1

Banco do Banco do BrasilBrasil

2Q102Q10

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DisclaimerDisclaimer

The tables and charts in this presentation show the financial numbers, rounded, in

R$ millions. The columns of changes and the totalizers use the financial figures as

basis, not the rounded numbers in R$ millions. The used roundings follows the rules

established by Resolution 886/66 of IBGE: If the last digit is more or equal than 5, it

increases by one unit the last digit to stay; if the last figure is less than 5, the last

digit to stay remains unchanged. The variations in both percentage and nominal,

were calculated using numbers in units.

3

Price Index IPCA¹ - % Interest Rate Selic² - %

Total Payroll Index³

(3) Basis 100 May/2002Source: IBGE

Unemployment4 - %

(4) 12 months averageSource: IBGE

Economic EnvironmentEconomic Environment

(1) 12 monthsSorce: IBGE

(2) End of PeriodSource: Central Bank

3.1

4.5

5.9

4.3

3.1

2006 2007 2008 2009 1H10

13.25

11.25

13.75

8.7510.25

2006 2007 2008 2009 1H10

107.5 112.8 120.6 123.2 126.1

2006 2007 2008 2009 1H10

10.0 9.37.9 8.1 7.5

2006 2007 2008 2009 1H10

4

43.049.4 50.0

59.965.5

86.8100.3

112.3105.5 107.0

2006 2007 2008 2009 1H10

Banking IndustryBanking Industry

Banking Industry Loan Portfolio - R$ trillion Banking Industry Loan Operations¹ - R$ billion

Credit RiskConsumer Loans² - R$ billion

Allowance / Portfolio - %

Loan/GDP - % Public Private

Mortgage PayrollVehicle

Past Due Loan + 90 dias / Loan Portfolio - %(1) Loan as reference for interest rate – Contracted amount(2) Free Resources. Source: Central Bank

