1 / 23

BANCO DO BRASIL

BANCO DO BRASIL. 2004 Results. Conference Call with Analysts. Highlights. 1 st in Assets – R$ 239.0 billion (CAGR 13.7%);. 1 st in Total Deposits – R$ 115.5 billion (CAGR 8.8%);. Largest Loan Portfolio – R$ 88.6 billion (CAGR 19.3%);.

tyne
Download Presentation

BANCO DO BRASIL

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. BANCO DO BRASIL 2004 Results Conference Call with Analysts

  2. Highlights 1st in Assets – R$ 239.0 billion (CAGR 13.7%); 1st in Total Deposits – R$ 115.5 billion (CAGR 8.8%); Largest Loan Portfolio – R$ 88.6 billion (CAGR 19.3%); Leader in the export foreign exchange segment – 27.2% market share; Leader in asset management in Latin America – R$ 124.0 billion (CAGR 29.9%); Largest Customer Base – 21.1 million (CAGR 13.7%); Leader in Internet – 6.9 million customers; Largest service network in the country – 14,450 points; Largest automated teller machine network in Latin America – 39,015 ATMs; 3rd place ANBID's ranking of fixed income underwriting in financial volume and in quantity of operations. CAGR – 1999 to 2004 except Credit Portfolio (2000 to 2004)

  3. Result Building Spread Reduction Increase in Credit Operations Growth of Services Revenues Productivity Ratios maintenance Growth of Administrative Expenses Decrease of Income Tax and Social Contribution

  4. Result Highlights R$ million

  5. Net Income R$ million 23.0 22.3 3,024 27.7 27.5 24.0 2,381 23.1 21.3 833 805 771 637 616 2003 2004 4Q03 1Q04 2Q04 3Q04 4Q04 ROE - % (Annualized)

  6. Spread - % 4Q04 - 1.7401 32 1 3Q04 - 1.7258 3,919 133 Volume - R$ million 4Q04 - 234,802 3Q04 - 227,099 Analysis of Volume and Spread Annual Spread - % 2003 - 7.3618 (88) (945) 2004 - 6.9078 15,327 1,424 Volume - R$ million 2004 - 227,541 2003 - 208,198 Quarterly Gain/(Loss) due to Volume Gain/(Loss) due to spread Gain/(Loss) due to Volume and Spread

  7. 2003 2004 3.6 4.1 19.3 19.5 34.7 35.6 41.9 41.3 Analysis of Management Spread - % Portfolio Mix - % (daily balance average)

  8. 20.2 19.9 20.0 19.7 19.0 124.0 122.5 116.9 116.0 102.7 4Q03 1Q04 2Q04 3Q04 4Q04 Asset Management Market Share - % Service Revenues R$ million Customers Base - million Asset Management

  9. Personal Expenses R$ million Coverage Ratio – YTD - % Human Resources - thousand 98.6 98.3 98.4 2.8 2.9 2.9 96.9 2.8 2.6 82.4 4Q03 1Q04 2Q04 3Q04 4Q04 Dep. + Asset Management / Employee - R$ million Service Income / Personnel Expenses

  10. Productivity Ratios Assets per Workforce - R$ thousand 2,534 2,531 2,570 2,503 2,455 4Q03 1Q04 2Q04 3Q04 4Q04 Customers per Workforce Workforce per Branch* 227 221 217 17.5 17.4 17.3 17.4 17.3 209 206 4Q03 1Q04 2Q04 3Q04 4Q04 4Q03 1Q04 2Q04 3Q04 4Q04 * Branch, Advanced Service Post and Banking Service Post

  11. Other Administrative Expenses R$ million Points of Service - thousand Customers per Branch* 6.1 6.0 5.9 5.9 5.9 14.5 14.2 3,931 3,855 13.9 3,766 13.5 3,646 13.2 3,578 4Q03 1Q04 2Q04 3Q04 4Q04 4Q03 1Q04 2Q04 3Q04 4Q04 Credit Operations / Points of Service - R$ million * Branch, Advanced Service Post and Banking Service Post

