Wholesale and

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Organizational Structure

• Prominent Board Members
• Independent Audit Committee

Board of Directors Pedro Malan Chairman Pedro
Moreira Salles Vice-Chairman
Audit Committee Gabriel Jorge
Ferreira Chairman Members
Board Members
Israel Vainboim Eduardo A. Guimarães Guy Almeida
Andrade
Insurance and Pensions HR and Communication
Wholesale and Wealth Management
Treasury
Retail
Demosthenes Madureira
Márcio Schettini
Daniel Gleizer
José Rudge
Risk, Compliance and Operational Efficiency
Planning, Control, Operations and IR
Legal and Tax
Claudia Politanski
Marcos Lisboa
Geraldo Travaglia
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Loan Portfolio Growth
R Million
D Quarter
D 12 months
Portfolio highlights
Sep-06
Jun-07
Sep-07
Payroll
31.2
152.4
3,685
1,915
4,834
36.2
9.7
1,400
Own portfolio
1,536
1,128
319.1
44.3
2,285
Acquired portfolio
787
3,298
Car Loans
24.6
70.6
5,759
4,205
7,175
SMEs
9,729
37.1
12.1
10,909
7,955
Consumer Finance Companies
2,762
14.4
9.7
2,649
3,030
Credit Cards
5,412
31.2
5.0
5,680
4,330
Large Corporate
21,032
13.7
2.7
21,591
18,985
Mortgages
1,586
11.6
2.8
1,630
1,460
Other branch network loans
1.6
23.9
5,499
5,586
4,507
Individuals
12.1
20,883
16,383
23,402
42.8
Corporate
5.7
30,761
32,500
20.6
26,940
Total Portfolio
8.2
29.0
51,644
43,323
55,902
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Credit UBB x Brazilian Financial System
Sep-06 100
Credit Evolution
129
119
125
117
107
100
105
Jun-07
Sep-07
Sep-06
Dec-06
Brazilian Financial System
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Personal Loans Mix of Brazilian Financial
System
37
63
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Auto Financing
Cars Trucks Buses Loans
70.6
R Million
7,175
4,205
New vehicles
69
53
Used vehicles
31
47
Sep-06
Sep-07
Focus New Cars (Financed Units)
Focus New Trucks Buses (Financed Units)
3Q06 100
3Q06 100
3Q07
3Q07
352
149
143
139
Market
Market
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Wholesale Highlights
Export Foreign Exchange
Volume of US 6.6 billion in 9M07
As a financial agent for BNDES, Unibanco
disbursed R3 billion during 9M07, maintaining
its 3rd place in the BNDES overall ranking
BNDES
One of the Top 10 Research Houses in the 2007
All-Brazil Research Team ranking, from
Institutional Investor magazine - Awards to the
analysts of the Consumer Goods and Banking and
Financial Services Sectors
Equity Research
Origination and Distribution
58 growth in Equity average daily trade
volume 3rd place in Fixed Income Anbid Ranking
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R billion
Unibanco Asset Management
Distribution by Segment
Assets Under Management
R billion

81.0

Own Distribution
11.2
12.4
Retail
14.6
48.7
43.8
25
30
37.4
33.0
26.9
16
10
Private
7.6
Corporate
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4.7
Institutional
9.4
Dec-03
Dec-04
Dec-05
Dec-06
Sep-07
Total R 48.7 billion
September 2007
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Performance
R Million

3Q07
9M07
Net income
2,621
1,199
Result from non recurring events
736
532
Recurring net income
1,885
667

33.7
50.2
ROAE
26.5
24.5
ROAE before non recurring events
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Income Statement Summary
R Million
2Q07
3Q07
3Q06
9M06
9M07
Gross Profit from Financial Intermediation

2,621
7,231
2,481
7,689
2,660
Provisions for Loan Losses
(545)
(1,889)
(579)
(1,629)
(560)
Net Profit from Financial Intermediation
2,076
5,342
1,902
6,060
2,100
Fees from Services Rendered
910
2,600
885
2,704
925
Personnel and Administrative Expenses
(1,417)
(4,109)
(1,434)
(4,215)
(1,414)
Other Operating Income (Expenses)
(524)
(1,207)
(442)
(1,543)
(587)
1,045
2,626
Operating Income before non recurring events
911
3,006
1,024
Tax Rate
24
21
21
24
22
Net Income before non recurring events
638
1,634
566
1,885
667
Results from non recurring events
203
(460)
(460)
736
532
Net Income
841
1,174
106
2,621
1,199
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Non Recurring Events
R Million
Non Recurring Events(1)
2Q07
3Q07
9M07
285
Result from the sale of Serasa's stake
-
285
-
679
679
Change in participation on our subsidiary UPS
Gain on Redecards IPO
680
-
680
(128)
(572)
(699)
Labor, civil, and fiscal provisions
-
(47)
(47)
Provision for loan losses
(20)
(142)
(162)
Other provisions
203
Result from non recurring events
532
736
(1) Net of taxes
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Performance
R Million
Performance
3Q07
9M07
D 3Q07/3Q06
D 9M07/9M06
1,885
667
17.8
15.4
Net Income(1)
3,006
1,024
12.4
14.5
Operating Income(1)
26.5(1)
24.8
24.5(1)
23.3
23.1
11.6
11.6
21.3
9.6
9.6
9.0
9.0
3Q05
3Q07
3Q06
9M06
9M07
9M05
Annualized ROAE
Stockholders Equity (R Bln)
(1) Before non recurring events
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ROAE Evolution
R Million
26.5(1)
26.7(1)
25.8
25.1
11.6
24.8
24.7
24.2
24.0
10.8
10.3
23.3
9.9
23.0
9.8
21.0
9.6
9.3
9.5
16.1
9.0
8.7
8.4
7.9
1Q07
2Q06
3Q06
4Q06
1Q05
1Q04
1Q06
2Q05
3Q05
4Q05
2Q07
3Q07
Annualized ROAE ()
Stockolders Equity (R bi)
(1) Before non recurring events
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Highlights

