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Banco do Brasil 3Q07 Results. 1,464. 1,409. 1,248. 907. 1,068. 832. 3Q06. 4Q06. 1Q07. 2Q07. Net Income. 35.9. 29.2. 31.0. 29.4. 29.4. 24.0. 26.7. 17.8. 19.8. 4,796. 26.3. 4,646. 20.9. 18.0. 1,582. 3,841. 1,364. 2,417. Δ Recurring Net Income – 90.2 %.

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Banco do Brasil 3Q07 Results

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Banco do brasil 3q07 results

Banco do Brasil

3Q07 Results


Banco do brasil 3q07 results

1,464

1,409

1,248

907

1,068

832

3Q06

4Q06

1Q07

2Q07

Net Income

35.9

29.2

31.0

29.4

29.4

24.0

26.7

17.8

19.8

4,796

26.3

4,646

20.9

18.0

1,582

3,841

1,364

2,417

Δ Recurring Net Income – 90.2%

Δ Recurring Net Income – 92.2%

3Q07

9M06

9M07

ROE (Annualized) - %

Net Income – R$ million

Recurring ROE (Annualized) - %

Recurring Net Income – R$ million


Banco do brasil 3q07 results

Net Income Changes

R$ million

Recurring Net Income 2Q071,464

Income Taxes 116

Other Operating Income 82

Fee Revenues 61

Other Effects 11

Administrative Expenses 100

Net Interest Income 52

( )

Recurring Net Income 3Q07 1,582

( )

One-off Expenses 218

Net Income 3Q07 1,364


Banco do brasil 3q07 results

0.8

0.5

0.4

0.3

3.0

3.3

3.2

3.4

4.8

4.8

4.7

4.6

6.1

6.1

5.8

5.4

Net Interest Income

15.3

R$ billion

13.3

1.7

5.2

5.2

4.8

4.8

1.2

4.4

9.6

10.2

0.4

14.6

13.9

18.7

3.4

15.8

5.1

6.5

9M06

9M07

3Q06

4Q06

1Q07

2Q07

3Q07

Net Interest Income

Loan Revenues

Interest Expense

Security Revenues

Other Interest Revenues


Banco do brasil 3q07 results

Net Interest Income

14.6

13.6

12.9

12.3

11.5

8.2

8.4

8.1

8.0

7.5

3Q06

4Q06

1Q07

2Q07

3Q07

Annualized NIM by Loan Portfolio - %

Average Selic Annualized - %

NIM Annualized¹ - %

31.4

31.8

28.9

28.8

27.7

8.5

8.0

7.3

7.2

7.0

5.2

6.4

7.0

6.6

6.6

3Q06

4Q06

1Q07

2Q07

3Q07

(1) Net Interest Income over Earning Assets

Individuals

Businesses

Agribusinesses


Banco do brasil 3q07 results

Long Exposure vs. Interest Rate

Related to Selic - %

130.5

127.2

128.1

124.8

Investment Interest Rate

112.6

65.0

Funding Interest Rate

62.1

62.0

61.5

58.1

49.4

46.4

36.1

29.9

27.7

22.9

19.0

18.2

14.6

12.7

3Q06

4Q06

1Q07

2Q07

3Q07

Domestic Long Net Exposure - R$ billion

Floating Rate

Fixed Rate


Banco do brasil 3q07 results

145.2

140.4

133.2

12.2

12.3

118.3

12.2

27.9

26.1

10.4

24.0

23.2

48.8

46.8

45.1

40.3

56.3

55.2

51.9

44.4

Sep/06

Dec/06

Mar/07

Jun/07

Loan Portfolio

R$ billion

Δ % over

Sep/06 Jun/07

26.9 3.4

150.2

20.42.8

12.6

27.3 5.7

29.5

20.1 (0.7)

48.4

34.3 5.9

59.7

Sep/07

Businesses

Individuals

Agribusinesses

Abroad


Banco do brasil 3q07 results

27.9

26.1

24.0

23.,2

9.9

9.6

9.5

10.1

10.2

9.3

8.3

7.4

2.6

2.7

2.2

2.3

3.4

3.2

3.1

2.8

0.6

0.9

1.3

1.7

Loan Portfolio - Individuals

R$ billion

Δ % over

3Q062Q07

27.3 5.7

29.5

0.8 0.8

10.1

49.8 8.3

11.0

7.7(2.0)

