APIMECBANCO DO BRASIL 2017

BERNARDO ROTHE / CFO

SOCIAL-ENVIRONMENTAL AND FINANCIAL PERFORMANCE PANEL

This presentation may include references and statements,

planned synergies, estimates, projections of results, and future

strategy for Banco do Brasil, its Associated and Affiliated

Companies, and Subsidiaries. Although these references and

statements reflect the management’s belief, they also involve

estimates and unforeseen risks. Consequently, results may

differ from those anticipated and discussed here. These

expectations are highly dependent on market conditions, on

Brazil’s economic and banking system performances, as well

as on international market conditions. Banco do Brasil is not

responsible for updating any estimate in this presentation.

Disclaimer

Index

More than 200 years of history 4

Sustainability Approach 5

Fundação Banco do Brasil 6

Culture Support 7

Sponsored Sports 8

Ownership Structure 9

Share Performance 10

Market Indicators 11

Adjusted Net Income 12

Loan Portfolio 13

Loans to Individuals 14

Loans to Companies 15

Disbursements to Plano Safra 16

Disbursements 17

Quality of the loan portfolio 18

ALL Balance and Coverage Ratio 19

Delinquency control 20

Net Interest Income and Spread 21

Risk-adjusted pricing 22

Fee Income 23

Administrative expenses 24

Cost to Income Ratio 25

Common Equity Tier I 26

Guidance 2017 27

Founded in 1808

1st company listed on the stock exchange in Brazil

Diversified and stable funding

International Franchise

Diversified Businesses

More than 200 years of history

4

Sustainability Approach

5

Economic Dimension

Social Dimension

Environment Dimension

Socially Responsible

Businesses and Private Social

Investment

CSER* Governance and

socio-environmental

risk management

Environmentally responsible

businesses and conscious use

of natural resources

Most prominent global agreements

UN defined 17 sustainable development objectives

and 169 goals

Change in consumer behavior

Increasing demand for non-financial information

Stock Exchanges are demanding for more disclosure of non-

financial, risk and performance information

Growing and stricter regulation

Need to better manage risks

Market Regulators Demands Sustainability Plan – Agenda 30 BB

* Corporate Social and Environmental Responsibility

80% of the investors consider non-financial performance supervision

by senior management as "essential" or "important”1

(1) EY, Tomorrow’s Investment Rules 2.0, 2015

R$ 2.6 billion disbursed since 2007 in actions to generate jobs and income, community

development and the environment, along with education projects.

3.8 million participants

2,048 municipalities served

6,543 projects

Fundação Banco do Brasil

Education

Vetores de Atuação

Agroindustry

Water

Agroecology

Solid Waste

6

Culture Support

(1) According to The Art Newspaper article – 1st Triunfo da Cor; 2nd ComCiência and 3rd Castelo Ra-Tim-Bum.

4 Cultural Centers in the country

More than 7 million de visitors from Jan/2016 to Jun/2017

The 3 most seen exhibitions in the World in 2016¹

Rio de Janeiro Brasília São Paulo Belo Horizonte

7

Beach Volleyball

25 years partnership

13 Olympic medals

25 years partnership

9 Olympic medals

Indoor Volleyball

4 years partnership

1 world championship

Handball Running

1st edition

8 stages

24 thousand registered

Sponsored Sports

8

Social Inclusion Projects: Beach volley schools, Vivavôlei

and social activities with sports ambassadors

Social Inclusion ProjectsMinihand

R$ 2.3 billion distributed through Dividends and Interest on

Own Capital in the 9M17.

Dividend yield of 2.68% in the 3Q17 .

Free Float:

45.6%

9

Sep/17

Federal Government:

National Treasury 52.2%

Sovereign Fund 2.2%22.63

54.36

23.00

Local CapitalForeign CapitalFederal Government

(1) Does not consider the shares owned by the Company

Ownership Structure¹ and Value Generation

jan.0

2

jan.0

3

jan.0

4

jan.0

5

jan.0

6

jan.0

7

jan.0

8

jan.0

9

jan.1

0

jan.1

1

jan.1

2

jan.1

3

jan.1

4

jan.1

5

jan.1

6

jan.1

7

BBAS3 Ibovespa

BBAS3 – Closing price adjusted by proceeds between Jan 02, 2002 and Dec 05, 2017. Source: Economática.

