Bank Overview. Our Business. Highlights. Commercial Banking. Funding. Corporate Treasury. Private Banking

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2 Bank Overview Our Business Highlights Commercial Banking Funding Corporate Treasury Private Banking 1

3 Structural Organization Mariani Group Others 47% 73% 27% BBM Holding S.A. 51% Banco BBM S.A. 2% 100% BBM Adm. de Recursos DTVM S.A. Bacor Corretora de Câmbio e Val. Mobil. S.A. BBM Bank Ltd. (Bahamas) 2

4 Organizational Flowchart Board of Directors Pedro H. Mariani Edgard Lacerda Eduardo Mariani Glória Mariani Lúcio Santos Internal Audit Executive Committee* * Pedro H. Mariani* Exchange, Risk and Internal Controls Cassio von Gal Funding and Institutional Relations Renato Muanis Credit Sergio Freitas Private Banking Leonardo Oliveira* * * BackOffice Proprietary Trading Desk Funding and Institutional Relations Credit I Credit Analysis Risk Management Communications Credit II People and Administrative Management Internal Control Accounting / Tax Control Mgmt. Control and Compliance Human Resources Credit Control Treasury Control and Settlement Legal * Coordinator of Executive Committee. * * All diretors are part of Executive Committee. * * * Director of Ombudsman.. Corporate Treasury and Products IT 3

5 Corporate Governance Annually Semiannual Quarterly Monthly Weekly General Meeting of Shareholders Board of Directors Executive Committee Operational Risk & Internal Controls Committee Product Committee HR Committee Credit Committee Risk Committee Regulatory Committee Compliance Committee 4

6 Our Business Commercial Banking Provides credit lines in local and foreign currency for companies; Focus on companies with annual revenues exceeding R$ 200 million. Private Banking Provides financial advisory and wealth management services to high net-worth clients. Treasury Capital and liquidity management; Asset pricing. 5

7 Highlights of Financial Performance Financial Highlights Jun/ 12 Dec/ 12 Jun/ 13 Dec/ 13 Total Assets (R$ Million) 2,685 2,705 2,837 3,233 Shareholders Equity (R$ Million) Net Income (R$ Million) Return on Average Equity 8.04% 8.04% 7.02% 8.79% Total Loan Portfolio (R$ Million) 1,200 1,341 1,111 1,339 Total Funding (R$ Million) 1,808 1,943 1,798 2,140 Liquid Assets ,012 1,040 Basel Ratio (Core Tier I) 23.85% 22.03% 27.50% 23.26% Credit Leverage NIM (before Allowances for Loan Losses) % 5.41% 7.14% % 6

8 Ratings Dec/13 Aa2.br/ BR1 Ba1/ NP Ba1/ NP Bank Deposits / Domestic Currency Deposits / Foreign Currency Bank Deposits Sep/13 Risk: Low medium term risk Disclosure: Very Good 7

9 Credit Evaluation Corporate credit operations for companies with revenues from R$ 200 million; Operations as Working Capital and Trade Finance; BBM s Credit Committee must approve the credit structure, product (i), payment flows (ii) and guarantees (iii) for each presented transaction; All credit approvals granted by the Committee are valid for 90 days; All transactions are evaluated by cash flow/balance sheet and quantitative model; R$ 20 million target net exposure per economic group. 8

10 Commercial Banking Loan Portfolio R$ Million 9

11 Commercial Banking Loan Portfolio Breakdow n by Transaction Loan Portfolio Breakdow n by Sector 3% 3% 2% 5% 50% 54% 53% 48% 22% 21% 27% 24% 25% 22% 18% 23% Jun/12 Dec/12 Jun/13 Dec/13 Trade Finance Export Credit Notes Working Capital Others 10

12 Commercial Banking Loan Portfolio - Quality Ratios Jun/12 Dec/12 Jun/13 Dec/13 Past Due Above 60 days 0.1% 0.1% 1.6% 1.3% Allowances for Loan Losses Loans from (D H) 2.6% 1.6% 3.5% 3.0% 0.7% 3.3% 4.4% 3.9% Collat erals Loans from (( D H ) allowances for loan losses) / equity. 0.7% -2.1% -0.3% -1.1% 11

13 Liquidity Management Total Funding R$ Million Liquid Assets* R$ Million 1,040 1, Jun/12 Dec/12 Jun/13 Dec/13 * Liquid Assets = Cash and cash equivalents + Short-term interbank investments (Funded position, Investments in interbank deposits and foreign currency) + Fixed Income Securities (Not considering those linked to Repo transactions and guarantees) + Variable Income Securities (Not considering fund shares). 12

14 Funding Funding Breakdow n by Sector Funding Sources 15% 13% 14% 7% 35% 44% 54% 53% 5% 45% 8% 35% 9% 23% 11% 29% Jun/12 Dec/12 Jun/13 Dec/13 Demand Deposit, IFC Banknotes, Agribusiness & Real Estate Credit Bills Trade Finance Time Deposits & Interbank Deposits 13

15 Funding Maturity Profile 1 Loan Portfolio vs. Funding 2 ¹Average term of issuance ²Not considering Demand Deposits. 14

16 Treasury Asset and liability management; Sets price points for other areas; Sophisticated risk management tools; VaR limit of 2% of shareholders equity; Activities supported by a strong research team. 15

17 Private Banking Provides financial advisory and wealth management services; R$ 2.5 billion under management, grounded on: Assets under M anagement R$ Million More than 150 years of experience on the Brazilian market with a high expertise on risk management; 2,295 2,324 2,450 Consistent performance throughout the last years; 1,986 Product diversification (Open Platform); Transparency. Jun/12 Dec/12 Jun/13 Dec/13 16

18 Addresses Rio de Janeiro, RJ Praça Pio X, 98-5 th, 6 th e 7 th floors Zip Code Phone.: +55 (21) Fax: +55 (21) Salvador, BA Rua Miguel Calmon, nd floor - parte Zip Code Phone.: +55 (71) (71) Fax: +55 (71) São Paulo, SP Av. Brigadeiro Faria Lima, th floor Zip Code Phone.: +55 (11) (11) Fax: +55 (11) Nassau, Bahamas Shirley House Shirley House Street, 2 nd floor, P.O. N-7507 Phone.: (1) (242) Fax: (1) (242) Ombudsman : Phone.: Fax:

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