1

Banco do Brasil S.A.Banco do Brasil S.A.

20072007

2

Economic EnvironmentEconomic Environment

18.0

5.7

2005

11.3

4.5

2007

13.3

3.1

2006

17.8

7.6

2004

Interest Rate - Selic

Ratio - %

Price Index - IPCA

16.5

9.3

2003

3

Economic EnvironmentEconomic Environment

52.933.6

2004

53.844.7

2005

85.8

46.1

2006

180.3

40.0

2007

International Reserves

Sovereign Risk - basis points

Trade Balance

US$ billion

463383

303

192 222

24.8

49.3

2003

4

Banking IndustryBanking Industry

56.4

43.6

2004

52.847.2

2005

52.247.8

2006

51.948.1

2007

Business IndividualsLoan / GDP - %

Loan Segments - Free Resources %

26.2 26.9 28.130.8 34.7

60.5

39.5

2003

5

Others

Cars

Payroll Loan

Credit Cards / Overdraft Account

2004

47.2

27.5

12.4

13.0

2005

45.1

26.6

16.6

11.7

2006

42.5

26.7

20.2

10.6

Individual Loan Segments - %

Loan SegmentsLoan Segments

Fonte: Bacen

55.1

29.7

15.2

2003

44.5

25.6

20.4

9.5

2007

6

Banco do Brasil’s StructureBanco do Brasil’s Structure

COBRABB-99.36% ON

99.35% TotalBI-0.04% ON

0.04% Total

BB LEASINGBB - 100% ON

100% Total

BB VIENA BB -100% ON

100% Total

BBCARTÕESBB - 100% ON

100% Total

BB LEASING Co. LTD

BB - 100% ON 100% Total

BB DTVM BB -100% ON

100% Total

BBCORRETORA

BB - 100%ON 100% Total

BAMBBB -100% ON

100% Total

BBCONSÓRCIOS

BB - 100% ON 100% Total

BB BIBB - 100% ON

100% Total

BANCO DO BRASIL SECURITIES LLC

BB - 100% ON 100% Total

BBSECURITIESBAMB -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

ALIANÇADO BRASIL

BB-BI 40% ON 100% PN 70% Total

BRASILPREV

BB-BI 49.99% ON 49.99% Total

CIBRASEC

BB-BI 9,09% ON 9,09% Total

SBCE

BB-BI 12.09% ON 12.09% Total

BRASILSAÚDE

BB-BI 49.92%ON 49.92% Total

VISANET

BB BI 35% ON A 28,75% ON B 31,99% Total

Insurance GroupInsurance Group

ITAPEBI

BB-BI 19% ON 19% Total

BRASILCAP

BB-BI 49.99% ON 49.99% Total

KEPLER WEBER

BB-BI 21.45% ON 17.87% TotalDTVM 0.029% ON 0.02% Total

VISA VALE

BB BI 35% ON

45,69% PN 40,35% Total

PRONORBB 1.77% ON

1.05% TotalBI 5.51% ON

3.27% Total DTVM 29.51% ON

12.02% Total

Strategic Participation

Non-Strategic Participation

BRASIL VEÍCULOS

BB-BI 40% ON 70% Total

NEOENERGIA

BB-BI 8.81% ON 8.81% Total

TECBAN

BB BI 8,96% ON 8,96% Total

CLEARINGS

BM&F BB 0,36% Cotas 0,36% Total CIP BB 9,78% ON 9,78% Total

B B

Strategic Participation

CADAM

BB 56.19% ON 21.64% Total

Non-Strategic Participation

M A N A G E D

BB PREVIDÊNCIA

Entidade fechada de Previdência Privada

S P O N S O R E D

CASSI PREVIFBB

Banco do BrasilBanco do Brasil• National Treasury National Treasury

67,06% 67,06% • PREVI PREVI 10,74%10,74%• BNDESPAR BNDESPAR 2,60% 2,60%• Other Shareholders Other Shareholders