Share Performance

10

2,280.5%

423.0%

Change BBAS3

Last 12 months 20.3%

In 2017 13.8%

5 Years 96.9%

10 Years 102.5%

15 Years 2,427.3%

Market IndicatorsEarnings per Share

Price/Book ValuePrice/Earnings 12 months

3Q17

0.971.01

2Q17

0.950.94

1Q17

0.900.86

4Q16

0.630.34

3Q16

0.840.80

9.74

3Q16

6.63

2018E¹

7.09

2017E¹

8.24

3Q17

10.96

2Q17

9.02

1Q17

11.59

4Q16

Adjusted Earnings per Share - R$Earnings per Share - R$

2018E¹

0.89

2017E¹

0.98

3Q17

1.04

2Q17

0.82

1Q17

1.05

4Q16

0.90

3Q16

0.74

3.95

2016

2.572.84

2015

4.125.05

2018E¹

4.454.58

2017E¹

3.83

11(1) Bloomberg estimative in December 04, 2017 based on analysts’ projections average. Banco do Brasil is not responsible for this information.

3.1

5.4

2.3

9M16

2.7

7.9

+45.1%

9M17

5.2

Adjusted Net Income 1HAdjusted Net Income 3Q

ROE¹

9.1% 12.3%

9M16 9M17

(1) ROE Market: reflects the metrics that leading market analysts use in their estimates.

Adjusted Net Income

12

2.751.89

Adjusted Earnings per Share - R$

R$ billion

Loan Portfolio - Expanded View¹R$ billion

1) It includes private securities and guarantees provided.

677.0

Sep/17

267.7

187.5

180.7

41.2

Jun/17

696.1

277.2

185.9

188.2

44.9

Mar/17

688.7

280.8

185.1

180.1

42.7

Dec/16

708.1

294.7

187.8

179.8

45.7

Sep/16

735.4

316.8

187.6

179.6

51.5

CompaniesIndividualsAgribusinessForeign Branches and Subsidiaries

-7.9-7.6

-11.4-11.3

-6.9

Perfomance in 12 months (%)

13

43.1

24.4

7.0

25.5

6.1

26.7

27.7

39.5

%%

Share Share

14

5.1

40.4

174.7

Sep/17

19.9

+1.2%

43.7

65.6

6.8

41.2

62.8

43.0

64.2

41.4

20.3

174.0

41.5

5.4

172.6

Sep/16

19.8

Jun/17

Mortgage Auto LoanPayroll Loan OtherSalary Loan

(1) It considers the organic Loan Portfolio.

76.9%Less risky

lines

Loans to Individuals¹R$ billion

15

-3.4%-15.5%

Sep/17

267.7

215.9

51.7

Jun/17

277.2

219.8

57.4

Sep/16

316.8

241.9

74.9

Middle Market, Corporates and Government

Very Small and Small Companies²

(1) It includes private securities and guarantees provided. (2) Companies with annual revenues up to R$ 25 million.

-9.9%

-1.8%

Chg. (%)

on Jun/17

Loans to Companies¹

Very Small and Small

Companies Disbursements

Increase in the participation of

receivables lines from 55.8% in 9M16

to 62.6% in 9M17

Capital Markets

Revenues of R$ 548 million in

9M17, growth of 13% compared to

the same period of the previous year

R$ billion

(1) It includes Rural Product Bills and guarantees provided. (2) Source: Brazilian Central Bank – Sep/2017.