BusinessesIndividuals

0.3 0.3 0.4 0.6 0.6

0.6 0.60.8

0.8 0.9

30.2 33.439.7

45.0 45.7

2006 2007 2008 2009 Jun/10

6.25.5 5.3

7.2

6.2

3.73.2 3.2

4.43.7

2006 2007 2008 2009 Jun/10

35.7 45.8 63.3 91.9 111.648.164.7

78.9106.2

123.4

77.4111.6

139.1

157.1167.3

2006 2007 2008 2009 Jun/10

5

Board of Officers

Internal Audit

Board of Directors

Shareholders General Meeting

Board of Auditors

Directorships

Audit Committee

CEO

VP of International

Businessand Wholesale

Foreign Trade

Commercial

International

VP ofRetail Business

VP ofRetail and

Distribution

VP ofAgribusiness

VP ofGovernment

VP ofFinance,

Capital Marketsand IR

VP of Technology and Logistics

VP ofPeople Management

and Sustainable Development

VP of Credit,

Controllershipand Global Risk

Cards

Loans and Financing

Insurance,Pension Plans and

Capitalization

Distribution

High Income

Agribusiness Government

Pension Fund Management

Finance

Capital Markets

and Investments

Investor Relations

Logistics

Technology

SoftwareDevelopment

IT Infrastructure

OperationalSupport

People Management

Relations with Employees and

Sponsored Entities

Controllership

Credit

RiskManagement

Restructuringof Operational

Assets

Accounting

Internal Controls

Strategyand

Organization

SecurityManagement

Legal

Marketing andCommunication

ExecutiveSecretariat

Units

Micro and Small

Enterprises

Retail

Distribution Network Management

Position: June 30, 2010

Sustainable Development

São Paulo Distribution

6Position on June 30, 2010

COBRABB - 99.88% ON

99.94% TotalBI - 0.007% ON

0.003% Total

BB LEASING

BB - 100% ON 100% Total

BBCARTÕES

BB - 100% ON 100% Total

BB LEASING Co. LTD

BB - 100% ON 100% Total

BB DTVM

BB -100% ON 100% Total

BBCORRETORABB – 100%ON

100% Total

BAMBBB -100% ON

100% Total

BBCONSÓRCIOS

BB - 100% ON 100% Total

BANCO DO BRASIL

SECURITIES LLC BB - 100% ON

100% TotalBB

SECURITIESBAMB -100% ON

100% Total

BB TURISMO BAMB - 99% ONBB Leasing - 1% ON

100% Total

ATIVOS S.A. BB BI - 49% ON

74.50 % TotalBAMB - 51% ON 25.50% Total

BANCO DO BRASIL

M A N A G E D

BB PREVIDÊNCIA Private Pension Entity

S P O N S O R E D

CASSI PREVIFBB

CONTROLLED

F O U N D A T I O N

