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1 1 st Quarter

2 Disclaimer This presentation may include references and statements, planned synergies, 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, they also involve imprecision and highly difficult risks to be foreseen. Consequently, they may conduct to a different result than 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 bringing up to date any estimate in this presentation. 2

3 Banco do Brasil: Highlights Quasi-sovereign: 58.6% controlled by the Federal Government Banco do Brasil is the largest financial franchise in Latin America Large, diversified, stable and low cost funding base Diversification of business including Insurance, Pension, Asset Management, Credit Cards, International Franchise and others Banco do Brasil maintains rapid credit growth with stable asset quality Balance Sheet Total Assets Loan Portfolio¹ Commercial Funding² Shareholders Equity Highlights and Ratios Profitability and Productivity 1Q13 Adjusted Net Income Mar/13 BRL 1.2 trillion BRL billion BRL billion BRL 62.1 billion BRL 2.7 billion 1Q13 Adjusted ROE 17.4 % 1Q13 Cost to Income Ratio³ 43.6 % 1Q13 EPS Q13 BIS Ratio⁴ % Operational Information Mar/13 Service Points⁵ 19,290 Branches 5,391 Costumers 59,437 thousand Employees 113,665 (1) Includes Private Securities and Guarantees provided (2) Includes deposits, agribusiness and real estate letters of credit and repos with corporate bonds (3) Administrative Expenses / Operating Revenues. Figures from the Income Statement with Reallocations (4) Does not incorporate Basel III rules (5) Own network 3

4 Ownership Structure Mar/13 Free Float Breakdown (%) Free Float 30.1% National Treasury¹ Previ Foreign Investors Other Treasury Shares (1) Includes the participation of BNDES Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 Foreign Investors Other Corporate Governance Banco do Brasil is compliant with the best corporate governance practices, being listed in BM&F Bovespa Novo Mercado segment. 4

5 Banco do Brasil Global Presence Brazil Total Distribution Network (1) Banking Agents and Postal Bank branches Mar/13 Own Distribution Channels 19,290 Branches 5,391 MaisBB Network¹ 18,165 Shared Distribution Channels 28,380 Total 65,835 Regional Market Share (Quantity of Bank Branches) North 29.1% Midwest Northeast 33.0% 28.0% Total = 24.1% South 24.8% Southeast 20.1% Banco do Brasil in the World Branches 13 Sub-branches 8 Representative Offices 11 Subsidiaries and affiliates 14 Shared Services Units 2 Business Units 1 Presence in 24 Countries 5

6 Leadership Assets (R$ billion Mar/13) Loan Portfolio (R$ billion Mar/13) 21.2% Market Share¹ 1, , % Market Share¹ Banco A Banco B Banco A Banco B (1) Source: Central Bank of Brazil - Market Share as of December/2012 Deposits (R$ billion Mar/13) (1) Source: Central Bank of Brazil - Market Share as of December/2012 for domestic loan portfolio Assets Under Management¹ (R$ billion Mar/13) 27.9% Market Share¹ % Market Share² Banco A Banco B Banco A Banco B (1) Source: Central Bank of Brazil - Market Share as of December/2012 (1) Does not include Banco Votorantim (2) Source: Anbima - Market Share as of March/2013 6

7 Assets R$ billion 1, , Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 Assets Market Share¹ (%) (1) Source: Central Bank of Brazil 7

8 Loan Portfolio¹ R$ billion Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 Corporates Individuals Agribusiness Offshore Market Share² - % (1) Includes private securities and guarantees provided (2) Domestic Loan Portfolio / Banking Industry Loan Portfolio. Source: Central Bank of Brazil 8

9 Asset Quality NPL + 90 days (%) Coverage Ratio (%) Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 Banking Industry BB Consolidated Banco do Brasil Banking Industry Credit Risk (R$ million) Loan Portfolio Risk Level (%) ,629 10, ,827 14,651 14,354 C 5.5 D 1.8 E-H 3.8 B 30.1 AA 32.6 Banco do Brasil AA-C Level: 94.3% Banking Industry AA-C Level: 92.3% Mar/13 Provision expenses¹ Provision expenses / Portfolio² - % (1) Information related to the income statement with reallocations - 12 months (2) 12 months average loan portfolio and expenses A

10 Commercial Funding¹ R$ billion Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 Total Deposits Agribus. LC + Real Estate LC Repos w/ Corporate Bonds Commercial Funding (1) Includes deposits, agribusiness and real estate letters of credit and repos with corporate bonds 10

11 Foreign Funding Issue Date Volume (US$ million) International bonds issued in 2012/2013 YTD Currency Term in Years Structure Rating (S&P / Moody s) US$ billion 01/20/2012 1,000 USD - Perpetual BB / - 03/05/ USD - Perpetual BB / - 06/19/ USD 10 Tier II Subordinated BB+/Baa1 09/24/ JPY 3 Senior BBB / Baa1 10/10/2012 1,925 USD 10 Senior BBB / Baa1 01/31/2013 2,000 USD - Perpetual BB / Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 Interbanking Bond Issues Corporates Individuals Repo 11

