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Banco do Brasil 4Q08

Banco do Brasil 4Q08. Economic Environment. Ratio - %. 18.0. 17.8. 13.8. 13.3. 11.3. 7.6. 5.7. 5.9. 4.5. 3.1. 2004. 2005. 2006. 2007. 2008. Selic Interest Rate. IPCA - Price Index. Economic Environment. US$ billion. 416. 383. 305. 222. 193. 206.8. 180.3. 85.8.

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Banco do Brasil 4Q08

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  1. Banco do Brasil 4Q08

  2. Economic Environment Ratio - % 18.0 17.8 13.8 13.3 11.3 7.6 5.7 5.9 4.5 3.1 2004 2005 2006 2007 2008 Selic Interest Rate IPCA - Price Index

  3. Economic Environment US$ billion 416 383 305 222 193 206.8 180.3 85.8 53.8 52.9 46.5 44.9 40.0 33.8 24.7 2004 2005 2006 2007 2008 Sovereign Risk - basis points International Reserves Volume Trade Balance

  4. Banking Industry 41.3 Loan Segments - Free Resources % 34.7 31.2 30.7 26.9 56.4 52.8 52.2 54.7 51.9 47.8 48.1 47.2 45.3 43.6 2005 2006 2007 2004 2008 Businesses Individuals Loan / GDP - % Source: Brazilian Central Bank

  5. 9.5 10.6 11.7 13.0 12.4 16.6 20.4 20.2 27.5 26.6 25.7 26.7 47.2 45.1 44.5 42.5 2004 2005 2006 2007 2008 Loan Segments Individual Loan Segments - % Others Payroll Loan Vehicles Credit Cards / Overdraft Account 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. Banco Múltiplo National Treasury 65.60 % Previ 10.37 % BNDESPAR 2.49 % Individuals 5.77 % Businesses 4.47 % Foreign Capital 11.26 % 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. 21.7 21.5 10.0 10.2 14.8 7.2 6.9 6.8 10.0 11.7 11.3 2.8 3.4 7.6 4.0 3.5 2004 2005 2006 2007 2008 Ownership Structure Participation Free Float - % Free float: 21.5% 10.2% 11.3% 2.5% 10.4% 65.6% National Treasure BNDESPar PREVI Foreign Investors Others

  9. 3.1 2.5 2.0 1.8 1.4 2004 2005 2006 2007 2008 14.9 8.7 8.6 8.1 4.3 2004 2005 2006 2007 2008 Share’s Performance Price / Book Value Price / Earnings

  10. 1.4 1.0 0.8 0.6 0.4 3.4 2005 2004 2006 2007 2008 2.4 2.0 1.7 1.3 2004 2005 2006 2007 2008 Share’s Performance Dividends and Interest on Own Capital / Share – R$ Earnings / Share – R$

  11. Share’s Performance 212.2% 181.7% 162.7% 133.6% 68.9% dec/03 dec/04 dec/05 dec/06 dec/07 dec/08 Banco do Brasil Unibanco Ibovespa Bradesco Itaú

  12. 8.8 75.3 6.0 52.8 5.1 4.2 37.7 33.7 3.0 26.0 2004 2005 2006 2007 2008 2004 2005 2006 2007 2008 Profitability 32.5 32.1 3.521 26.8 2.418 2.023 23.0 22.5 1.498 954 Dividends and Interest on Own Capital - R$ million ROE - % Market Capitalization - R$ billion Net Income - R$ billion

  13. Capital Structure Basel¹ 29.9 24.3 17.3 17.1 15.6 15.6 20.8 15.2 5.6 5.4 16.9 4.9 4.9 4.6 14.1 10.6 11.7 10.7 11.7 10.7 11.0 2004 2005 2006 2007 2008 2004 2005 2006 2007 2008 Tier I Tier II Shareholder’s Equity - R$ billion (1) Basel II since 3Q08

