Banco do Brasil S.A.

1
Banco do Brasil S.A. 1Q07
2
Economic Environment
Ratio -
2003
2004
2005
2006
1Q07
Interest Rate - Selic
Price Index - IPCA
Source Central Bank and Brazilian Institute of
Geography and Statistics - IBGE
3
Economic Environment
463
383
303
192
166
109.5
USD billions
85.8
53.8
52.9
49.3
46.1
44.7
33.6
24.8
8.7
2003
2004
2005
2006
1Q07
Sovereign Risk basis points
Trade Balance
International Reserves
Source Agência Estado, Ministry of Development,
Industry and Foreign Trade and Central Bank
4
Banking Industry
31.3
30.8
28.1
26.9
26.2
2003
2004
2005
2006
1Q07
Loan Segments Free Resources
Loan / GDP -
Businesses
Individuals
Source Central Bank
5
Loan Segments
Individual Loan Segments -
12.4
15.2
16.6
20.2
21.0
13.0
11.7
10.6
11.4
29.7
27.5
26.6
26.7
26.7
55.1
47.2
45.1
42.5
40.9
2003
2005
2006
1Q07
2004
Payroll Loan
Credit Card / Overdraft Account
Cars
Others
Source Central Bank
6
Banco do Brasil Structure

Banco do Brasil
Wholly Owned Subsidiaries
BB LEASING Co. LTD BB - 100 ON 100
Total
BB DTVM BB -100 ON 100 Total
BAMB BB -100 ON 100 Total
BB CONSÓRCIOS BB - 100 ON 100 Total
BANCO POPULAR DO BRASIL BB -100 ON
100 Total
COBRA BB-99.36 ON 99.34 total
BB LEASING BB - 100 ON 100 Total
BB BI BB - 100 ON 100 Total
BB CORRETORA BB - 100ON 100 Total
BB VIENA BB -100 ON 100 Total
BB CARTÕES BB - 100 ON 100 Total
BANCO DO BRASIL SECURITIES LLC BB - 100
ON 100 Total
BB SECURITIES BAMB -100 ON 100
Total
BB TURISMO BAMB-99.996 ON
99.996Total
ATIVOS S.A. BB BI - 49 ON 74.50
Total BAMB - 51 ON 25.50 Total
Affiliated Companies B B B I
B B
Strategic Partnerships
Strategic Partnerships
Other Partnerships
ALIANÇA DO BRASIL BB-BI 40 ON 70
Total
BRASILPREV BB-BI 49.99 ON
49.99 Total
BRASILCAP BB-BI 49.99 ON 49.99 Total
BRASIL VEÍCULOS BB-BI 40 ON 70
Total

• CLEARINGS
• CIP - BB 9.80
• BMF Câmbio
• BMF Ativos
• CBLC - BB 1.59
• BMF Derivativos

