1 / 13

Investor Relations

Banco do Brasil 1Q06 Results. Investor Relations. Highlights. R$ million. (1) Past Due Loans + 60 days. Net Interest Income. 9.2. 9.0. 9.0. 8.5. 8.4. 4,406. 4,398. 4,199. 4,146. 4,090. 1Q05. 2Q05. 3Q05. 4Q05. 1Q06. Net Interest Income - R$ million. NIM¹ annualized - %.

simone-gaines
Download Presentation

Investor Relations

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 1Q06 Results Investor Relations

  2. Highlights R$ million (1) Past Due Loans + 60 days

  3. Net Interest Income 9.2 9.0 9.0 8.5 8.4 4,406 4,398 4,199 4,146 4,090 1Q05 2Q05 3Q05 4Q05 1Q06 Net Interest Income - R$ million NIM¹ annualized - % (1) Net Interest Margin over Earning Assets

  4. Volume¹ and Spread Analysis Spread - % 1Q06 - 2.0631 35 2 1Q05 - 2.0456 278 4,406 Volume - R$ million 1Q06 - 213,563 Gain due to Volume 1Q05 - 199,964 Gain due to Spread Gain due to Volume and Spread (1) Earnings Assets

  5. Loan Portfolio R$ million 1Q05 - % 4Q05 - % 1Q06 - % 10.1 9.0 8.4 18.3 18.1 18.7 14.9 14.9 14.5 33.0 35.1 35.1 23.7 22.9 23.2 Individuals SMEs Businesses Agribusiness Abroad

  6. Consumer Finance (CDC) 4,286 R$ million 3,843 3,419 3,199 3,065 1,668 1,118 1,082 1,004 815 741 683 671 642 639 623 615 546 554 521 1Q05 2Q05 3Q05 4Q05 1Q06 CDC Electrônico¹ CDC Salário² CDC Payroll Loans CDC Total (1) Loan to individuals with pre-approved credit, through ATM (2) Granted to whom receives his/her wage in BB’s account

  7. Delinquency and Provision for Credit Risk 4.9 4.7 4.3 4.2 4.2 1,498 1,345 1,061 1,002 966 7.3 6.6 6.3 6.1 6.1 6.0 1Q05 2Q05 3Q05 4Q05 1Q06 5.6 5.1 5.9 Quarterly Provision Expenses - R$ million 4.6 4.3 Provision Expenses / Loan Portfolio¹ - % 4.0 3.9 3.1 3.1 1Q05 2Q05 3Q05 4Q05 1Q06 Allowance for loan losses / Loan Portfolio - % Past Due Loans + 15 days / Loan Portfolio - % Past Due Loans + 60 days / Loan Portfolio - % (1) Average Portfolio and Expenses of the last 12 months

  8. Credit Risk - % 9.4 10.5 10.1 10.4 11.6 11.2 4.9 4.9 9.3 11.2 2.1 1.9 1.9 1.8 90.6 89.5 89.9 89.6 88.4 88.8 95.1 95.1 90.7 88.8 97.9 98.1 98.1 98.2 Retail Commercial Agribusiness Foreign Abroad Trade Banking Industry¹ 4Q05 1Q06 BB AA-C D-H AA-C D-H (1) Source: Brazilian Central Bank

  9. Fee Income R$ million Account Holders - million Assets Under Management - R$ billion 21.3 20.8 20.9 295 20.2 20.1 290 288 284 282 169.2 153.5 23.3 150.4 22.9 22.3 21.9 21.2 144.8 138.2 1Q05 2Q05 3Q05 4Q05 1Q06 1Q05 2Q05 3Q05 4Q05 1Q06 Market Share - % (Fees + NII) per account holder¹ - R$ (1) 12 months average

  10. Administrative Expenses R$ million

  11. Productivity Ratios Coverage¹ Ratio - % 112.1 104.8 103.4 102.3 97.9 Efficiency² Ratio - % 1Q05 2Q05 3Q05 4Q05 1Q06 50.4 49.0 48.1 48.1 47.5 1Q05 2Q05 3Q05 4Q05 1Q06 (1) Fee Income / Personnel Expenses - YTD (2) Administrative Expenses / Operating Income - YTD

  12. Income Tax and Social Contribution 38.6 34.9 33.2 32.4 24.3 2,533 1,760 1,601 1,491 1,347 979 570 559 447 363 1Q05 2Q05 3Q05 4Q05 1Q06 Pretax Income¹ - R$ million Taxes² - R$ million Tax Rate - % (1) Recurring Income before Taxes, deducting Profit Sharing (2) Recurring Taxes

  13. For further information access www.bb.com.br/ri Investor Relations Division 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 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