• Total loan portfolio growth
• 8.2 QoQ (6.8 in the Brazilian Financial
  System)
• 29.0 YoY (24.8 in the Brazilian Financial
  System)
• Payroll loans 31.2 QoQ (152.4 YoY)
• Auto Loans 24.6 QoQ (70.6 YoY)
• SMEs 12.1 QoQ (37.1 YoY)

Loan Portfolio

• 13.8 reduction in provision for loans losses
  expenses, 9M07 vs 9M06
• Better ratio of D to H portfolio over total
  loans (4.9 vs 6.7 in September 2006)
• Better ratio of non-accrual portfolio over total
  loans (4.1 vs 5.4 in September 2006)
• 118 non-accrual loan portfolio coverage (past
  due and falling due credits)

Asset Quality Improvement
Destaques

• 1.4 reduction in Personnel and Administrative
  Expenses in 3Q07 compared to 3Q06
• Personnel and Administrative Expenses for
  companies under Unibancos direct management
• 1.0 variation compared to 3Q06
• 1.6 variation from 9M06
• Better ratio of Cost to Assets (4.4 in 3Q07
  versus 5.9 in 3Q06)

Operational Efficiency

• Unibanco ADTV(1) (Bovespa NYSE) R466 million
  in 3Q07 versus R150 million in 3Q06, a 211
  increase
• Market Capitalization(2) R37.7 billion

Stocks
(1) Average Daily Trading Volume (2) As of
November 6th, 2007
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Financial Indicators
Loan Portfolio (R Billion)
56
Total Assets (R Billion)
134
130
52
47
115
45
104
43
102
Dec-06
Mar-07
Jun-07
Dec-06
Mar-07
Sep-06
Sep-06
Jun-07
Sep-07
Sep-07
Net Profit from Financial Intermediation (R
Million)
Earnings per Share (R)
0.24(1)
2,100
0.23(1)
2,076
1,957
0.21
0.21
1,902
1,884
0.20
3Q06
4Q06
1Q07
2Q07
3Q07
3Q06
4Q06
1Q07
2Q07
3Q07
(1) Before non recurring events
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Treasury Gains
R Million
2Q07
3Q07
9M07
9M06
3Q06
Financial margin from treasury (A)
172
136
154
452
316
Gross profit from financial intermediation (B)

2,621
2,481
2,660
7,689
7,231
Net profit from financial intermediation (C)

2,076
1,902
2,100
6,060
5,342
Treasury Gains / Gross profit from financial
intermediation
5.8
5.5
5.9
6.6
4.4
(A/B)
Treasury Gains / Net profit from financial
intermediation
7.3
7.2
7.5
8.3
5.9
(A/C)
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Loan Portfolio Growth
29.0
R Million
8.2
55,902
51,644
61
43,323
Retail
59
56
Wholesale
39
41
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Jun-07
Sep-07
Sep-06
D 9M07
D Quarter
D 12 months
Brazilian Financial System
16.6
24.8
6.8
23.2
29.0
8.2
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Financial Margin
14.25
Provision for Loan Losses / Financial Margin
Selic Rate
-800 b.p.
11.25
29.1
10.6
27.9
9.0
27.2
8.5
8.1
23.3
7.1
21.8
6.7
21.1
20.8
2Q07
3Q06
3Q07
3Q07
3Q06
1Q07
1Q06
2Q07
4Q05
2Q06
Financial Margin After Provision
Financial Margin
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Asset Quality
D to H Portfolio / Loan Portfolio
Coverage D to H Portfolio
6.7
100
99

87
5.2
4.9
Sep-06
Jun-07
Sep-07
Sep-06
Jun-07
Sep-07
Coverage Non-Accrual Portfolio
Non-Accrual Portfolio / Loan Portfolio
118
5.4
115
4.5