60.1 % Market Share²158.2

30.0

Sep/16

179.6

149.1

30.5

-4.0%+0.6%

Sep/17

180.7

156.5

24.2

Jun/17

188.2

RuralAgroindustrial

16

+5.0%

-20.7%

Chg. (%) on Sep/16

-19.2%

-1.1%

Chg. (%) on Jun/17

Disbursements in the 3rd Quarter

Plano Safra

Crop 17/18Crop 16/17

+24.1%

19.3

64.9%

15.5%

19.6%

15.6

54.3%

18.8%

26.9%

Medium Size Producers - Pronamp

Small Producers - Pronaf

Companies

Agribusiness loan potfolio¹

Disbursements to Plano Safra reached R$ 19.3 billion

R$ billion

(1) Does not include revolving lines of credit and overdraft.

Disbursements – quarterly average¹ (1Q16 base 100)

17

136168

12312091

117100

4Q16 1Q17 2Q17 3Q173Q162Q161Q16

+49%

Brazil

195217

184

139

97106100

1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17

+100%

Individuals

123157

12111199107100

1Q16 2Q16 3Q16 4Q16 1Q17 2Q17 3Q17

+25%

Companies

126

171

86

140

91

157

100

3Q171Q16 2Q16 3Q16 4Q16 1Q17 2Q17

39%

Agribusiness

Delinquency Ratio (+90 days)¹

18

3.70 3.70

3.90

3.70

3.60

Banking Industry

3.94

Jun/17 Sep/17

4.11

3.29

Sep/16

3.50

Mar/17

3.89

Dec/16

BB

3.49

6.70

1.61

Sep/17Jun/17

2.67

5.26

2.56

Sep/16

0.96

6.83

0.99

5.83

3.09

Dec/16

1.39

Mar/17

1.28

7.35

3.34

Delinquency Ratio¹ by Segment (+90 days)¹

AgribusinessCompaniesIndividuals

(1) BB Classified Loan Portfolio.

%

Quality of the loan portfolio

186.1186.5174.4178.4175.7

ALL Balance and Coverage Ratio

3Q17

6.3

2Q17

6.7

1Q17

6.7

4Q16

7.5

3Q16

6.6

Allowance for Loan Losses

Sep/17

37.82.1

35.7

Jun/17

37.91.9

36.0

Mar/17

36.41.7

34.7

Dec/16

36.11.5

34.5

Sep/16

37.5

Supplementary ProvisionMinimum ProvisionRequired Provision

167.7

146.5 143.3152.3

159.4

BI +90 days¹

R$ billion

(1) Banking Industry: Ratio created through Average Risk Index available at SGS (Time Series Management System) of the Brazilian Central Bank

Coverage

Ratio (%)

R$ billion

19

Index

20

4.68

3Q174Q16

6.846.977.12

3Q16

9.755.59 6.22

3Q15

7.39

4Q15

9.73

1Q16 2Q16 1Q17 2Q17

1.070.811.49

0.87 1.03 1.041.38

0.731.03

New NPL / Loan Portfolio (%)²New NPL (R$ billion)¹

(1) Quarterly change in the balance of over 90 days past due transactions + current quarter write-off.

(2) It considers the Classified Loan Portfolio of the previous quarter.

(3) Flow of the Renegotiated loan portfolio contracts of over 90 days past due transactions.

3Q173Q16 2Q17

4.184.33

1Q17

4.204.43 4.58

4Q16

Cost of credit³ (%)

Total NPL Formation

Delinquency control

4.63

2Q16 3Q164Q15

3.61

3Q15

4.15 4.71

1Q16

5.02 4.55

4Q16

4.11

1Q17

6.41

3Q172Q17

2.22

New NPL (R$ billion)¹

1.58 1.731.75 1.691.26 1.432.57

1.720.95

New NPL / Loan Portfolio (%)²

NPL Formation – Companies portfolio

21

Net Interest Margin (NIM) Risk Adjusted NIM

4.565.00

1Q17

2.54

4.70

2.54

4Q16

2.542.54

4.77

3Q17

2.69

2Q17

4.83

3Q16

Net Interest Margin¹ (%)

(1) Net interest income / average balance of earnings assets, annualized.

(1) It includes senior bonds, subordinated debt, and Hybrid Instruments in Brazil and abroad.

(2) It includes the result from interest, tax hedging, derivatives, and other financial instruments that offset the effects of the exchange rate variation on result.