19,60% 19,60%

Other ParticipationOther Participation

R E L A T E D C O M P A N I E S / P A R T I C I P A T I O N

B B B I

C O N T R O L L E D

BANCO POPULAR DO BRASIL BB -100% ON

100% Total

F O U N D A T I O N

7

Internal StructureInternal Structure

Counsel

Internal Audit

Board of Directors

Shareholders General Meeting

Board of Auditors

ForeignTrade

Wholesale

International

SecurityManagement

ExecutiveSecretaria

Strategy andOrganization

Marketing andCommunication

Legal

InternalControls

Boards Units Autonomous Administration

Cards

New RetailBusiness

Insurance,Pension andCapitalization

High Income

Retail

Micro andSmall

Enterprises

Agribusiness

OperationalSuport

LogisticsGovernment

EmployeeRelations andSocial Env.

Resp.

Finance HumanResources

Controlling

Credit

RiskManagement

Pension FundManagement

CapitalMarkets andInvestment

InvestorRelations

Accounting

Reestructuringand Operational

Assets

Audit Committee

Distribution andRetail Channels

CEO

VP ofInternationalBusiness and

Wholesale

VP of Cards andNew RetailBusiness

VP ofTechnology

and Logistics

SoftwareDevelopment

VP of HumanResources and

SocialEnvironmentalResponsability

VP of Credit,Controlling

and RiskManagement

ITInfrastructure

Technology

VP of Finance,Capital Markets

and IR

VP ofGovernment

VP ofAgribusiness

VP of Retailand

Distribution

Regional andSustainable

Development

8

National Treasury

PREVI

BNDESPar

Foreign Investors

Others

Participation

65.3%10.5%

2.5%

10.0%

11.7%

Free Float: 21.7%

Ownership StructureOwnership Structure

5.0

2.2

2003

7.1

4.0

2.8

2004

6.8

3.5

3.4

2005

6.9

7.6

7.2

2006

14.8

11.7

10.0

2007

21.7Free Float - %

9

Share’s PerformanceShare’s Performance

1.4

2003

1.8

2004

2.0

2005

2.5

2006

3.1

2007

Price / Book Value

7.4

2003

8.6

2004

8.1

2005

8.7

2006

14.9

2007

Price / Earnings

10

Earnings / Share – R$

Dividends and Interest on Own Capital / Share – R$

Share’s PerformanceShare’s Performance

0.3

2003

0.4

2004

0.6

2005

1.0

2006

0.8

2007

1.1

2003

1.3

2004

1.7

2005

2.4

2006

2.0

2007

11

IbovespaBanco do Brasil

Bradesco Itaú

Unibanco

Dez/02 Dez/03 Dez/04 Dez/05 Dez/06 Dez/07

Share’s PerformanceShare’s Performance

1.135.3%

467.0%

713.1%

526.5%637.3%

12

ProfitabilityProfitability

3.0

2004

4.2

2005

6.0

2006

5.1

2007

26.0

2004

33.7

2005

52.8

2006

75.3

2007

Net Income - R$ billionROE - %

Capitalização de Mercado - R$ bilhõesDividends / Interest on Own Capital

17.6

2003

0.71.0

1.5

2.42.0

2.4

2003

22.3

26.832.1

23.0 22.5

13

Shareholder’s Equity - R$ billion Tier I -% Tier II - %

10.6

4.6

2004

11.7

5.4

2005

11.7

5.6

2006

Capital StructureCapital Structure

BIS Ratio - %

2007

10.7

4.9

15.617.317.1