109
4.1
Sep-06
Jun-07
Sep-07
Sep-06
Jun-07
Sep-07
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Funding and AUM
R Million
Sep-07
Jun-07
Sep-06
4,470
Demand Deposits
4,626
4,160
Savings Deposits
8,045
8,832
5,558
Core Deposits CDs
5,149
4,982
4,648
Core Deposits
17,820
17,974
14,676
29,130
Time Deposits Debentures
28,984
29,757
43,806
Total Deposits Debentures
46,804
47,731
Other Funding
39,319
41,528
26,305
Total Funding (A)
86,123
89,259
70,111
Assets Under Management (B)
47,527
48,665
42,475
137,924
Total Funding AUM (AB)
133,650
112,586
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Personnel and Administrative Expenses
Companies under Unibancos direct management
R Million
1.0
1.6
2.7
3,979
1,358
3,916
1,322
1,345
1,630
1,567
567
541
522
2,349
2,349
2,349
791
823
781
9M06
3Q06
9M07
3Q07
2Q07
Administrative Expenses
Personnel Expenses
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Fees from Services Rendered
R Million
2Q07
3Q07
3Q06
9M07
9M06
Banking fees and commissions
492
493
556
1,530
1,384
Credit Cards(1)
141
114
144
406
323
Assets under management
89
90
88
257
277
Other fees
94
97
93
277
286
Subtotal
816
794
881
2,470
2,270
Redecard(2)
57
56
44
163
234
Serasa(3)
37
35
-
71
96
Total fees from services rendered
910
885
925
2,704
2,600
(1) Hipercard Unicard
(2) In 3Q07, Unibanco changed its participation
in Redecard from 31.9 to 23.2
(3) In 3Q07, Serasas result was accounted by the
equity income method
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Efficiency
R Million
61.2
51.4
49.2
6.5
47.3
6.3
5.9
4.4
2,988
2,913
2,575
2,136
1,414
1,434
1,308
1,323
3Q07
3Q04
3Q05
3Q06
Revenues
Efficiency Ratio
Expenses
Cost to Assets
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Stocks
Units (UBBR11) and GDSs (UBB)
UBB

178
UBBR11
157
100
Sep-06
Dec-06
Mar-07
Sep-07
Jun-07
Index Weighting ()
UBBR11
Sep to Dec 07
Sep to Dec 06
May to Aug 05(2)
Unibancos Market Cap()
Ibovespa
2.278
1.881
0.984
R37.7 billion
IBrX-50
3.482
3.550
2.955
ISE Sustainability Index(1)
5.884
5.884
N/A
(1) Valid from December 2006 to November 2007.
(2) Inclusion in Ibovespa.
() As of November 6th, 2007
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Units and GDSs
R Million
Average Daily Trading Volume (Bovespa and NYSE)
37
466
104
22
339
Units (UBBR11)
42
85
362
GDSs (UBB)
215
254
43
175
31
172
84
144
19
28
16
13
13
3
65
1
1
1
25
15
12
12
2Q07
2001
1997
1999
2006
3Q07
2005
2003
1Q07
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Stock Repurchase Program
Use Unibancos resources available from the
Revenue Reserve account
Companys Objective
Unibanco Investshop Corretora de Valores
Mobiliários S.A.
Broker dealer
Authorized dates for the program
6 months, from August 10th, 2007 on
Average Price R/Unit
Amount in Units
2Q06
2Q07
1Q07
Stock Repurchase Program
3,283,100
21.28
Repurchase in 3Q07
885,000
25.25
Repurchase in October 2007
4,168,100
22.13
Total repurchased until October 23rd
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Shareholders Structure
Thousands of Shares

of Unibanco shares
Moreira Salles Group Float Units
GDS Others Total
525,398 1,074,053 28,338 1,627,789
19 38 1 58
PN Unibanco Holdings
UNITs 76.7


of Unibanco shares
PN Unibanco
1,627,789 1,074,432 98,137 2,800,358
58 38 4 100
Unibanco Holdings Float Units
GDS Others Total
1 GDS10 Units
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Ratings
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Unibanco Ratings
Moodys
Global Scale Foreign Currency
Global Scale Local Currency
Long TermDebt
Long Term Deposits
Short Term Deposits
Financial Strength
Long Term Deposits
Short Term Deposits
Baa3
Ba2
NP
A1
-
Brazil
Brazil
-
Baa3(1)
NP
B-
Ba2
P-1
A1
Unibanco
Unibanco
Standard and Poors
Foreign Currency
Local Currency
Long Term
Short Term
Long Term
Short Term
BB
B
Brazil
A-3
Brazil
BBB
Unibanco
BB
B
Unibanco
BB
B
Fitch Ratings
Foreign Currency
Local Currency
Long Term
Short Term
Long Term
Short Term
BB
B
BB
-
Brazil
Brazil
Unibanco
BBB-
F3
Unibanco
BBB-
F3
(1) The Baa3 rating was attributed to the US2
billion MTN Programme (Medium Term Note
Programme) of Unibanco - União de Bancos
Brasileiros, to the R325 million notes indexed
to the IGP-M (General Market Price Index) and
payable in US dollars issued by Unibanco Grand
Cayman Branch in February 2005, and to the
Perpetual Bond issued by Unibanco Grand Cayman
Branch in July 2005.
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