1

Banco do Banco do BrasilBrasil

3Q103Q10

2

DisclaimerDisclaimer

The tables and charts in this presentation show the financial numbers, rounded, in

R$ millions. The columns of changes and the totalizers use the financial figures as

basis, not the rounded numbers in R$ millions. The used roundings follows the rules

established by Resolution 886/66 of IBGE: If the last digit is more or equal than 5, it

increases by one unit the last digit to stay; if the last figure is less than 5, the last

digit to stay remains unchanged. The variations in both percentage and nominal,

were calculated using numbers in units.

3

Price Index IPCA¹ - % Interest Rate Selic² - %

Total Payroll Index³

(3) Basis 100 = 2005Source: IBGE

Unemployment4 - %

(4) 12 months averageSource: IBGE

Economic EnvironmentEconomic Environment

(1) 12 monthsSorce: IBGE

(2) End of PeriodSource: Central Bank

3.1

4.5

5.9

4.34.7

2006 2007 2008 2009 9M09

13.25

11.25

13.75

8.75

10.75

2006 2007 2008 2009 9M10

106.5 111.6 119.1 121.7133.4

2006 2007 2008 2009 9M09

10.0 9.37.9 8.1

7.1

2006 2007 2008 2009 9M09

4

456567 603 656

584

844

1,0541,202

1,123

886

2006 2007 2008 2009 9M10

Banking IndustryBanking Industry

Banking Industry Loan Portfolio - R$ trillion Banking Industry Loan Operations¹ - R$ billion

Credit RiskConsumer Loans² - R$ billion

Allowance / Portfolio - %

Loan/GDP - % Public Private

Mortgage PayrollVehicle

Past Due Loan + 90 dias / Loan Portfolio - %(1) Loan as reference for interest rate – Contracted amount(2) Free Resources. Source: Central Bank

