1
Banco do Brasil1Q07 Results
Banco do Brasil1Q07 Results
2
2,343
1,546
907
1,2481,409
1Q06 2Q06 3Q06 4Q06 1Q07
63.0
36.319.8
26.7 29.4
Net IncomeNet IncomeNet IncomeNet Income
647
938Δ=12.9%
Δ= 50.2%¹
R$ million
(1) Change over recurring net income
832
22.5
14.2 18.0
Net Income
ROE (Annualized) - %
Recurring Net Income
Recurring ROE (Annualized) - %
3
Net Interest IncomeNet Interest IncomeNet Interest IncomeNet Interest Income
1Q06 3Q06 4Q06 1Q072Q06
R$ million
4,406 4,312 4,4034,855 4,852
3,521
5,095
275
4,4863,283
5,339
588
4,8983,405
5,361
330
4,6933,274
5,816
397
4,6313,043
6,101
506
4,798
Expenses Securities Loans OthersNII
4
Net Interest MarginNet Interest MarginNet Interest MarginNet Interest Margin
(1) Net Interest Income over earning Assets
NIM Annualized¹ - %Selic Rate Annualized - %
AgribusinessesBusinessesIndividuals
Annualized NIM by Loan Portfolio - %
1Q06 2Q06 3Q06 4Q06 1Q07
8.5 8.1 7.9 8.4 7.9
17.215.7 14.6 13.6 12.9
1Q06 2Q06 3Q06 4Q06 1Q07
6.1 5.7 5.2 6.4 7.0
8.4 8.9 8.5 8.0 7.3
31.7 33.0 31.4 31.828.9
5
R$ billion
Loan PortfolioLoan PortfolioLoan PortfolioLoan Portfolio
Businesses Agribusinesses Individuals Abroad
1Q06 2Q06 3Q06 4Q06 1Q07
39.8
37.1
19.8
8.9
105.5
41.7
39.9
21.6
9.9
113.1
44.4
40.3
23.2
10.4
118.3
51.9
45.1
24.0
12.2
133.2
55.2
46.8
26.1
12.3
140.4
Δ % Over1Q06 4Q06
33.0 5.4
38.8 1.1
32.1 8.9
26.2 3.8
38.5 6.3
6
R$ billion
Loan Portfolio - IndividualsLoan Portfolio - IndividualsLoan Portfolio - IndividualsLoan Portfolio - Individuals
Car Loans Credit Card Overdraft Account Payroll Loans Others
1Q06 2Q06 3Q06 4Q06 1Q07
2.72.4
6.0
10.1
2.82.3
7.4
10.1
3.1
2.1
8.3
9.6
3.2
2.7
9.3
9.7
2.62.5
9.8
4.7
0.2 0.4 0.6 1.20.9
19.821.6
23.2 24.026.1
Δ % Over1Q06 4Q06
32.1 8.9
(0.4) 1.2
7.9 25.8
21.8 3.8
99.0 12.6
421.7 34.4
7
1Q06 2Q06 3Q06 4Q06 1Q07
BB
Banking Industry
Banking Industry
BB
Credit RiskCredit RiskCredit RiskCredit Risk
Average Risk - %
Required Provision over Past Due Loans + 90 days - %
213.9 214.0 222.7
172.7 166.9 168.1
211.1
174.1 177.3173.9
6.6
6.66.9
5.4
6.8
5.4
6.7 6.66.26.2
8
Delinquency and Provision for Credit RiskDelinquency and Provision for Credit RiskDelinquency and Provision for Credit RiskDelinquency and Provision for Credit Risk
(1) Average Portfolio and Expenses of the past 12 months
Provision Expense - R$ million
Provision Expense over Loan Portfolio¹ - %
1Q06 2Q06 3Q06 4Q06 1Q07
Provision over Loan Portfolio - %
Past Due Loans + 15 days over Loan Portfolio - %
Past Due Loans + 60 days over Loan Portfolio - %
1,345
1,757
1,3851,257
1,431
4.95.5 5.6
5.0 4.8
1Q06 2Q06 3Q06 4Q06 1Q07
7.3 7.4 7.4
6.5 6.56.0
5.0 5.2
4.1 4.2
4.33.6 3.8
2.9 2.8
9
Credit Risk Provisions BreakdownCredit Risk Provisions BreakdownCredit Risk Provisions BreakdownCredit Risk Provisions Breakdown
R$ million
Required Provision Additional Provision Total Provision
7,662 8,2097,238 7,5516,982
752 5481,397
1,582
749
8,414 8,757 8,6359,133
7,731
Mar/06 Jun/06 Sep/06 Dec/06 Mar/07
10
DepositsDepositsDepositsDeposits
R$ billion
Mar/06 Jun/06 Sep/06 Dec/06 Mar/07
Saving Deposits Demand Deposits Time Deposits Others
139.2 139.9144.9
158.8 160.7
33.0 33.2 34.4 36.7 38.9
31.9 31.4 32.4 40.1 35.6
68.9 69.4 72.376.9 80.9
6.0
5.2 5.3
5.4 5.7
Δ % Over1Q06 4Q06
15.4 1.1
(2.2) 2.0
17.3 5.1
11.6 (11.2)
18.1 6.1
11
Fee IncomeFee IncomeFee IncomeFee Income
R$ million
Products Customers Others
1Q06
1,088
667
348
2Q06
1,146
715
385
3Q06
1,133
713
406
4Q06
1,143
722
422