CIBRASEC BB-BI 9,09 ON 9,09 Total
VISA VALE BB BI 35 ON 37.47 Total
VISANET BB BI Classe A 35 Classe B 28.75
31.99 Total
TECBAN BB BI 8.96 ON 8.96 Total
SBCE BB-BI 12.08 ON 12.08 Total
BRASILSAÚDE BB-BI 49.92ON 49.92
Total
Non-Strategic Partnerships
Non-Strategic Partnerships
ITAPEBI BB-BI 19 ON 19 Total
KEPLER WEBER BB-BI 24.38 ON 24.38
Total
PRONOR BB BI 0 ON 3.27
Total
NEOENERGIA BB-BI 7.67 ON 7.67
Total
CADAM BB 0 ON 21.64 Total
7
Organizational Structure
General Shareholders Meeting
Board of Auditors
Board of Directors
Audit Committee
Internal Audit
Board of Officers
CEO
VP of Retail Service and Distribution
VP of Rural Businesses and Government Affairs
VP of Technology and Logistic
VP of Credit, Controlling and Risk Management
VP of Finance, Capital Market and Investor
Relations
VP of Human Resources and Social-Enviro- nmental
Responsibility
VP of International Business and Wholesale
Employee Relation And Social-Env. Responsibility
Marketing and Communication
Distribution and Retail Channels
Micro and Small Businesses
Government Affairs
Capital Markets and Investments
Human Resources
Strategy and Organization
Restructuring of Operational Assets
Agribusiness
Commercial
Controlling
Legal
Finance
Retail Services
Technology
Credit
Internal Controls
Foreign Trade
International
Risk Management
Logistic
Information Technology
Software Development
Investor Relations
Executive Secretariat
Security Management
High Income
Accounting
Operational Support
Pension Fund Management
Directorships
Regional Sustainable Development
Units
Autonomous Departments
8
Banco do Brasils Shares
Participation -
11.4
5.0
6.9
68.7
Free Float 14.8
7.9
National Treasury
Foreign Investors
PREVI
Others
BNDESPar
As of March 2007
9
Shares Performance
Price / Earnings
Price / Book Value
10
Shares Performance
Payout -
Dividend Yield -
(1) Dividend and Interest on Own Capital in the
last 12 months
11
Shares Performance
760.7
306.4
mar/03
mar/04
mar/05
mar/06
mar/07
Ibovespa
Banco do Brasil
12
Performance
2.418
862¹
564
32.1
63.0
26.8
23.0
22.3
1.498
954
29.4
746
26.7
2003
2004
2005
2006
1Q06
4Q06
1Q07
ROE -
Dividends / Interest on Capital - R million
Net Income - R million
Market Capitalization - R billion
(1) Dividends and Interest on own capital of 2H06
13
Capital Structure
18.3
17.2
17.3
17.1
15.2
13.7
2003
2004
2005
2006
1Q06
1Q07
2003
2004
2005
2006
1Q06
1Q07
BIS Ratio -
Shareholders Equity - R billion
Level 1 -
Level 2 -
14
Highlights
17.3
15.1
16.9
16.5
14.8¹
16.5
16.3
15.9
15.4
15.3
15.1
14.8
CAGR 10.9
CAGR 20.0
2003
2004
2005
2006
1Q06
1Q07
Market Share -
Market Share² -
Assets - R billion
Loan Portfolio - R billion
(2) Domestic Portfolio
(1) As of December/2007
15
Highlights
22.4
20.2
20.1
19.7
20.3¹
20.3
20.2
20.2
20.0
19.0
19.1
19.1
160.7
139.2
CAGR 12.4
CAGR 21.5
1Q06
1Q07
Market Share -
Market Share -
Assets Under Management - R billion
Deposits - R billion
(1) As of December/2007
16
Highlights
Customers - million
CAGR
8.7
8.4
Employees - thousand
Businesses
Individuals
17
Infrastructure and Technology
Distribution Network
7.6
Northeast
North
Branches 994 Others 2,881 Total 3,875
Branches 242 Others 915 Total
1,157
25.6
11.4
Midwest
Branches 390 Others 1.332 Total 1,722
36.1
Southeast
Branches 1,538 Others 3,920 Total
5,458
South
19.3
Branches 810 Others 2,111 Total
2,921
18
Infrastructure and Technology
Points of Service - thousand
Automated Teller Machine (ATM) - thousand
Branches
Others
19
Infrastructure and Technology
Transaction in Automated Channels -
Breakdown of Transactions -
1Q07
1Q06
ATM
Internet Banking
Cashier
POS
Others
20
Productivity
55.8
54.2
50.6
48.1
48.1
47.5
44.1
2003
2004
2005
2006
1Q06
4Q06
1Q07
Administrative Expenses - R billions
Operational Income - R billions
Efficiency Ratio -
21
Productivity
127.9
112.9
111.6
102.3
112.1
93.1
80.6
2.4
2.3
2.1
2.0
1.9
1.9
2003
2004
2005
2006
1Q06
4Q06
1Q07
Fee Income - R billions
Personnel Expenses - R billions
Coverage Ratio -
22
Highlights
23
Funding
R billions
228.3
208.1
181.9
168.2
160.1
150.1
2003
2004
2005
2006
1Q06
1Q07
Demand Deposits
Saving Deposits
Time Deposits
Others¹
(1) Include Interbank Deposits, Investment
Deposits and Money Market Borrowing
24
Loan Portfolio
R billions
140.4
133.2
105.5
101.8
88.6
2004
2005
2006
1Q06
1Q07
25
Delinquency
dec/03
dec/04
dec/05
dec/06
mar/07
Allowance / Loan Portfolio -
Past Due Loans 15 days / Loan Portfolio -
Past Due Loans 60 days / Loan Portfolio -
26
Loan Portfolio - Individuals
26.1
R billions
24.0
19.8
18.4
16.1
2004
2005
2006
1Q06
1Q07
Cars
Overdraft Account
Credit Cards
Payroll Loan
Others
27
Loan Portfolio - Businesses
R billions
55.2
51.9
39.8
38.5
33.4
2004
2005
2006
1Q06
1Q07
Middle and Large Enterprises
Small and Micro Enterprises
28
Loan Portfolio - Agribusiness
R billions
46.8
45.1
37.1
35.7
30.0
2004
2005
2006
1Q06
1Q07
Small-Sized Farmers
Cooperative
Mini-Sized Farmers
Other Farmers
29
Retail
14.1
14.4
9.3
9.5
6.9
5.3
Issued Credit Cards - millions
Credit Card Revenue - R billions¹
(1) Debt cards included
30
Insurance
Car Insurance
703
676
630
625
578
500
2003
2004
2005
2006
1Q06
1Q07
Managed Portfolio - R millions
Insured Cars - thousand
31
Insurance
Life Insurance
1,748
1,801
1,679
1,417
1,351
1,263
2003
2004
2005
2006
1Q06
1Q07
Managed Portfolio - R millions
Insured Lives - thousand
32
Insurance
Pension Fund
1,825
1,756
1,613
1,576
1,365
1,178
2003
2004
2005
2006
1Q06
1Q07
Managed Portfolio - R millions
Participants - thousand
33
Insurance
Capitalization (Annuity Plans)
2,899
2,817
2,949
2,792
2,661
1,653
2003
2004
2005
2006
1Q06
1Q07
Managed Portfolio - R millions
Quantity of Plans - thousand
34
Sustainable Regional Development
Strategy for job and income generation in a
sustainable way which began in 2003. Support to
environmentally correct, socially fair,
economically viable and culturally diversified
productive activities.
35
Investor Relations Unit SBS - Quadra 1 - Bloco C
- Ed. Sede III - 5 floor 70073-901 - Brasília
(DF) Phone [phone] Fax 55 (61)
3310.3735 www.bb.com.br ri_at_bb.com.br Disclaimer
- This presentation contains references and
statements, planned synergies, increasing
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
managements 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.