  12. Automated Channels Electronic Transactions / Total Transactions - % 89.6 88.4 86.9 86.4 86.3 4Q03 1Q04 2Q04 3Q04 4Q04 ATM Internet Individual Internet Corporate Cashier POS COBAN and Others Efficiency Ratio – YTD - % 58.2 56.8 56.4 56.3 55.6 4Q03 1Q04 2Q04 3Q04 4Q04 Administrative Expenses / Operational Income

  13. Business vs. Expenses - %

  14. Assets, Liabilities and Shareholders’ Equity R$ million Asset Composition - % Market Funding – R$ billion 160.1 157.1 150.1 13.3 13.3 15.0 19.2 18.9 30.7 30.7 30.2 29.4 30.2 30.5 31.3 29.7 49.4 49.7 28.8 48.2 28.5 44.5 42.0 40.1 31.1 30.2 29.9 29.0 27.4 27.1 3.6 3.9 3.5 3.9 4.1 7.3 5.5 5.8 21.5 21.6 21.1 19.1 18.0 Interbank Demand Deposits Saving deposits Time Deposits Money Market Total 4Q03 1Q04 2Q04 3Q04 4Q04 Deposits Borrowing 4Q03 3Q04 4Q04

  15. 26.3 36.1 63.9 73.7 Securities R$ million Security Portfolio by Maturity - % 4Q03 4Q04

  16. 2.6 2.0 2.0 10.2 11.9 12.2 20.1 24.0 23.1 9.0 10.1 9.4 21.2 21.8 21.4 33.9 30.5 34.5 Retail Commercial Agribusiness Foreign Trade Abroad Others Credit Portfolio R$ million 4Q03 3Q04 4Q04

  17. Credit Portfolio by Risk Level - % 7.9 10.4 16.1 3.7 5.4 2.3 2.6 92.1 89.6 97.7 97.4 96.3 94.6 83.9 Retail Commercial Agribusiness Foreign Trade Abroad BB Banking Industry* AA-C D-H * Source: Brazilian Central Bank

  18. Credit Portfolio Delinquency R$ million 4.6 4.4 4.4 4.4 4.3 6.4 6.1 6.1 5.9 5.4 5.6 5.2 5.1 4.9 4.7 2.1 2.2 1.6 1.7 1.7 3.2 3.3 3.2 3.2 3.0 4Q03 1Q04 2Q04 3Q04 4Q04 4Q03 1Q04 2Q04 3Q04 4Q04 Loss / Credit Portfolio - % annualized Expenses / Portfolio - % Allowance for Loan Losses / Credit Portfolio - % Past Due Loans / Credit Portfolio - % Past Due Loans + 60 days / Credit Portfolio

  19. Capital Adequacy R$ million 15.2 15.7 14.5 14.3 13.7 5.2 4.6 4.4 4.4 4.0 11.0 10.5 10.6 9.9 10.1 9.7 4Q03 1Q04 2Q04 3Q04 4Q04 Tier I Tier II

  20. Capital Adequacy R$ million

  21. 87.0 85.9 83.5 80.7 78.0 12.7 12.2 12.3 11.6 11.5 17.7 18.0 17.4 17.3 18.4 56.6 55.7 53.8 51.8 48.1 4Q03 1Q04 2Q04 3Q04 4Q04 Insurance R$ thousand Combined Ratio Evolution - % Administrative Expenses / Earned Premiums Marketing Expenses / Earned Premiums Retained Claims / Earned Premiums

  22. BB’s Shares 35.4% 17.8% Dec/03 Jan/04 Mar/04 Apr/04 May/04 Jun/04 Jul/04 Aug/04 Sep/04 Oct/04 Nov/04 Dec/04 Feb/04 Daily Volume BBAS3 - R$ million BBAS3 Ibovespa

  23. For further information access www.bb.com.br/ri Investor Relations Division SBS - Quadra 1 - Bloco C - Ed. Sede III - 17° floor 70073-901 - Brasília (DF) Phone: 55 (61) 310.5920 Fax: 55 (61) 310.3735 www.bb.com.br ri@bb.com.br 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.

More Related