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Financial Results. 2002. Net Income R$ million. 2,028. 1,082. 1,205. 823. 778. 2001. 2002. 304. 1H01. 2H01. 1H02. 2H02. 605. 600. 474. 446. 349. 332. 167. 137. 1Q01. 2Q01. 3Q01. 4Q01. 1Q02. 2Q02. 3Q02. 4Q02. Net Income R$ million. 22.8. 22.6. 20.6. 16.6. 12.9.

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Financial Results

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Financial results

Financial Results

2002


Financial results

Net Income

R$ million

2,028

1,082

1,205

823

778

2001

2002

304

1H01

2H01

1H02

2H02


Financial results

605

600

474

446

349

332

167

137

1Q01

2Q01

3Q01

4Q01

1Q02

2Q02

3Q02

4Q02

Net Income

R$ million


Financial results

22.8

22.6

20.6

16.6

12.9

2001

2002

Jan-Mar/02

Jan-Jun/02

Jan-Sept/02

Return on Equity

Annualized (%)

15%*


Financial results

Income Statement

Corporate Legislation - R$ million

Chg, %

Year Flow

2001

2002

2001

4,866

8,025

64.9

Gross Result from Fin, Brokerage

3,760

4,444

Service Income

18.2

-5,575

-5,533

Personnel Expenses

-0.8

Other Administrative Expenses

-3,586

-4,081

13.8

Other Operating Items

1,905

330

-0.8

Operating Income

1,370

3,185

132.5

Non-Operating Income

79

172

117.7

1,449

3,357

131.7

Income Before Taxes

-301

-1,184

293.4

Income Tax and Social Contribution

-66

-145

119.7

Statutory Profit Sharing

1,082

2,028

87.4

Net Income


Financial results

Balance Sheet

Dec/01

Dec/02

Chg.%

R$ million

Assets

165,120

204,595

23.9

74,364

90,343

21.5

Liquidity Assets

40,298

51,470

27.7

Loan and Leasing Operations

Other Assets

62,782

50,458

24.4

Liabilities

165,120

204,595

23.9

73,436

97,253

Deposits

32.4

Demand Deposits

18,831

24,342

29.3

Savings Deposits

21,242

26,918

26.7

Interbank Deposits

4,220

3,876

-8.2

29,142

42,117

44.5

Time Deposits

Open Market Funds

43,753

48,327

10.5

Other Liabilities

39,184

49,817

27.1

9,197

5.1

Shareholders’ Equity

8,747


Financial results

15.4

15.0

14.5

14.1

13.8

Dec/01

Mar/02

Jun/02

Sept/02

Dec/02

66.8

66.2

64.5

61.4

57.3

17.5

17.4

17.1

16.2

15.7

Dec/01

Mar/02

Jun/02

Sept/02

Dec/02

Customer Base

million

Asset Management

R$ billion


Financial results

82.0

80.3

67.4

2001

2002

Coverage Ratio - Accumulated (%)

(Service Income /Personnel Expenses)


Financial results

3,582

3,545

3,485

3,460

3,453

5,773

5,675

5,483

5,185

5,015

2001

1T02

2T02

3T02

2002

Others

Branches

Points of Service


Financial results

7.2%

24.2%

11.4%

37.0%

Variation %

20.2%

Region

Dec/01 to Dec/02

Southeast

13.8

Others

8.6

Brazil

10.5

Distribution Network


Financial results

33,645

33,002

32,936

32,810

32,287

Dec/01

Mar/02

Jun/02

Sept/02

Dec/02

Automated Teller Machines - ATMs


Financial results

65.0

69.2

59.1

2001

2002

Cost/Income Ratio - Accumulated (%)

(Administrative Expenses/Operating Income)


Financial results

Dec/01

Sept/02

Dec/02

2.4%

2.2%

2.4%

8.5%

5.4%

7.6%

6.4%

15.2%

10.6%

74.6%

77.2%

until 30

from 31 to 180

from 181 to 360

over 360

Securities Portfolio

R$ millions

Balance

Jun/02

Part, %

Sept/02

Part, %

Dec/02

Part, %

Available for Trading

3,325

4.8

3,710

4.9

3,585

5.1

Available for Sale

40,377

58.9

45,991

60.7

41,303

58.2

Held to Maturity

24,542

35.8

25,670

33.9

25,763

36.3

346

0.5

400

0.5

292

0.4

Derivatives

Total

68,590

100,0

75,770

100,0

70,943

100,0

87.6%


Financial results

2001

2001

Others

Internacional

Retail

3,0%

14,6%

24,6%

2002

2002

Commercial

Agribusiness

29,4%

Others

28,4%

Internacional

Retail

3,3%

14,4%

23,8%

Commercial

Agribusiness

26,6%

31,9%

Credit Portfolio Profile

(Multiple Bank Balances and Subsidiaries in the Country)