BusinessesIndividuals

0.3 0.3 0.4 0.6 0.70.6 0.6

0.80.8

0.9

30.2 33.439.7

45.0 46.7

2006 2007 2008 2009 3Q10

6.25.5 5.3

7.2

5.8

3.73.2 3.2

4.4

3.4

2006 2007 2008 2009 Sep/10

35.7 45.8 63.3 91.9 120.748.1 64.778.9

106.2131.8

77.4111.6

139.1

157.1

176.0

2006 2007 2008 2009 Sep/10

5

Board of Officers

Internal Audit

Board of Directors

Shareholders General Meeting

Board of Auditors

Directorships

Audit Committee

CEO

VP of International

Businessand Wholesale

Foreign Trade

Commercial

International

VP ofRetail Business

VP ofRetail and

Distribution

VP ofAgribusiness

and SME

VP ofGovernment

VP ofFinance,

Capital Marketsand IR

VP of Technology

VP ofPeople Management

and Sustainable Development

VP of Credit,

Controllershipand Global Risk

Cards

Loans and Financing

Insurance,Pension Plans and

Capitalization

Distribution

High Income

Agribusiness Government

Pension Fund Management

Finance

Capital Markets

and Investments

Investor Relations

Technology

SoftwareDevelopment

IT Infrastructure

People Management

Relations with Employees and

Sponsored Entities

Controllership

Credit

RiskManagement

Restructuringof Operational

Assets

Accounting

Internal Controls

Strategyand

Organization

Security

Management

Legal

Marketing andCommunication

ExecutiveSecretariat

Units

Micro and Small

EnterprisesRetail

Distribution Network Management

Position: September 30, 2010

Sustainable Development

São Paulo Distribution

Business Suportand Operations

6Position on September 30, 2010

COBRABB - 99.88% ON

99.94% TotalBI - 0.007% ON

0.003% Total

BB LEASING

BB - 100% ON 100% Total

BBCARTÕES

BB - 100% ON 100% Total

BB LEASING Co. LTD

BB - 100% ON 100% Total

BB DTVM

BB -100% ON 100% Total

BBCORRETORABB – 100%ON

100% Total

BAMBBB -100% ON

100% Total

BBCONSÓRCIOS

BB - 100% ON 100% Total

BANCO DO BRASIL

SECURITIES LLC BB - 100% ON

100% TotalBB

SECURITIESBAMB -100% ON

100% Total

BB TURISMO BAMB - 99% ONBB Leasing - 1% ON

100% Total

ATIVOS S.A. BB BI - 49% ON

74.50 % TotalBAMB - 51% ON 25.50% Total

BANCO DO BRASIL

M A N A G E D

BB PREVIDÊNCIA Private Pension Entity

S P O N S O R E D

CASSI PREVIFBB

CONTROLLED

F O U N D A T I O N

BANCO VOTORANTIM

BB 49.99% ON 50% Total

BB BIBB - 100% ON

100% Total

BRASILPREV

BB Seguros 49.99% ON

100% PN 74.99% Total

BRASILCAP

BB Seguros 49.99% ON 49.99% Total

BRASIL VEÍCULOS

BB Seguros 100% ON 100% Total

Strategic Interest

Insurance GroupInsurance Group

BB SEGUROS PARTICIPAÇÕES

BB SEGUROS PARTICIPAÇÕES

BB – 100% ON 100%Total

CADAM

BB 56.19% PN 21.64% Total

Participação Não Estratégica

Participações Estratégicas

RELATED COMPANIES / SHARES

NOSSA CAIXA ADM. DE CARTÕES

BB – 100% ON 100% Total

CIBRASEC

BB-BI 9.09% ON 9.09% Total

BB 3.03% ON 3.03 % Total

CIELO

BB BI 28.65% ON 28.65% Total

CBSS

BB BI 35.00% ON

40.35% Total

TECBAN

BB BI 13.53% ON 13.53% Total

Aliança do Brasil

BB Aliança 100% ON 100% Total

BB BI

BB ALIANÇA

NOSSA CAIXA CAPITALIZAÇÃO

BB – 100% ON 100% Total

BB ALIANÇAPARTICIPAÇÕES

BB – 100% ON 100%Total

CADAM

BB 56.19% PN 21.64% Total

Non-strategic Interest

Strategic Interest

BANCO VOTORANTIM BV PARTICIPAÇÕES

BB 49.99% ON 50% Total

MAPFRE NOSSA CAIXA

BB 49% ON 49% Total

EBP

BB BI 11.11% ON 11.11% Total

BB USA HOLDING COMPANY, INC.

BB AGViena-100%ON 100% Total

BB MONEY TRANSFERS, INC.

BB USA HoldCo-100% ON

100% Total

BANCO DO BRASIL AG

VIENABB -100% ON

100% Total

ITAPEBI

BB-BI 19% ON 19% Total

KEPLER WEBER

BB-BI 17.57% ON 17.55% TotalBBDTVM 0.02% ON 0.02% Total

PRONORBB 1.77% PN 1.05% TotalBB-BI 5.51% PN 3.27% TotalBBDTVM 29.51% ON 12.02% Total

NEOENERGIA

BB-BI 8.81% ON 8.81% Total

Non-strategic InterestStrategic Interest

SBCE

BB-BI 12.09% ON 12.09% Total

BESCVAL

BB – 99.62% ON 99.62% Total

FUSESC SIM PREVBEP ECONOMUS

Banco do Brasil S.A.

Finance Ministry 51,9% Fundo Fiscal de Inv. E Estabilização 2,2% Individuals 5,9%Previ 10,4% Fundo Garantidor para Investimentos 0,3% Treasury Shares 0,0% BNDESPar 0,0% Foreign Capital 17,0% Fdo. Garantia à Exp. 4,9% Companies 7,5%

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Ownership StructureOwnership Structure

