This presentation may include references and statements,

planned synergies, estimates, projections of results, and future

strategy for Banco do Brasil, its Associated and Affiliated

Companies, and Subsidiaries. Although these references and

statements reflect the management’s belief, they also involve

estimates and unforeseen risks. Consequently, results may

differ from those anticipated and discussed here. These

expectations are highly dependent on market conditions, on

Brazil’s economic and banking system performances, as well as

on international market conditions. Banco do Brasil is not

responsible for updating any estimate in this presentation.

Disclaimer

Paulo Caffarelli

Propósito BB

CET1

From 9.20%in mar/17

to 9.76% in

mar/18

what MATTERS toPEOPLE

Take care of

BB Purpose

ADJUSTED NET

INCOME ROE

Capital Market

ACC/ACE

Administrative

Expenses

Mortgage Payroll Agribusiness

+20.3%From 6.6% in 1Q16

in disbursements in disbursements in the Harvest

Plan

1Q18 vs 1Q17 Performance

Fee Income

Market

in contracted Amount

40% in 2018

CET1 Evolution

Mar/17

Mar/18

9.20

9.76

Between 30%

and 40%

Corporate Governance

RECENT IMPROVEMENTS

Appointment and

succession policy

Compensation and

Eligibility Committee

Risk and Capital Committee

DECISION MAKING

PROCESS

Structure of

committees

3 Advisory Committees

of the Board of Directors

14 Executive Committees

and 1 Superior CommitteeSegregation of

responsibilities

Risk

managementModel of

Defense Lines

Collegiate

Decision

Gender Equality Video

Thank you

+55 (11) 4298-8000

Av. Paulista, 1230

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Bela Vista

São Paulo – SP | Brazil

CEP 01310-100

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Credit Overview

42.0

184.7

185.7

263.2

675.6

Mar/18

42.7

180.1

185.1

280.8

688.7

Mar/17

Abroad

Agribusiness

Individuals

Companies

Loan Portfolio Expanded View

Credit

qualityimprovement

ALLL

ReductionDisbursements

Increase

BB’s Lending Process

ClientRisk

External Information

Internal Information

SCR

Behavioral

Customer File

Information

Customer

Limit Values

Risk

ApprovalLevels

CreditLimit

Income / Revenue

Risk / Portfolio

Guarantees

38.1%

25.7%

10.6%

23.0%

Individuals Organic Classified Loan Portfolio

Auto Loans2.6% +10.3%

22.5% Market Share

in Mar/18

Consolidated

with BB2018 target: reach R$ 2 billion in disbursements

1Q18: 53% of transactions

contracted via mobile

Growth Auto Loan

Portfolio

Other

Payroll

Mortgage

Salary loans

R$ 1.2 billion disbursed in mobile since launch

Increase

of credit lines

participation

with better

risk-adjusted

return.