Financial results

6.9

6.8

6.7

6.7

6.4

2.1

2.0

2.0

1.9

1.8

1.5

1.5

1.4

1.4

1.3

Dec/01

Mar/02

Jun/02

Sep/02

Dec/02

Consumer Credit

Overdraft Account

Working Capital

Main Retail Operations

R$ billions


Financial results

6.4

6.0

5.8

5.6

5.1

2.7

2.6

2.6

2.4

2.2

2.0

1.9

1.9

1.7

1.6

Dec/01

Mar/02

Jun/02

Sept/02

Dec/02

Receivables

Investments

Working Capital

Main Wholesale Operations

R$ billions


Financial results

Agribusinees Operations

R$ billion

16.8

13.8

13.1

12.4

11.7

49.5%

48.7%

49.5%

49.4%

50.0%

50.5%

50.5%

51.3%

50.0%

50.6%

dec/01

mar/02

june

/02

sept

/02

dec/02

Defrayal

Others


Financial results

E,F,G and H

5.5%

C and D

9.7%

AA, A and B

E,F,G and H

84.8%

8.5%

C and D

14.6%

AA, A and B

76.9%

Credit Risk

BB

SFN


Financial results

2001

2002

Total Credit Portfolio

49,894

63,051

Non Performing Loans

3,675

3,801

NPL / Total Credit Portfolio - %

7.4

6.0

NPL more than 60 days

2,206

2,105

NPL more than 60 days / Total Credit Portfolio- %

4.4

3.3

Write offs

2,034

2,030

Credit Recovery

877

722

Losses Balance

1,158

1,309

Losses Balance / Total Credit Portfolio - %

2.3

2.1

Provisions / Total Credit Portfolio - %

5.3

5.9

Provisions / NPL more than 60 days - %

120.4

177.0

Provisions / Credit Portfolio from risk C to H

2,394

2,897

Provisions / Credit Portfolio from risk E to H

2,183

2,604

Credit Risk

R$ million


Financial results

145.9

145.6

117.2

49.7

48.3

43.0

43.8

42.1

29.1

26.3

26.9

24.3

21.4

21.2

18.8

5.6

4.2

3.9

Interbank

Deposits

Demand

Deposits

Savings

Deposits

Time

Deposits

Open Market

Funds

Total

Dec/01

Sept/02

Dec/02

Market Funding

R$ billion


Financial results

Balances

Dec/01

Sept/02

Dec/02

88,826

107,797

103,859

Risk weighted assets

10,471

12,472

12,024

Required Shareholders’ equity

Referential Equity

12,062

12,389

13,377

1,591

-82

1,353

Shareholders’ equity surplus/deficit

Leverage surplus/deficit

14,463

-749

12,302

K coefficient %

12.7

10.9

12.2

Capital Adequacy

R$ millions


Financial results

Dec/01

Sept/02

Dec/02

Referential Equity

12,062

12,389

13,377

Tier I

8,714

8,375

9,172

Capital

7,435

7,435

7,435

Capital Reserves

5

5

5

Revenue Reserves

1,274

2,180

2,969

Detattached Account

-

(1,724)

(1,111)

Treasure Stocks

-

(126)

(126)

Income Accounts

-

605

-

Tier II

3,348

4,014

4,205

Subordinated Debt

3,314

3,979

4,180

Revaluation Reserves

33

35

25


Financial results

12.7

12.2

11.6

10.9

11.0

9.3

9.2

8.4

7.8

7.4

Dec/01

Mar/02

Jun/02

Sept/02

Dec/02

Capital Adequacy Ratio- %

13.1


Financial results

12.5

12.2

11.9

11.8

11.8

Dec/01

Mar/02

Jun/02

Sept/02

Dec/02

Tax Credit

R$ billion


Financial results

Highlights

1º in Assets - R$ 204.6 billions;

1º in Asset Management - R$ 66.6 billions - 17.4% market share;

1º in deposits - R$ 97.2 billions;

Leader in FX - 22% market share;

Largest Distribution Network in Brazil - 9,355 points of service;

Largest customer base - 15,4 million  customers.


Financial results

Investor Relations Division

SBS - Quadra 1 - Bloco C - Ed. Sede III - 17° andar

70073-901 - Brasília (DF)

Phone: 55 61 310 5920

Fax: 55 61 310 3735

www.bb.com.br

[email protected]


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