12 Earnings Highlights Net Income (R$ billion) and ROE (%) Net Interest Income (R$ billion) Q12 1Q13 Adjusted Net Income Adjusted ROE Q12 1Q13 Fee Income (R$ billion) Cost to Income Ratio¹ (%) Q12 1Q13 A Q12 1Q13 Admin Expenses (R$ billion) Cost to Income Ratio¹ (1) Administrative Expenses / Operating Revenues Information reviewed due to methodology changes. Data from the Income Statement with Reallocations. 12

13 Additional Lines of Business Capital Markets Ranking Equities¹ 4Q10 4Q11 4Q12 1Q13 Quantity of Operations 11st 10th - Volume of Operations 11st 9th 3rd - Fixed Income - Short Term Quantity of Operations 2nd 2nd Volume of Operations 3rd 2nd 2nd Fixed Income - Long Term Quantity of Operations 2nd 3rd 3rd 2nd Volume of Operations 2nd 2nd 3rd (1) There was no disclosure of equities ranking in 1Q13 Assets under Management Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 AUM (R$ billion) Market Share (%) Credit Cards T12 1T13 Debit Cards Revenues (R$ billion) Cards Revenues (R$ billion) 13

14 Capital Base BIS Ratio Evolution (%) Banco do Brasil Capitalization Breakdown R$ billion Mar/ Referential equity amount (RE) Tier I Shareholders equity Hybrid Capital - Level I Others (0.15) Tier II Subordinated Debt Hybrid Capital Level II 7.38 Others Deductions (4.46) Req. Ref. Equity Amount (RRE) Surplus of Shareholders equity vs RE - RRE Dec/09 Dec/10 Dec/11 Dec/12 Mar/13 BIS Ratio as of Mar/ Tier I Tier II 14

15 Capital Base BIS III Estimates¹ On March 1, 2013 the Central Bank of Brazil released regulation over the implementation of Basel III rules in Brazil Based on this regulation and according to its Budget and Corporate Strategy, Banco do Brasil announced the estimates below in Material Fact released on 03/05/2013: Capital Ratio Dec/13 Dec/14 Dec/15 Dec/16 Core Capital Ratio estimated 7.60% 6.93% 6.67% 6.50% Minimum requirement for Core Capital Ratio² 4.50% 4.50% 4.50% 5.75% Tier I Capital Ratio estimated 8.82% 8.55% 8.00% 7.59% Minimum requirement for Tier I Capital Ratio² 5.50% 5.50% 6.00% 7.25% (2) Considering the upper limit of the Capital Reservation Buffer (1) This statement is based on estimates of growth, projected results and future strategies of Banco do Brasil, its subsidiaries and affiliates. While these forward looking statements reflect management's best judgment based on currently available information, they involve risks and uncertainties that are difficult to predict and, thus, results or consequences may be different from those anticipated and discussed herein. Banco do Brasil s future performance is subject to external factors, including interest rates, exchange rates and market price of its securities portfolio, as well as the general economic performance of the country, sector and international markets. 15

16 Appendix 16

17 Banco do Brasil - Ratings Q13 Brazil Sovereign Standard & Poor's Long term in local currency BBB- BBB- BBB BBB BBB A- Long term in foreign currency BBB- BBB- BBB BBB BBB BBB Moody's Bank Financial Strength C+ C+ C+ C- C- Foreign currency long term debt Baa2 Baa2 Baa1 Baa1 Baa1 Baa2 Long term bank deposits - Foreign Currency Baa3 Baa3 Baa2 Baa2 Baa2 Long term bank deposits - Domestic Currency A2 A2 A2 A3 A3 Fitch Ratings Long term in local currency BBB- BBB- BBB BBB BBB BBB Long term in foreign currency BBB- BBB- BBB BBB BBB BBB 17

18 Population (million) Brazilian Macroeconomic Highlights GDP Growth (%) 7.5 Loans / GDP (%) and Brazil s Loan Portfolio Evolution Source: IBGE Social Classes Evolution ¹ Class E Class D Class C Class A/B Source: Fundação Getúlio Vargas (1) FGV Projections Mar/13 Loans/GDP (%) Banking Industry Loan Portfolio (R$ trillion) Source: Brazilian Central Bank Interest Rate (1) and Public Sector Net Debt (%) Mar/13 Interest Rate (Selic) Public Sector Net Debt Source: Brazilian Central Bank (1) Target interest rate, end of period 18

19 Contacts Investor Relations Unit SBS - Quadra 1 - Bloco C - Ed. Sede III 7th floor Brasília (DF) Telephone: +55 (61) Fax: +55 (61) bb.com.br/ir 19

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