Disbursements

+ 5.3% 1Q18/1Q17

1Q18/1Q17

Companies Loan Portfolio

157 specialized

branches

63% of disbursements

were in receivables

86.5% are customers

for more than 5 years

Small and Very

Small Companies

280.8

Mar/17

263.2

Mar/18

R$ billion

1Q18 Highlights

Disbursements by Region

13.0 %

19.6 %

45.1 %

5.8%

16.5 %

Midwest

Northeast

North

Southeast

South

Disbursements1Q18/1Q17 + 21.2%

Change in the mix

Shorter maturities

Receivables

Guarantees

More than 685 thousandcustomers with access to

specialized services

CAPITAL Market

MAIN TRANSACTIONS MILLION

ANBIMA Ranking

Capital Market Fees

R$ 228 millionin 1Q18

+34.2% on 1Q17

ForeignIssues1stPrivate Issuers

Apr/18

(until May/18) 16 Fixed

Income

Transactions

17.7% Market

Share

6 Foreign

Issues

100% Market

Share

DEBENTURES DEBENTURES DEBENTURES DEBENTURES

CRA CRI Debentures

ABS

US$ 600

SENIOR NOTES

US$ 350

R$ 600R$ 268R$ 600R$ 800

DEBENTURES SENIOR NOTES SENIOR NOTES

AT 1 SUB. NOTES ABS SENIOR NOTES

US$ 500US$ 1,000R$ 1,725

US$ 750US$ 1,000US$ 750

R$ 1,500R$ 663R$ 500 R$ 1,000Debentures

2nd Domestic FixedIncomeConsolidated Distribution

2nd Domestic FixedIncomeLong Term Distribution

Agribusiness

BEST IN CLASS

Banco do

Brasil is the Bank

of the Agribusiness

59.0 %Market Share in

Mar/18¹

15.3%

16.2%

68.5%

55.2

Crop 17/18

17.3%

20.7%

62.0%

49.8

Crop 16/17

Harvest Plan2017/2018 (1Q18) R$ billion

Medium Size Producers - Pronamp

Small Producers - Pronaf

Companies

More than

in

credit through

mobile in 2018

(1) Source: Brazilian Central Bank.

143.3%

153.6%7.35%

3.49%

Companies 5.76%

3.34% Individuals

Agribusiness

1.85%

1.39%

4.18%

Jun/17

3.80%

Mar/18

Coverage Ratio

Asset Quality

NPL+90 days Cost of Risk

3.65%

Mar/18

4.11%

Jun/17

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Av. Paulista, 1230

18th floor

Bela Vista

São Paulo – SP | Brazil

CEP 01310-100

www.bb.com.br/irir@bb.com.br

Strategy

and Results

Strategy and Results

6.6%12.4% 13.2% ROE

Profitability GROWTH

Ajusted Net Income(R$ billion)

1.29 2.51 3.03

1Q16 1Q17 1Q18

-0.2% Administrative

Expenses(1Q18/1Q17)

EFFICIENCY

Improvement

-26.3% ALLL

(1Q18/1Q17)

Operational

and credit

losses

CET1

Target of

11% in Jan/22

CAPITALAdequacy

Market

REDUCTION

Increase of FEE

Income

FOCUS

FOR THE YEAR

CREDIT GROWTH

CREDIT

PORTFOLIO MIX

PROFITABILITYOF PORTFOLIOS

R$ 6.2 billion

R$ 6.5 billion

1Q181Q17

Capital Market

Asset

Management

Consortium

Checking Account

+34.2%

+28.1%

+9.1%

+9.7%

Net InterestIncome

2018 GUIDANCE

-5 to 0%

R$ 12.0

billion

R$ 13.5

billion

1Q17 1Q18

Offerhigh-value

experiences

Increase of the

service capacity

per manager

DIGITAL

AND SPECIALIZED

BRANCHES5 million

customers with a

manager assigned

CUSTOMERS

CUSTOMER

SERVICE

Increase

of satisfaction

+37.5% in Estilo

+25.0% in Exclusivo

EMPLOYEES AT THE

DIGITAL MODEL

4,963

Mar/17 Mar/18

9,428

448Mar/17 Mar/18

588

3.3 millioncostumers at the

digital model

Investments in training

Recognizing and

retaining TALENTS 41.8% of employees

with Graduation and

Post-graduation.

Movements for network

Optimization

Service Specialization

To develop STRATEGIC competencies necessary

to face the challenges for the years to come.

PEOPLE MANAGEMENT

Employees97,981

Corporate and Middle: 1,300 employees

Foreign Trade: 1,400 employees

Digital Offices (Estilo and Exclusivo): more

than 9 thousand employees

Small and Very Small Offices: more than 3.4

thousand employees

Best Corporate

University

Innovation

Gold Award

How will a retail bank

handle the DIGITAL

trend 5 years

from now?

Trend: the portal will

become a market place

Social network BB interacting in 1st person

2.0 MILLION NATIVE DIGITAL CUSTOMERS

DIGITAL TRANSFORMATION

SIMPLICITY, AGILITY,

INNOVATION, INTEGRATION

74.5% OF TRANSACTIONS THROUGH

MOBILE AND INTERNET IN 1Q18

for best CHATBOT in the

Tela Viva Móvel 2018 Award.

BB'scustomer service

solution through a

virtual assistant in

Facebook Messenger,

based on cognitive

computing and artificial

intelligence, won the award

+55 (11) 4298-8000

Av. Paulista, 1230

18th floor

Bela Vista

São Paulo – SP | Brazil

CEP 01310-100

www.bb.com.br/irir@bb.com.br

Thank you