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BANCO DO BRASIL4th Quarter
2011
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Disclaimer
This presentation may include 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, they also involve
imprecision and high difficult risks to be foreseen. Consequently, they may conduct
to a different result than 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 one. Banco do Brasil is not
responsible for bringing up to date any estimate in this presentation.
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(1) Accumulated 12 months. Source: IBGE
(3) 12 months. Source: CAGED
(2) End of period. Source: Central Bank
(4) 12 months average. Source: IBGE
Economic Environment
3
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Economic environment x Banking Industry
4
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(2) Loan as reference for interest rate
R$ billion
Brazilian Banking Industry
5(1) Preliminary data
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Distribution
Agribusiness Finance
InvestorRelations
Structuring of Solutions
Construction of Solutions
HumanResources
Controlling Credit
Risk Management
Accounting
Internal Controls
Legal
Marketing andComunication
Business and Operations
Support
Individuals
ChannelManagement
Micro and Small Ventures
Private Bank Operation of Solutions
Government AffairsCommercial
Adm. and Financial Unit for
Legal Procedures
Security Management
Reestructuring Of Operational
Assets
TecnologiaStrategy andOrganization
ExecutiveSecretary
Relations with Employees and
SponsoredEntities
Capital Markets and
Investments
São Paulo Distribution
Governance ofRelated
Companies
Cards
Loans and Financing
PensionManagement
Insurance, Pension Plans
and Capitalization
Organizational Chart
Acquisitionsand StrategicPartnerships
SustainableDevelopment
Divisions
Vice-Presidents
CEO/President
Autonomus Managing Unit
Units
VIPINWholesale,InternationalBusiness andPrivate Bank
VIVARRetail Service, Distribution and Operations
VIPAGAgribusiness and Small Ventures
VIFINFinancial Mngt., and Investor Relations
VITECTechnology
VIPESHuman Resources and Sustainable Development
VICRIInternal Controls and Risk Management
VIGOVGovernmentVINEG
Retail Services
Internal Audit
Board of Directors
General Shareholders MeetingBoard of Auditors
Audit Commitee
CEO/PresidentBoard of Officers
International Business
and Affairs
6
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Shareholding Breakdown
Free Float - %
Free Float* – 30.4%
Ownership Structure
7(*) Considering Bonus C subscription
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Timeline
Mar-08
Oct-09
Oct-08
Sep -09
Oct-09
Nov-09
Nov-09
Jun-10
Mar-11
Apr-10
Acquisition of BESC
Mortgage lending
Nossa Caixa taking over
Banco Votorantim partnership
Level I ADR Program
Launching of ELO
Financial Holding Company status
Insurance restructuring
Banco Patagonia taking over
May-11
Acquisition of EuroBank - EUA
Retail Transformation Program – BB 2.0
Shares Public Offering
Post Office Bid – Banco Postal
Apr-11
Apr-11
2008
2009
2010
2011
8
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Leaderships¹
%
9
(1) Assets and Deposits: as of September/11; Loan Portfolio in Brazil and Asset Management: as of December/11;
(2) Does not include Banco Votorantim
(Market Share)
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10
Distribution NetworkRegional Market Share
33.3%35.2%
30.0%
20.7%
26.0%
Total = 25.1%
Total Distribution Network
(1) Included PAA, PAB, PAE, QSQ, PAP , SAA and banking correspondent (2) Since Jan/12
Branchs 5,263
Other Service´s point1 27,235
Postal Bank² 6,337
Shared Network 24,534
Total 63,369
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Profitability
11
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Capital Structure
12
BIS Ratio - %
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CAGR = 27.9%
(1) Source: Central Bank. (2) Market Share as of September/2011
Assets
13
²
Market Share(%)¹
R$ billion
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R$ billion
CAGR (%) = 25.1
26.7
4.9
21.6
28.2
32.8
(1) Includes BV and BNC since 2009
Funding¹
14
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R$ billion
CAGR (%) = 30.4
32.4
14.6
42.1
33.8
(1) Included BV, BNC, provided guarantees and private securities since 2009 (2) Domestic Loan Portfolio / BI Loan Portfolio
Loan Portfolio¹
15
Market Share(%)²
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R$ billion
(1) Included BV, BNC, provided guarantees and private securities since 2009 (*) Since 2008
CAGR (%) = 42.1
322.0*
2.7
36.5
24.3
79.3
44.1
Loans to Individuals¹
16
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R$ billion
(1) Included BV, BNC, provided guarantees and private securities since 2009
CAGR (%) = 33.8
28.9
36.6
Loans to Companies¹
17
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R$ billion
CAGR (%) = 14.6
28.7
9.2
Loans to Agribusiness¹
18(1) Included BV, BNC, provided guarantees and private securities since 2009
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(1) Without one-off items(2) Average loan portfolio and 12 months expenses(3) Net of credit recovery
Credit Risk
19
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R$ billion
Net Interest Income
20
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NIM
21
%
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(2) Insurance Net Income / BB´s Recurring Net Income
∆ = 15.6%
∆ = 20.7%
∆ = 5.0%
∆ = 16.7%
Business diversification increases revenues
22
(1) Includes Banco Votorantim
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R$ billion
(1) Administrative Expenses / Operational Revenues, excempt from one-off items; accumulated 12 months
Cost to Income Ratio¹
23
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(2) Including ATM from partnerships
(1) Includes Banking Correspondents
Structure
24
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Structure
25
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Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III - 7° floor
70073-901 - Brasília (DF) Phone: +55 61 3102 1124
Fax: +55 61 3102 1435
bb.com.br [email protected]