Banco do Brasil S.A.National Treasury 57.7358% Investments Guarantee Fund 0.2918% Shares in Treasury 0.0451% Previ 10.3720% Caixa FGHAB Investment Fund 0.0652% Export Guarantee Fund 5.4244% Individuals 5.0110%BNDESPar 2.4285% Companies 3.9003%Caixa FI Garantia Const. Naval 1.7511% Foreign Capital 12.9748%

BANCO VOTORANTIM

BB 49.99% ON 50% Total

BB BIBB - 100% ON

100% Total

BRASILPREV

BB Seguros 49.99% ON

100% PN 74.99% Total

BRASILSAÚDE

BB Seguros 49.92% ON 49.92% Total

BRASILCAP

BB Seguros 49.99% ON 49.99% Total

BRASIL VEÍCULOS

BB Seguros 40% ON 70% Total

Strategic Interest

Insurance GroupInsurance Group

BB SEGUROS

BB SEGUROS PARTICIPAÇÕES

BB – 100% ON 100%Total

CADAM

BB 56.19% PN 21.64% Total

Participação Não Estratégica

Participações Estratégicas

RELATED COMPANIES / SHARES

NOSSA CAIXA ADM. DE CARTÕES

BB – 100% ON 100% Total

CIBRASEC

BB-BI 9.09% ON 9.09% Total

BB 3.03% ON 3.03 % Total

CIELO

BB BI 23.54% ON 23.54% Total

CBSS

BB BI 35.00% ON

40.35% Total

TECBAN

BB BI 13.53% ON 13.53% Total

Other Interest

Aliança do Brasil

BB Aliança 100% ON 100% Total

BB BI

BB ALIANÇA

NOSSA CAIXA CAPITALIZAÇÃO

BB – 100% ON 100% Total

BB ALIANÇAPARTICIPAÇÕES

BB – 100% ON 100%Total

CADAM

BB 56.19% PN 21.64% Total

Non-strategic Interest

Strategic Interest

BANCO VOTORANTIM BV PARTICIPAÇÕES

BB 49.99% ON 50% Total

MAPFRE NOSSA CAIXA

BB 49% ON 49% TotalEBP

BB BI 11.11% ON 11.11% Total

BB USA HOLDING COMPANY, INC.

BB AGViena-100%ON 100% Total

BB MONEY TRANSFERS, INC.

BB USA HoldCo-100% ON

100% Total

BANCO DO BRASIL AG

VIENABB -100% ON

100% Total

ITAPEBI

BB-BI 19% ON 19% Total

KEPLER WEBER

BB-BI 17.57% ON 17.55% TotalBBDTVM 0.02% ON 0.02% Total

PRONORBB 1.77% PN 1.05% TotalBB-BI 5.51% PN 3.27% TotalBBDTVM 29.51% ON 12.02% Total

NEOENERGIA

BB-BI 8.81% ON 8.81% Total

Non-strategic InterestStrategic Interest

SBCE

BB-BI 12.09% ON 12.09% Total

BESCVAL

BB – 99.62% ON 99.62% Total

FUSESC SIM PREVBEP ECONOMUS

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Ownership StructureOwnership Structure

59.2

14.0

16.5

10.4

Shareholding Breakdown Free Float¹ - %

7.210.0 11.3 11.8

16.57.6

11.7 10.2 10.0

14.0

2006 2007 2008 2009 Jul/10

14.8

21.5 21.8

30.4

21.7

Foreign InvestorsFederal Government

PREVI Other

Free float¹: 30.4%

(1) After the public offering carried out on June 2010.