59.2

13.4

17.0

10.4

Shareholding Breakdown Free Float - %

7.210.0 11.3 11.8

17.07.6

11.7 10.2 10.0

13.4

2006 2007 2008 2009 3Q10

14.8

21.5 21.8

30.4

21.7

Foreign InvestorsFederal Government

PREVI Other

Free float: 30.4%

8

Share’s PerformanceShare’s Performance

2.53.1

1.3

2.1 1.9

2006 2007 2008 2009 9M10

1.00.8

1.41.6

1.2

2006 2007 2008 2009 9M10

2.52.0

3.44.0

2.9

2006 2007 2008 2009 9M10

8.6

14.9

4.37.5 7.8

2006 2007 2008 2009 9M10

Dividends and Interest onOwn Capital / Share – R$

Price / Book Value

Price / Earnings¹Earnings / Share – R$

(1) Profit in 12 months

9

Banco do Brasil Bradesco Itaú Unibanco Ibovespa Santander¹

(1) Since 10/07/2009, date of first operation with Unit SANB11

206.9%

128.1%

110.0%

12.4%

107.5%

12/31/2005 09/30/2010

Share’s PerformaceShare’s Performace

10

ProfitabilityProfitability

6.05.1

8.810.1

6.0

7.7

3.7

5.96.7

8.5

5.0

7.0

25.125.930.732.5

26.932.1

22.621.625.824.726.1

19.5

2006 2007 2008 2009 9M09 9M10

-80.0

-60.0

-40.0

-20.0

0.0

20.0

52.8

75.3

37.7

76.380.2

91.9

3.12.4 2.0 3.5 4.1 2.4

2006 2007 2008 2009 9M09 9M10

Recurring Income

ROE - %

Market Capitalization – R$ billion

Dividends and Interest on Own Capital – R$ billionRecurring ROE - %

R$ billion

Net Income

11

AssetsAssets

296.4367.2

521.3

708.5796.8

16.8 15.617.2

22.0 21.2

2006 2007 2008 2009 Sep/10

CAGR = 30.2%CAGR = 30.2%

Market Share¹ - % Assets – R$ billion

(1) Source: Central Bank of Brazil

12

5.64.9 4.3

4.0 4.0

10.29.710.910.711.7

2006 2007 2008 2009 Sep/10

Capital StructureCapital Structure

20.824.3

29.9

36.1

48.2

2006 2007 2008 2009 Sep/10

17.3

15.213.7 14.2

15.6

Basel

Tier IITier IShareholder’s Equity – R$ billion

13

76.9 85.5149.6

193.5 192.049.372.3

91.1

160.8 165.6

36.745.8

55.0

75.7 85.7

40.1

51.3

51.9

56.5 59.0

5.2

5.6

14.3

11.8 11.6

2006 2007 2008 2009 Sep/10

FundingFunding

208.1

362.0

498.4 513.9

260.6

R$ billion

Demand Deposits

Money Market Borrowing Saving Deposits

OtherTime Deposits

CAGR (%): 27.3

10.9

38.2

25.4

24.0

27.6

BV and BNC are included since 2009

14

24.0 32.0 48.891.8 107.451.9

65.5

97.2

125.3140.5

45.151.9

63.7

66.4

74.0

18.0

17.3

15.1

11.412.2

2006 2007 2008 2009 Sep/10

16.5 16.0 17.120.1 20.0

Loan Portfolio¹Loan Portfolio¹

Businesses AgribusinessIndividuals AbroadMarket Share² - %

(1) Loan Portfolio considering BV and BNC since 2009(2) Domestic Loan Portfolio / SFN Loan Portfolio