  14. 521.3 366.9 296.4 253.0 239.0 2005 2006 2007 2008 Assets 19.0*% 16.5% 15.1% 14.8% 14.8% CAGR: 21.5% 2004 Market Share % Assets** - R$ billion (*) Until Sep/08 - Source: Brazilian Central Bank (**) Economic-Financial Consolidated

  15. Funding 20.9 19.9* 19.8 19.6 19.1 362.6 14.3 260.6 R$ billion 52.0 5.6 CAGR (%): 22.7 208.1 45.8 55.0 25.3 5.2 168.2 160.1 36.7 51.3 13.7 5.5 91.4 5.8 32.8 40.1 31.1 17.4 72.3 35.8 29.0 49.3 19.7 30.5 44.5 149.8 31.8 85.5 76.9 63.5 49.7 2004 2005 2006 2007 2008 Market Share - % Money Market Borrowing Saving Deposits Time Deposits Demand Deposits Others (*) Sep/08

  16. Funding Funding Cost - as % of Selic 100.0 91.60 72.74 68.98 69.49 64.69 43.78 Saving Deposits Total Deposits Time Deposits Money Market Borrowing Total Funding Judicial Deposits

  17. 224.8 15.1 160.8 63.7 11.4 133.2 12.2 101.8 51.9 88.5 9.2 45.1 97.2 9.0 35.7 65.5 30.0 51.9 38.5 33.4 48.8 32.0 24.0 18.4 16.1 2005 2006 2007 2008 2004 Loan Portfolio 15.9 16.5 16.0 17.1* 15.3 CAGR (%): 26.2 R$ billion 13.8 20.7 30.6 32.0 Individuals Agribusiness Market Share* - % Businesses Abroad (*)Sep/08 - Domestic Portfolio

  18. 48.8 6.7 2.5 32.0 7.6 24.0 3.0 2.3 0.9 18.4 2.2 3.8 16.1 0.2 3.1 17.6 2.2 0.3 2.3 2.5 11.9 8.3 2.0 3.8 1.5 10.5 10.0 9.7 9.5 8.2 2004 2005 2006 2007 2008 Consumer Finance R$ billion CAGR (%): 32.0 117.3 1.3 39.7 85.9 1.4 Others Credit Card Vehicle Loans Payroll Loans Overdraft Account

  19. Credit to Businesses R$ billion 97.2 CAGR (%): 30.6 34.9 65.5 27.6 51.9 32.5 24.6 38.5 18.3 33.4 62.3 15.4 13.2 40.9 33.6 23.1 20.2 2004 2005 2006 2007 2008 Middle and Corporate Enterprises SME

  20. 51.9 45.1 11.7 8.5 35.8 30.1 5.3 4.2 40.2 36.6 30.5 25.9 2004 2005 2006 2007 Credit to Agribusiness R$ billion 63.7 18.5 CAGR (%): 20.6 44.9 14.9 45.2 2008 Individuals Businesses

  21. 6.8 5.7 5.4 4.5 3.5 2004 2005 2006 2007 2008 Credit Risk 5.0 4.7 4.3 3.7 3.6 Provision Expenses - R$ billion Provision Expenses/Loan Portfolio¹ - % (1) Average Loan Portfolio and Expenses in the last 12 months.

  22. Credit Risk 6.6 6.5 6.4 6.1 6.1 5.6 5.4 5.8 5.4 5.4 5.4 5.1 5.0 4.7 3.5 3.4 3.0 2.9 2.8 2.7 3.3 2.4 2.5 2.1 2.0 1.6 1.4 1.1 2002 2003 2004 2005 2006 2007 2008 Additional + Required Provision / Loan Portfolio - % Required Provision / Loan Portfolio - % Past Due Loans + 90 days¹ / Loan Porfolio - % Losses² / Loan Portfolio - % (1) Information from 2002 and 2003 refers to Past Due Loans + 60 days (2) Net of Recovery

  23. Net Interest Income R$ billion 24.1 20.8 18.1 16.7 15.7 58.0 23.5 40.0 36.7 33.6 31.3 14.7 15.1 14.4 14.2 34.5 25.3 21.6 19.2 17.1 2004 2005 2006 2007 2008 Loan Revenues Net Interest Income Other Interest Revenues