(3) Series revised (Funding Expense for Institutional Funding to Treasury).

Chg. (%) on

3Q16 2Q17 9M16

Net Interest Income 15,099 14,606 14,247 (5.6) (2.5) 44,008 43,330 (1.5)

Net Interest Income W/O Recovery 14,131 13,212 13,153 (6.9) (0.4) 40,796 39,886 (2.2)

Loan Operations 26,117 21,786 21,412 (18.0) (1.7) 76,506 66,809 (12.7)

Funding Expenses (11,366) (8,404) (7,814) (31.3) (7.0) (33,330) (25,972) (22.1)

Financial Expense for Institutional Funding¹ ³ (3,524) (3,040) (3,197) (9.3) 5.2 (10,358) (9,603) (7.3)

Treasury² ³ 2,904 2,870 2,753 (5.2) (4.1) 7,978 8,652 8.5

Recovery of Write-offs 968 1,394 1,094 13.0 (21.6) 3,212 3,444 7.2

9M16 9M173Q16 2Q17 3Q17Chg. (%) on

Net Interest Income and Spread

(R$ milhões)

3Q17

4.67

5.07

7.42

16.32

2Q17

4.72

5.01

7.34

16.12

1Q17

4.83

6.05

7.67

16.11

4Q16

5.00

6.34

7.98

16.60

3Q16

4.97

6.10

7.86

16.48

AgribusinessLoan Operations Companies¹Individuals

(1) Government loans not included.

Loans Spread (%)

Risk-adjusted pricing

22

23

11.5

6.0

12.6

17.5

6.6

9M16

19.2

+9.9%

9M17

Fee Income 1HFee Income 3Q

5.1

9M179M16

+11.3%

4.6

9M16

3.24.1

9M17

+26.6%

Checking Account FeesHighlights

Asset Management Fees

Fee Income increased by 9.9%R$ billion

Rigid control of administrative expenses

-2.7%

9M17

23.6

15.6

7.9

9M16

24.2

15.8

8.4

R$ billion

Administrative Expenses 1H

Administrative Expenses 3Q

Sep/16 Sep/17

Points of Service

Employees

Branches

109,159 99,305

5,430 4,871

1,736 2,062

Exclusivo Office

216 249

Estilo Office - 9

Customer Service Points 326 762

Estilo Branch

11 63

MPE¹ Office 11 39

Chg. (%)

-9.0

-10.3

18.8

15.3

-

133.7

472.7

254.5

5,192 4,511Traditional Branches -13.1

238 360Digital Service 51,3

24(1) Very Small and Small Companies.

With continuous improvement in Cost to Income Ratio¹

(1) Cost to Income Ratio: Administrative Expenses / Operating Revenues. Data from the Income Statement with Reallocations.

3Q17

38.5

2Q17

38.9

1Q17

39.3

4Q16

39.7

3Q16

39.7

25

17.5918.48 18.15 18.01

19.15

12.18 12.79 12.41 12.4213.29

9.07 9.59 9.20 9.18 10.04

Sep/16 Dec/16 Mar/17 Jun/17 Sep/17

Tier II Tier I Common Equity Tier I

%

9.5% of Common Equity Tier I in 2019

26

Organic income generation

Guidance 2017

Guidance

2017

9M17

Performance

Adjusted Net Income - R$ billion 9.5 to 12.5 7.9

NII (Net of Recovery of Write-offs) - % -4 to 0 -2.2

Organic Domestic Loan Portfolio - Expanded View - % -4 to -1 -6.9

Individuals - % 2 to 5 1.1

Companies - % -11 to -8 -16.0

Rural Loans - % 6 to 9 5.0

ALL Expenses net of Recovery of Write-offs - R$ billion -23.5 to -20.5 -16.2

Fee Income - % 6 to 9 9.9

Administrative Expenses - % -2.5 to 0.5 -2.7

27

ri@bb.com.br +55 (11) 4298-8000

Av. Paulista, 1230

18th. floor – Bela Vista

São Paulo/SP - Brasil - CEP 01310-100

www.bb.com.br/ir