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Share’s PerformanceShare’s Performance

2.53.1

1.3

2.11.6

2006 2007 2008 2009 1H10

1.00.8

1.41.6

0.8

2006 2007 2008 2009 1H10

2.52.0

3.44.0

2.0

2006 2007 2008 2009 1H10

8.6

14.9

4.37.5

5.6

2006 2007 2008 2009 1H10

Dividends and Interest onOwn Capital / Share – R$

Price / Book Value

Price / Earnings¹Earnings / Share – R$

(1) Profit in 12 months

9

Share’s PerformaceShare’s Performace

138%

58%

81%82%

-17%-50%

0%

50%

100%

150%

200%

250%

300%

jan/2006 jan/2007 jan/2008 jan/2009 jan/2010

BBAS3 BBDC4 ITUB4 IBOV SANB11

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ProfitabilityProfitability

6.05.1

8.8

10.1

4.05.1

28.727.430.732.5

26.932.1

2006 2007 2008 2009 1H09 1H10

52.8

75.3

37.7

76.3

54.4

63.3

2.12.4 2.0 3.5 4.11.6

2006 2007 2008 2009 1H09 1H10

Net Income – R$ billion

ROE - %

Market Capitalization – R$ billion

Dividends and Interest on Own Capital – R$ billion

11

AssetsAssets

296.4367.2

521.3

708.5755.7

16.8 15.617.2

22.0 21.5

2006 2007 2008 2009 Jun/10

CAGR = 30.7%CAGR = 30.7%

Market Share¹ - % Assets – R$ billion

(1) Source: Central Bank of Brazil

12

5.64.9 4.3

4.04.1

8.89.710.910.711.7

2006 2007 2008 2009 Jun/10

Capital StructureCapital Structure

20.8

24.3

29.9

36.139.3

2006 2007 2008 2009 Jun/10

17.3

15.213.7

12.8

15.6

Basel

Tier IITier IShareholder’s Equity – R$ billion

13

76.9 85.5149.6

193.5 192.749.372.3

91.1

160.8 166.6

36.745.8

55.0

75.7 81.5

40.1

51.3

51.9

56.5 59.0

5.2

5.6

14.3

11.8 10.7

2006 2007 2008 2009 Jun/10

FundingFunding

208.1

362.0

498.4 510.6

260.6

R$ billion

Demand Deposits

Money Market Borrowing Saving Deposits

OtherTime Deposits

CAGR (%): 29.2

11.7

41.6

25.6

23.0

30.0

BV and BNC are included since 2009

14

24.0 32.0 48.891.8 101.151.9

65.5

97.2

125.3135.6

45.151.9

63.7

66.470.3

19.517.3

15.1

11.412.2

2006 2007 2008 2009 Jun/10

16.5 16.0 17.120.1 20.1

Loan Portfolio¹Loan Portfolio¹

Businesses AgribusinessIndividuals AbroadMarket Share² - %

(1) Loan Portfolio considering BV since 2009(2) Domestic Loan Portfolio

133.2

224.8

300.8325.5

160.7

R$ billion CAGR (%): 29.2

13.6

50.8

31.6

14.4

15

8.3 11.9 17.6

36.5 40.59.9

11.014.4

21.223.2

2.83.8

7.6

9.39.3

20.722.8

2.43.2

6.7

3.00.9

2.5

2.32.1

2.11.5

2006 2007 2008 2009 Jun/10

Loans to IndividualsLoans to Individuals

Overdraft Accont

MortgageVehicle Loan

Credit Card

Other

Payroll Loans

24.0

48.8

91.8101.1

32.0

BV and BNC are included since 2009

R$ billionCAGR (%): 50.8

40.6

31.7

57.4

150.3

12.6

16

Loans to CompaniesLoans to Companies

33.6 40.962.3

80.4 88.218.324.6

34.9

44.947.4

2006 2007 2008 2009 Jun/10

51.9

97.2

125.3135.6

65.5

SMEMiddle and Corporate Companies

BV and BNC are included since 2009

R$ billion

CAGR (%): 31.6

31.2

31.8

17

36.6 40.245.2 47.3 47.8

8.511.7

18.5 19.2 22.5

2006 2007 2008 2009 Jun/10

Loans to AgribusinessLoans to Agribusiness

R$ billion

45.1

63.766.4

70.3

51.9

BusinessesIndividuals

CAGR (%): 13.6

8.0

32.0

18

Without insuranceWith insurance

Crop Insurance Breakdown - %Working Capital (R$ billion)

61.2%

73.4%

71.8%

36.1%

73.8%Reinsurance

IRB24%

Partner RE15%

Swiss RE15%

Scor RE15%

Hannover RE3%

Catlin RE3%

Münchener Rück do Brasil

10%

Demais10%

Mapfre RE4%

Everest RE1%

Loans to AgribusinessLoans to Agribusiness

11.6 15.5 14.9

61%62%50%

39%38%50%

Crop 2007/2008 Crop 2008/2009 Crop 2009/2010

R$ million Working Capital Crop 2009/2010

% Insured

Soy 4,630 83.3Corn 2,801 78.3Rice 998 78.2Wheat 547 88.6Other 5,886 29.1Total 14,862 60.7

Other

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(1) Average Loan Portfolio and 12 months expenses(2) Without one-off items(3) Net of credit recovery