133.2

224.8

300.8

339.8

160.7

R$ billion CAGR (%): 28.4

14.1

49.1

30.4

11.0

15

8.3 11.9 17.636.5 42.2

9.9 11.014.4

21.224.0

2.83.8

7.6

9.410.4

20.7

25.32.4

3.0

0.9 3.0

6.72.1

2.3

2.5

1.5

2.5

2006 2007 2008 2009 Sep/10

Loans to IndividualsLoans to Individuals

Overdraft Accont

MortgageVehicle Loan

Credit Card

Other

Payroll Loans

24.0

48.8

91.8

107.4

32.0

BV and BNC are included since 2009

R$ billionCAGR (%): 49.1

41.5

26.7

54.4

142.2

10.1

16

Loans to CompaniesLoans to Companies

33.6 40.962.3

80.492.018.3

24.6

34.9

44.9

48.5

2006 2007 2008 2009 Sep/10

51.9

97.2

125.3

140.5

65.5

SMEMiddle and Corporate Companies

BV and BNC are included since 2009

R$ billion

CAGR (%): 30.4

29.6

30.8

17

36.6 40.245.2 47.3 48.0

8.511.7

18.5 19.226.0

2006 2007 2008 2009 Sep/10

Loans to AgribusinessLoans to Agribusiness

R$ billion

45.1

63.766.4

74.0

51.9

BusinessesIndividuals

CAGR (%): 14.1

7.5

34.7

18

Without insuranceWith insurance

Crop Insurance Breakdown - %Working Capital (R$ billion)

58.4%

66.6%

54.7%

35.7%

74.2%Reinsurance

Loans to AgribusinessLoans to Agribusiness

IRB30%

SCOR12%

SWISS RE12%

PARTNER RE12%

MUNICH RE9%

MAPFRE RE9%

HANNOVER2%

CATLIN3%

Other11%

Other

50%62% 61% 67%

50%38% 39% 33%

Crop 2007/2008 Crop 2008/2009 Crop 2009/2010 Crop 2010/2011*

11.6 15.5 14.9 7.0

Costs* Rural Insurance Hedge PriceSoybean 3.580 66,4% 7,0%Korn 1.223 71,2% 10,1%Rice 765 72,0% -Wheat 16 87,3% -Others 1.438 37,4% -Total 7.022 62,0% 5,3%

% Mitigated

(*) Crop 2010/2011 – up to september 2010

19

(1) Average Loan Portfolio and 12 months expenses(2) Without one-off items(3) Net of credit recovery