  24. NIM 13.75 13.75 12.25 11.25 11.25 7.8 7.3 7.3 7.2 7.2 4Q08 4Q07 1Q08 2Q08 3Q08 Selic - % NIM¹ - % Annualized NIM by Loan Portfolio - % 26.6 24.1 23.4 22.0 21.6 7.3 6.9 6.9 6.6 6.5 5.8 5.6 5.2 5.0 4.9 4Q07 1Q08 2Q08 3Q08 4Q08 Agribusiness Businesses Individuals (1) Annualized Net Interest Income over Earning Assets

  25. 34.0 30.9 28.9 27.3 23.2 15.4 13.7 14.3 13.1 12.6 2004 2005 2006 2007 2008 Productivity 51.4 45.3 54.2 48.1 47.5 46.2 41.9 R$ billion Efficiency Ratio - % Efficiency Ratio without one-off Itens - % Administrative Expenses¹ Operating Income¹ (1) without one-off itens

  26. 10.5 9.9 8.5 7.8 8.9 7.9 7.6 7.5 7.1 6.6 2004 2005 2006 2007 2008 Productivity 127.7 124.5 112.9 121.7 102.3 93.1 108.1 R$ billion Efficiency Ratio - % Efficiency Ratio without one-off Itens - % Administrative Expenses¹ Operating Income¹ (1) without one-off itens

  27. 76.6 67.4 55.8 23.9 20.2 49.3 14.1 41.3 9.3 6.9 52.7 47.2 41.7 40.0 34.4 2004 2005 2006 2007 2008 Credit and Debit Cards 64.3 49.1 37.9 31.6 24.3 CAGR (%): 16.7 36.4 11.3 Revenues – R$ billion Debit Cards Issued - million Credit Cards Issued - million

  28. 2007 81.9 2006 82.7 2005 83.8 2004 79.7 Structure Customers* - million 2008 30.4 28.5 1.9 CAGR (%): 8.3 2007 26.7 1.7 27.4 8.2 2006 25.0 1.6 25.7 7.9 2005 23.0 1.5 24.4 2004 20.8 1.4 22.1 Individuals Businesses Employees - thousand 2008 89.0 (*) Including BESC since Sep/08

  29. 11.3 2007 15.3 4.0 11.1 2006 15.1 4.0 2005 10.9 14.8 3.9 10.7 2004 14.5 3.7 2006 90.0 2005 89.2 2004 88.4 Structure Points of Service* - thousand 2008 11.6 16.0 4.3 Others Branches Transaction in Automated Channels - % 2008 91.1 2007 91.3 (*) Including BESC since Sep/08

  30. Structure Distribution Network by Customer 5.7% Northeast North Retail 993 Wholesale 7 Government 9 High Income 10 Retail 235 Wholesale 2 Government 7 High Income 2 23.5% 9.4% Midwest Retail 386 Wholesale 5 Government 5 High Income 10 36.4% Southeast Retail 1.482 Wholesale 48 Government 5 High Income 46 South 25.1% Retail 1.056 Wholesale 22 Government 3 High Income 9

  31. Structure Internet Banking – million of customers 2008 8.6 2007 8.5 2006 8.2 2005 7.9 2004 6.9 Transactions per Channels - % ATM 6.1 4.4 9.9 10.9 Internet Individuals 8.7 40.6 Internet Businesses 8.9 45.6 Cash 18.1 POS 19.3 14.3 13.3 Others

  32. 220.1 182.7 153.5 124.0 2004 2005 2006 2007 Asset Management Client Profile 246.3 Foreign Investors R$ billion Wholesale 5.0% 9.6% Institutional Investors Government 41.6% 20.0% Retail 23.7% Investment Profile Others 13.9% CAGR: 18.7% Equities Fixed Income 16.2% 51.0% 2008 Multi-strategy 19.0%

  33. 1.511 1.209 1.130 889 720 2004 2005 2006 2007 2008 Insurance - Added Value R$ million CAGR: 20.4%

  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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