Required and Additional Provision / Loan Portfolio - %

Past Due Loans + 90 days / Loan Portfolio - %

Provision Expenses² - R$ million

Provision Expenses / Loan Portfolio¹ - %

Annualized Net Loss³ / Loan Portfolio - %

Credit RiskCredit Risk

5,743 5,3806,800

11,6299,241

11,864

4.1

5.0

3.7 3.6

4.64.2

2006 2007 2008 2009 Jun/09 Jun/10

5.56.26.1

6.46.5

2.73.32.42.72.5

2.52.2

1.51.42.3

2006 2007 2008 2009 Jun/10

20

Net Interest IncomeNet Interest Income

21.6 25.334.5

41.7

19.125.5

15.114.7

23.9

23.6

12.2

12.6

2006 2007 2008 2009 1H09 1H10

18.120.8

24.5

33.1

15.518.8

R$ billion

36.7

58.4

65.3

31.3

40.0

Other Interest Revenues Loans RevenuesNet Interest Income

38.1

21

NIM¹ - %

Cumulative Selic² - %

NIM¹/Cumulative Selic² - %

NIM by Product NIM vs. Selic

Agribusiness - %

Businesses - %

Individuals - %

(1) Net Interest Income / Earning Assets(2) Annualized

NIMNIM

28.725.4

21.018.7

5.5 6.3 5.1 5.3 5.8

17.4

8.1 6.9 6.7 7.2 6.4

2006 2007 2008 2009 1H10

53.764.0 67.0

8.1 7.6 7.0 6.7 6.4

73.2

55.8

15.1 11.9 12.5 9.9 8.8

2006 2007 2008 2009 1H10

22

13.7 14.3 16.119.7

9.111.5

28.930.9

35.2

48.4

21.526.3

43.542.140.7

45.646.247.5

2006 2007 2008 2009 1H09 1H10

ProductivityProductivity

Administrative Expenses1 Operating Income1

Cost / Income Ratio¹ - %

(1) Without one-off items

23

ProductivityProductivity

7.9 7.88.7

10.5

4.7

6.3

8.99.9

11.8

13.5

6.47.6

121.0112.9

127.7136.2

128.2134.7

2006 2007 2008 2009 1H09 1H10

Personnel Expenses1 Fee Income

Coverage Ratio¹ - %

(1) Without one-off items

24

41.7 47.2 52.7 59.3 57.0 57.5

14.121.3

25.428.0 27.2 28.8

49.537.9 50.1 66.2 88.6

39.2

2006 2007 2008 2009 1H09 1H10

Credit and Debit CardsCredit and Debit Cards

Credit Cards Issued - million Debit Cards Issued - million

Revenues – R$ billion

CAGR (%)

22.6

9.6

55.8

78.187.3 78.2

68.5

86.4

25

90.091.3 91.1

92.0 91.9

2006 2007 2008 2009 Jun/10

39.7 39.3 39.745.4 43.9

2006 2007 2008 2009 Jun/10

82.7 81.9 89.0104.0 106.2

2006 2007 2008 2009 Jun/10

StructureStructure

Employees - thousand Points of Service - thousand

ATM - thousand Transaction in Automated Channels - %

11.1 11.3 11.6 13.0 13.3

4.0 4.0 4.34.9 5.0

2006 2007 2008 2009 Jun/10

BranchesOther

15.1 16.017.9 18.3

15.3

26

StructureStructure

Northeast

Retail 1.018Wholesale 7Government 9Private Banking 12

Southeast

Retail 2.089Wholesale 48Government 6Private Banking 73

South

Retail 1004Wholesale 23Government 3Private Banking 10

Midwest

Retail 402Wholesale 5Government 5Private Banking 10

North

Retail 249Wholesale 2Government 7Private Banking 2

21.4%

43.9%

21.1%

5.2%

8.4%

27

StructureStructure

8.2

8.5

8.6

9.3

10.2

2006

2007

2008

2009

Jun/10

Internet Banking – million of customers

38.9

17.1

8.1

10.05.8

20.1

ATMInternet IndividualsInternet BusinessesCashPOSOther

38.7

18.6

8.9

8.85.9

19.1

2Q09 2Q10

Breakdown of transactions - %

28

Asset ManagementAsset Management

182.7

220.1246.3

306.7293.9

344.9

2006 2007 2008 2009 Jun/09 Jun/10

R$ billion

Institutional37.4%

Government25.9%

Foreign Investor

4.8%

Retail22.3%

Wholesale9.6%

Fixed Income58.2%

Multi-Strategy14.6%

Equities14.8%

Other12.4%

Customer Profile

Investment Profile

CAGR = 19.9%CAGR = 19.9%

29

282.0252.6 240.4

298.5 297.7

16.314.3 14.5

12.813.2

2Q09 3Q09 4Q09 1Q10 2Q10

21.223.7

25.824.0 25.5

2Q09 3Q09 4Q09 1Q10 2Q10

293.9 302.6 306.7 330.1 344.9

575.0536.7540.1531.5

506.4

2Q09 3Q09 4Q09 1Q10 2Q10

3.4 3.5 3.6 3.64.0

2Q09 3Q09 4Q09 1Q10 2Q10

Fee Income

Card Revenues

R$ billion

Insurance(1) Includes BV

Δ = 20.0%Δ = 20.0%

R$ billion

R$ million

Asset Management

Asset Management Fees¹ – R$ million

Insurance Ratio² - %

(2) Insurance Net Income / BB’s Recurring Net Income

R$ billion

Asset Management, cards and insurance businesses boost revenues.Asset Management, cards and insurance businesses boost revenues.

Δ = 15.1%Δ = 15.1%Δ = 17.3%Δ = 17.3%

Δ = 5.5%Δ = 5.5%

30

For futher information access bb.com.br/ir

Investor Relations UnitSBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor

70073-901 - Brasília (DF)Phone: (61) 3310 3980

Fax: (61) 3310 3735

bb.com.brri@bb.com.br