2.6

28.6 5.7

3.6

250.9 29.4

2.2

3Q06

4Q06

1Q07

2Q07

3Q07

Cars Loan

Overdraft Account

Credit Card

Payroll Loan

Others


Banco do brasil 3q07 results

222.7

221.9

213.9

214.0

175.1

173.1

170.1

166.2

Credit Risk

Average Risk - %

6.9

6.2

6.2

6.0

5.8

6.7

BB

Banking Industry

5.4

5.4

5.4

5.4

Required Provision / Past Due Loan + 90 days - %

202.8

167.7

BB

Banking Industry

3Q06

4Q06

1Q07

2Q07

3Q07


Banco do brasil 3q07 results

Delinquency and Provision for Credit Risk

5.6

5.0

4.8

4.1

3.7

1,431

1,385

1,257

1,236

1,216

7.4

6.5

6.5

6.5

6.4

3Q06

4Q06

1Q07

2Q07

3Q07

5.2

Provision Expenses - R$ million

4.7

4.2

4.1

4.1

Provision Expenses / Loan Portfolio¹ - %

3.8

3.4

2.9

2.8

2.8

3Q06

4Q06

1Q07

2Q07

3Q07

Provision / Loan Portfolio - %

Past Over Due Loans + 15 days / Loan Portfolio - %

(1) Average Portfolio and Expenses of the past 12 months

Past Over Due Loans + 60 days / Loan Portfolio - %


Banco do brasil 3q07 results

Credit Risk Provisions Breakdown

R$ million

9,663

9,441

9,133

8,757

8,635

1,580

548

1,655

1,582

1,397

8,209

8,084

7,786

7,551

7,238

Sep/06

Dec/06

Mar/07

Sep/07

Jun/07

Total Provision

Required Provision

Additional Provision


Banco do brasil 3q07 results

Deposits

Δ % over

Sep/06 Jun/07

R$ billion

18.8 4.6

172.2

164.5

160.7

158.8

4.6 10.1

6.0

5.4

5.3

144.9

5.2

5.7

83.6

15.72.7

81.4

76.9

80.9

72.3

38.7

36.8

40.1

35.6

19.35.1

32.4

43.8

27.27.3

40.8

38.9

36.7

34.4

Sep/06

Dec/06

Mar/07

Jun/07

Sep/07

Saving Deposits

Demand Deposits

Time Deposits

Others


Banco do brasil 3q07 results

Fee Income

R$ million

Δ % over

3Q062Q07

10.9 2.5

2,498

2,437

2,377

2,287

2,252

25.6 6.6

352

330

300

293

280

10.3 1.6

727

716

703

672

659

8.1 2.0

1,419

1,391

1,373

1,322

1,313

3Q06

4Q06

1Q07

2Q07

3Q07

Products

Customers

Others


Banco do brasil 3q07 results

24.9

24.6

24.4

24.1

1.6

1.6

1.6

1.5

23.3

23.0

22.8

22.6

3Q06

4Q06

1Q07

2Q07

Customers and Asset Management

19.7

19.1

19.1

19.1

18.1

208.9

206.9

193.1

182.7

180.6

Δ= (1.0)%

Δ= 14.5%

Customers - million

3Q07

3Q06

4Q06

1Q07

2Q07

25.2

1.6

Market Share - %

Assets under Management - R$ billion

23.6

3Q07

Individuals

Companies


Banco do brasil 3q07 results

316

315

300

250

3Q06

4Q06

2Q07

1Q07

Insurance

Value Added¹ - R$ million

294

Δ= (7.0)%

Δ= 17.6%

3Q07

(1) Includes equity income, fee income, brokage and asset management income


Banco do brasil 3q07 results

558

560

508

4Q06

1Q07

2Q07

Credit Cards

Value Added¹ - R$ million

542

495

Δ= (3.2)%

Δ= 9.4%

3Q06

3Q07

(1) Includes fee income, financing income, equity income and others


Banco do brasil 3q07 results

Credit Cards

17.8

15.7

14.4

14.1

11.4

12.3

11.5

10.9

11.2

9.4

Δ= 7.0%

Δ= 30.6%

3Q07

3Q06

4Q06

1Q07

2Q07

Credit Cards - million

(1) Includes Credit Cards and Debit Cards

Revenue¹ - R$ billion


Banco do brasil 3q07 results

Administrative Expenses

R$ million

Δ % over

3Q062Q07

4.7 3.1

3,362

3,331

3,232

3,182

3,149

1,516

14.1 3.5

1,378

1,519

1,572

1,401

1,846

1,804

(2.5) 2.7

1,748

1,713

1,759

3Q06

4Q06

1Q07

2Q07

3Q07

Personnel Expenses¹

Other Administrative Expenses¹

(1) Legal risk and extraordinary items are not included.


Banco do brasil 3q07 results

9.9

10.2

10.1

9.8

82.7

82.6

82.5

79.3

3Q06

4Q06

1Q07

2Q07

Human Resources and Logistics

Workforce - thousand

9.5

80.0

Points of Service - thousand

3Q07

15.1

15.2

15.2

15.0

15.1

Employees

Interns

4.0

4.0

4.0

4.0

4.0

11.1

11.2

11.2

11.2

11.0

3Q06

4Q06

1Q07

2Q07

3Q07

Branches

Others


Banco do brasil 3q07 results

2.5

2.4

2.4

2.3

2.2

2.0

1.9

1.9

Productivity Ratio

R$ billion

130.6

130.2

127.9

113.4

112.9

110.1

107.2

2.5

2.4

3Q07

3Q06

4Q06

1Q07

2Q07

Recurring Coverage Ratio¹ - %

Fee Income

Coverage Ratio¹ - %

Personnel Expenses

(1) Year to Date


Banco do brasil 3q07 results

Productivity Ratio

R$ billion

50.8

49.1

47.5

46.5

44.1

44.7

45.5

7.7

7.7

7.5

7.1

7.1

4.2

4.2

3.6

3.4

3.3

3Q06

4Q06

1Q07

2Q07

3Q07

Recurring Efficiency Ratio¹ - %

Administrative Expenses

Efficiency Ratio¹ - %

Operating Income

(1) Year to Date


Banco do brasil 3q07 results

BIS Ratio

%

17.7

17.3

17.2

15.9

15.7

5.8

5.6

5.5

5.3

5.2

11.9

11.6

11.6

10.6

10.5

Sep/06

Dec/06

Mar/07

Jun/07

Sep/07

Tier I

Tier II


Banco do brasil 3q07 results

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

www.bb.com.br

[email protected]

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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