15.213.7

2003

4.0

9.7

14,1

2004

16,9

2005

20,8

2006

24,3

2007

12,2

2003

14

239.0

2004

253.0

2005

296.4

2006

357.8

2007

Market Share % Assets - R$ billion

AssetsAssets

CAGR: 11.7%CAGR: 11.7%

(*) Economic-Financial consolidated

230.1

2003

14.0%14.8%15.1%16.5%17.3%

15

Money Market Borrowing

Demand Deposits

Saving Deposits

Others

2003

48.2

40.1

27.1

27.47.3

150.1

2004

49.7

44.5

29.0

31.15.8

160.1

2005

63.5

30.5

35.8

32.85.5

168.2

2006

76.9

49.3

40.1

36.7

5.2

208.1

2007

85.5

72.3

51.3

45.8

5.6

260.6

FundingFunding

CAGR (%): 14.8

- 6.3

13.7

17.3

Market Share - %

R$ billion

Time Deposits

15.9

15.4

21.7 20.919.1 19.6

19.8

16

FundingFunding

65.4 64.760.6

84.7

51.8

61.6

100.0

Saving Deposits

Time Deposits

Judicial Deposits

Total Deposits

Money Market Borrowing

Total Funding

Funding Cost - as % of Selic

17

Individuals

Businesses

Agribusiness

Abroad

2004

16.1

33.4

30.0

9.0

88.6

2005

18.4

38.5

35.7

9.2

101.8

2006

24.0

51.9

45.1

12.2

133.2

2007

32.0

65.5

51.9

11.4

160.7

Loan PortfolioLoan Portfolio

CAGR (%): 22.0

8.0

20.0

25.2

25.7

R$ billion

15.9

15.3

16.516.0

Market Share - %

18

Unsecured Consumer Finance

Payroll Loans Overdraft Account

Credit Card Cars

1.5

10.0

2.02.20.3

2004

16.1

9.7

2.52.20.2

2005

18.4

3.8

9.5

3.1

2.2

0.9

2006

24.0

8.3

10.5

4.3

2.42.9

2007

32.0

11.9

CAGR (%): 18.7

113.0

2.9

29.1

1.6

99.4

Consumer FinanceConsumer Finance

R$ billion

19

Small and Micro EnterprisesMiddle and Corporate Enterprises

13.2

20.2

2004

33.4

15.4

23.1

2005

38.5 18.3

33.6

2006

51.9 24.6

40.9

2007

65.5

CAGR (%): 25.2

23.1

26.5

Credit to BusinessCredit to Business

R$ billion

20

Mini SmallMiddle and Corporate Cooperative

2004

19.6

6.0

3.01.330.0

2005

22.8

7.4

3.81.835.7

2006

29.2

8. 6

5.32.0

45.1

2007

34.0

9.5

6.5

1.9

51.9

CAGR (%): 20.0

13.5

28.0

16.6

20.2

Credit to AgribusinessCredit to Agribusiness

R$ billion

21

Credit RiskCredit Risk

Provision Expenses - R$ billion

3.1

2003

3.5

2004

4.5

2005

5.7

2006

5.4

2007

4.4 4.34.7

5.0

3.7

Provision Expenses / Loan Portfolio¹ - %

(1) Average Loan Portfolio

22

Credit RiskCredit Risk

4.6

5.6

4.14.5

6.4

5.2

5.1

5.8

5.4 5.4

4.7

3.33.0

4.0

2.93.3

6.56.6

6.1

5.4

2003 2004 2005 2006 2007

Past Due Loans + 15 days / Loan Portfolio - %

Past Due Loans + 60 days / Loan Portfolio - %

Provision / Loan Portfolio - %

Average Risk - %

23

Net Interest IncomeNet Interest Income

Loan RevenuesOther Interest Revenues

2003

16.2

19.5

35.7

2004

17.1

14.2

31.3

2005

19.2

14.4

33.6

2006

21.6

15.1

36.7

2007

25.3

14.7

40.0

15.3 15.716.7

18.1

20.8

Net Interest Income

CAGR (%):

