 5.4 3.4 2.9 2.7 2.7 2.4 2.5 2.2 2.0 1.4 1.1 2005 2006 2007 2008 1Q09 Additional + Required Provision / Loan Portfolio - % Required Provision / Loan Portfolio - % Past Due Loans + 90 days / Loan Porfolio - % Losses¹ / Loan Portfolio - % (1) Net of Recovery

  23. 24.1 20.8 18.1 16.7 58.0 7.0 5.6 23.5 40.0 36.7 33.6 14.7 15.1 14.4 15.3 11.0 34.5 25.3 6.3 21.6 19.2 3.8 7.2 9.0 2005 2007 2008 1Q08 2006 1Q09 Net Interest Income R$ billion Loan Revenues Net Interest Income Other Interest Revenues

  24. 18.0 13.3 13.8 11.3 11.3 8.6 8.1 7.6 7.1 6.6 2005 2006 2007 2008 1Q09 Selic - % NIM¹ - % 30.1 28.7 25.4 21.0 20.5 8.1 8.4 7.2 6.9 6.7 5.9 6.3 5.5 6.0 5.1 2005 2006 2007 2008 1Q09 Agribusiness Businesses Individuals NIM Annualized NIM by Loan Portfolio - % (1) Annualized Net Interest Income over Earning Assets

  25. 47.5 48.1 46.2 45.3 44.7 43.3 34.0 30.9 28.9 15.4 14.3 13.7 9.5 8.2 4.1 3.7 2007 2008 Productivity R$ billion 27.3 13.1 2005 2006 1Q08 1Q09 Cost/Income Ratio without one-off Itens - % Administrative Expenses¹ Operating Income¹ (1) without one-off itens

  26. 150.8 131.9 127.7 124.5 112.9 102.3 10.5 9.9 8.9 8.5 7.9 7.8 7.6 7.5 2.9 2.9 2.2 1.9 2005 2006 2007 2008 1Q08 1Q09 Productivity R$ billion Coverage Ratio without one-off Itens - % Administrative Expenses¹ Fee Income¹ (1) without one-off itens

  27. 66.2 18.0 50.5 14.5 38.6 30.3 CAGR (%): 15.4 36.7 9.0 25.7 25.7 22.4 21.3 14.1 9.3 52.9 52.7 48.2 47.2 41.7 40.0 2005 2006 2007 2008 1Q08 1Q09 Credit and Debit Cards 78.6 78.4 70.6 68.5 55.8 49.3 Revenues – R$ billion Debit Cards Issued - million Credit Cards Issued - million

  28. 1Q09 32,2 28,5 30.6 28.7 1.9 CAGR (%): 7.2 2008 28,5 26,7 30.4 28.5 1.9 7.1 2007 25,7 25,0 27.4 25.7 1.7 7.2 2006 24,2 23,0 25.7 24.2 1.6 2005 23,0 20,8 24.4 23.0 1.5 89.5 1Q09 2008 89.0 2007 81.9 2006 82.7 2005 83.8 Structure Checking Accounts - million Individuals Businesses Employees - thousand

  29. 1Q09 16.2 11.9 4.4 2008 11.6 4.3 16.0 2007 11.3 4.0 15.3 2006 11.1 4.0 15.1 2005 10.9 3.9 14.8 1Q09 91.3 91.1 2008 91.3 2007 90.0 2006 89.2 2005 Structure Points of Service - thousand Others Branches Transaction in Automated Channels - %

  30. Structure Distribution Network by Customer North Retail 239 Wholesale 2 Government 7 High Income 2 5.7% Northeast Retail 995 Wholesale 7 Government 9 High Income 10 23.9% 9.4% Midwest Retail 391 Wholesale 5 Government 5 High Income 10 35.6% Southeast Retail 1.483 Wholesale 46 Government 5 High Income 47 South 25.4% Retail 1.057 Wholesale 22 Government 3 High Income 9

  31. 1Q09 8.7 2008 8.6 2007 8.5 2006 8.2 2003 7.9 6.3 5.6 9.2 9.5 ATM 9.5 Internet Individuals 8.7 40.7 40.5 Internet Businesses 19.3 Cash 18.4 POS 16.0 16.3 Others Structure Internet Banking – million of customers Transactions per Channels - % 1Q09 1Q08

  32. 259.3 246.3 220.1 182.7 153.5 2005 2006 2007 2008 1Q09 Asset Management Client Profile Foreign Investors R$ billion Wholesale 5.0% 9.3% Institutional Investors Government 40.6% 21.9% Retail 23.1% Investment Profile Others 13.6% CAGR: 17.5% Equities Fixed Income 17.4% 51.6% Multi-strategy 17.4%

  33. 1,511 1,209 1,130 889 371 302 1Q09 2005 2006 2007 2008 1Q08 Insurance - Added Value R$ million CAGR: 17.7%

  34. 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 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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