Required and Additional Provision / Loan Portfolio - %

Past Due Loans + 90 days / Loan Portfolio - %

Provision Expenses² - R$ million

Provision Expenses / Loan Portfolio¹ - %

Annualized Net Loss³ / Loan Portfolio - %

Credit RiskCredit Risk

5,743 5,3806,800

11,629 10,919 11,486

3.8

5.0

3.7 3.6

4.6 4.7

2006 2007 2008 2009 Sep/09 Sep/10

5.36.26.1

6.46.5

2.73.32.42.72.5

1.82.21.51.4

2.3

2006 2007 2008 2009 Sep/10

20

Net Interest IncomeNet Interest Income

21.6 25.334.5

41.7

29.739.8

15.114.7

23.9

23.7

17.7

19.7

2006 2007 2008 2009 9M09 9M10

18.120.8

24.5

33.1

23.8

29.0

R$ billion

36.7

58.4

65.3

47.3

40.0

Other Interest Revenues Loans RevenuesNet Interest Income

59.5

21

NIM¹ - %

Cumulative Selic² - %

NIM¹/Cumulative Selic² - %

NIM by Product NIM vs. Selic

Agribusiness - %

Businesses - %

Individuals - %

(1) Net Interest Income / Earning Assets(2) Annualized

NIMNIM

28.725.4

21.018.7

5.5 6.3 5.1 5.3 5.6

16.6

8.1 6.9 6.7 7.2 6.3

2006 2007 2008 2009 9M10

53.764.0 67.0

8.1 7.6 7.0 6.7 6.4

67.4

55.8

15.1 11.9 12.5 9.9 9.5

2006 2007 2008 2009 9M10

22

13.7 14.3 16.119.7

14.217.7

28.930.9

35.2

48.4

33.1

40.2

44.043.040.7

45.646.247.5

2006 2007 2008 2009 9M09 9M10

ProductivityProductivity

Administrative Expenses1 Operating Income1

Cost / Income Ratio¹ - %

(1) Without one-off items

23

ProductivityProductivity

7.9 7.88.7

10.5

7.6

9.78.9

9.9

11.8

13.5

9.9

11.6

119.8112.9

127.7136.2

128.2129.5

2006 2007 2008 2009 9M09 9M10

Personnel Expenses1 Fee Income

Coverage Ratio¹ - %

(1) Without one-off items

24

41.7 47.2 52.7 59.3 54.2 60.5

14.121.3

25.428.0

25.727.7

77.8

37.9 50.166.2

88.6 62.9

2006 2007 2008 2009 9M09 9M10

Credit and Debit CardsCredit and Debit Cards

Credit Cards Issued - million Debit Cards Issued - million

Revenues – R$ billion

CAGR (%)

19.8

10.5

55.8

78.187.3

62.9

68.5

77.8

25

90.091.3 91.1

92.0 91.8

2006 2007 2008 2009 Sep/10

39.7 39.3 39.745.4 44.2

2006 2007 2008 2009 Sep/10

82.7 81.9 89.0104.0 108.5

2006 2007 2008 2009 Sep/10

StructureStructure

Employees - thousand Points of Service - thousand

ATM - thousand Transaction in Automated Channels - %

11.1 11.3 11.6 13.0 13.2

4.0 4.0 4.34.9 5.1

2006 2007 2008 2009 Sep/10

BranchesOther

15.1 16.017.9 18.3

15.3

26

StructureStructure

Position: september 2010

Northeast

Midwest

Southeast

North

Retail: 252

Wholesale: 2

Government: 7

Private Banking: 2

South

Retail: 401

Wholesale: 5

Government: 5

Private Banking: 10

Retail: 1,019

Wholesale: 7

Government: 9

Private Banking: 12

Retail: 2,139

Wholesale: 49

Government: 6

Private Banking: 72

Retail: 1,000

Wholesale: 23

Government: 3

Private Banking: 10

5.2%

20.6%

45.0%

20.8%

8.4%

27

StructureStructure

8.2

8.5

8.6

9.3

10.7

2006

2007

2008

2009

Sep/10

Internet Banking – million of customers

38.1

15.3

8.2

10.76.8

21.0

ATMInternet IndividualsInternet BusinessesCashPOSOther

37.8

18.6

7.8

8.85.9

21.1

3Q09 3Q10

Breakdown of transactions - %

28

Asset ManagementAsset Management

182.7

220.1246.3

306.7 302.6

350.9

2006 2007 2008 2009 Sep/09 Sep/10

R$ billion

Institutional37.5%

Government25.2%

Foreign Investor

4.5%

Retail23.0%

Wholesale9.8%

Fixed Income58.4%

Multi-Strategy14.1%

Equities14.8%

Other12.7%

Customer Profile

Investment Profile

CAGR = 19.0%CAGR = 19.0%

29

252.6 240.4298.5 297.7

347.4

14.3 13.2 12.8 13.514.5

3Q09 4Q09 1Q10 2Q10 3Q10

23.725.8

24.0 25.528.4

3Q09 4Q09 1Q10 2Q10 3Q10

302.6 306.7 330.1 344.9 350.9

612.5575.0

536.7540.1531.5

3Q09 4Q09 1Q10 2Q10 3Q10

3.5 3.6 3.64.0 4.1

3Q09 4Q09 1Q10 2Q10 3Q10

Fee Income

Card Revenues

R$ billion

Insurance(1) Includes BV

Δ = 19.8%Δ = 19.8%

R$ billion

R$ million

Asset Management

Asset Management Fees¹ – R$ million

Insurance Ratio² - %

(2) Insurance Net Income / BB’s Recurring Net Income

R$ billion

Asset Management, cards and insurance businesses boost revenues.Asset Management, cards and insurance businesses boost revenues.

Δ = 15.0%Δ = 15.0% Δ = 15.9%Δ = 15.9%

Δ = 37.6%Δ = 37.6%

30

Investor Relations UnitSBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor

70073-901 - Brasília (DF)

Phone: (61) 3310 3980

Fax: (61) 3310 3735

bb.com.br

ri@bb.com.br