8.0

11.8

R$ billion

2.9

24

NIMNIM

2003 2004 2005 2006 2007

9.1 8.4 8.6 8.1 7.6

23.3

16.219.1

15.311.9

NIM¹ - %Average Selic - %

(1) Net Interest Income over Earning Assets

38.235.7

30.1 28.725.4

8.9 9.0 8.4 8.1

6.36.1 5.6 6.0 5.5

6.9

2003 2004 2005 2006 2007Individuals Businesses Agribusiness

NIM by Portfolio - %

25

ProductivityProductivity

Administrative Expenses¹ Operating Income¹

CAGR (%):

6.4

11.4

Efficiency Ratio - % Efficiency Ratio without Extraordinary Itens - %2003

11.3

20.1

2004

12.6

23.2

2005

13.1

27.3

2006

13.7

28.9

2007

14.5

30.9

56.0 54.248.1 47.5

51.4

46.9

R$ billion

(1) without extraordinary itens

26

ProductivityProductivity

Personnel Expenses¹ Fee Income

CAGR (%):

3.5

15.8

Coverage Ratio - % Coverage Ratio without Extraordinary Itens - %2003 2004 2005 2006 2007

6.8

5.5

7.16.6

7.5 7.6 7.98.9

7.8

9.9

102.3

108.1

127.7

93.181.0

112.9

R$ billion

(1) without extraordinary itens

27

Debit Cards Issued - million

Revenues – R$ billion

Credit and Debit CardCredit and Debit Card

18.124.3

31.637.9

49.3

37.2

2003

31.9

5.3

41.3

2004

34.4

6.9

49.3

2005

40.0

9.3

56.4

2006

42.3

14.1

69.1

2007

48.9

20.2

Credit Cards Issued - million

CAGR (%):

28.5

39.7

11.3

28

Individual Businesses

Customers - million

17.5 1.22003 18.8

19.7 1.42004 21.1

21.5 1.42005 22.9

22.8 1.62006 24.4

24.3 1.72007 26.0

CAGR (%): 8.4

8.6

9.1

StructureStructure

Employees - thousand

79.72004

83.82005

82.72006

81.92007

78.02003

29

Others Agências

Points of Services - thousand

10.0 3.22003 13.2

10.7 3.72004 14.5

10.9 3.92005 14.8

11.1 4.02006 15.1

11.3 4.02007 15.3

86.42003

88.42004

89.22005

90.02006

91.32007

Transaction in Automated Channels - %

Distribution NetworkDistribution Network

30

StructureStructure

Distribution Network by Customer

Northeast

Retail 980Wholesale 7Government 10High Income 2

Retail 1,472Wholesale 47 Government 11High Income 22Retail 801

Wholesale 22Government 6High Income 4

Retail 383Wholesale 5Government 5High Income 4

Retail 233Wholesale 2Government 7High Income 0

North

Midwest

South

Southeast

6.0%

9.9%

24.8%

38.6%

20.7%

31

StructureStructure

Transactions per Channels - %

TAA

Internet

Cash

POS

Others

4Q07

45.6

31.4

8.7

9.94.4

Internet Banking – million of customers

6.92004

7.92005

8.22006

8.52007

5.92003

47.0

30.2

10.0

9.03.84Q06

32

Asset ManagementAsset Management

Customer ProfileCustomer Profile

Retail27.9%

Wholesale 8.8%

Public Sector14.8%

InstitutionalInvestors

44.4%

Foreign Investor

4.1%

Investment ProfileInvestment Profile

Fixed Income51.5%

Multi-strategy15.7%

Equities21.4%

Others11.4%

102.7

124.0

153.5

182.7

220.1

2003 2004 2005 2006 2007

CAGR: 21.0%CAGR: 21.0%

33

Insurance - Added ValueInsurance - Added Value

720

889

1.1231.200

2004 2005 2006 2007

CAGR: 18.5%CAGR: 18.5%

R$ million

34

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

70073-901 - Brasília (DF)Phone: 55 (61) 3310-3980

Fax: 55 (61) 3310-3735

bb.com.brri@bb.com.br

DisclaimerDisclaimer - 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.

For further information access www.bb.com.br/ri