1Q07
1,227
742
4082,103 2,246 2,252 2,287 2,377
Δ % Over1Q06 4Q06
13.0 3.9
17.2 (3.3)
11.3 2.8
12.8 7.3
12
AUM - R$ billion
21.8
1.4
1Q06
22.2
1.5
2Q06
22.6
1.5
3Q06
22.8
1.6
4Q06
23.0
1.6
1Q07Individuals Businesses
169.2
1Q06
171.2
2Q06
180.6
3Q06
182.7
4Q06
193.1
1Q07
20.119.7 19.7
19.1 19.1
Market Share - %
Customers and Asset ManagementCustomers and Asset ManagementCustomers and Asset ManagementCustomers and Asset Management
Customers - thousand
Δ=5.7%
Δ=14.1%
23.3 23.7 24.624.424.1
13
Value Added¹ - R$ million
InsuranceInsuranceInsuranceInsurance
236
1Q06
245
2Q06
250
3Q06
300
4Q06
315
1Q07
(1) Includes equity income, fee income, brokerage and asset management income
Δ=4.8%
Δ=33.7%
14
Credit CardsCredit CardsCredit CardsCredit Cards
(1) Includes fee income, financing income, equity income and others.
441
1Q06
454
2Q06
486
3Q06
558
4Q06
508
1Q07
Δ= - 8.9%
Δ=15.1%
Value Added¹ - R$ million
15
Credit CardsCredit CardsCredit CardsCredit Cards
9.2
1Q06
8.9
2Q06
9.4
3Q06
11.3
4Q06
11.1
1Q07
Revenues¹ - R$ billion
9.511.4
14.1 14.4
9.9
Credit Cards - million
(1) Includes Credit Cards and Debit Cards
Δ= - 0.9%
Δ=20.5%
16
Administrative ExpensesAdministrative ExpensesAdministrative ExpensesAdministrative Expenses
R$ million
(1) Legal risk is not included.
1,781
1,331
1Q06
1,839
1,383
2Q06
1,804
1,378
3Q06
1,846
1,516
4Q06
1,748
1,401
1Q07
Personnel Expenses¹ Other Administrative Expenses¹
3,156 3,253 3,216 3,3963,186
Δ % Over1Q06 4Q06
1.0 (6.2)
5.2 (7.6)
(1.8) (5.3)
17
83.4
10.5
1Q06
82.9
10.5
2Q06
82.6
10.2
3Q06
82.7
9.9
4Q06
82.5
10.1
1Q07
Employees Interns
Branches Others
Human Resources and LogisticsHuman Resources and LogisticsHuman Resources and LogisticsHuman Resources and Logistics
Points of Service - thousand
Workforce - thousand
1Q06
3.9
10.9
2Q06
3.9
11.0
3Q06
4.0
11.1
4Q06
4.0
11.1
1Q07
4.0
11.2
14.9 15.0 15.115.115.0
18
Productivity RatioProductivity RatioProductivity RatioProductivity Ratio
112.1 112.2 113.4 112.9127.9
Fee Income Personnel ExpensesCoverage Ratio¹ - %
R$ million
1Q06 2Q06 3Q06 4Q06 1Q07
2,103 2,246 2,252 2,287 2,377
1,8762,001 1,945 2,050
1,859
(1) Year to Date
19
48.1 45.5 46.5 47.5 44.1
Administrative Expenses Operating Income
Productivity RatioProductivity RatioProductivity RatioProductivity Ratio
Efficiency Ratio¹ - %
R$ million
1Q06 2Q06 3Q06 4Q06 1Q07
3,237 3,451 3,443 3,614 3,325
6,726
7,978
7,064 7,1387,532
(1) Year to Date
20
Hybrid Private Label: from 68 thousand cards in Dec/06 to 155 thousand in Mar/07.
Five new partnerships with retailers in 2007, totaling 18;
Contracts reached R$ 16 million with R$ 1.7 million disbursed in less than two months;
Disbursements expectation until year’s end: R$ 650 million;
Own Portfolio: estimated to be implemented in the 2H07.
Retail StrategiesRetail StrategiesRetail StrategiesRetail Strategies
Partnerships with Retailers
Car loans
Mortgage Loans
694 formalized agreements (car dealers and multibrand);
Localiza: R$ 28 million contracted in 1,4 thousand operations;
Other partners: R$ 50 million contracted in 2.5 thousand operations in the 1Q07.
21
Investor Relations UnitSBS - Quadra 1 - Bloco C - Ed. Sede III - 5° floor
70073-901 - Brasília (DF)Phone: 55 (61) 3310.3980
Fax: 55 (61) 3310.3735
DisclaimerDisclaimer - This presentation contains references and statements, planned synergies, increasing 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, 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.
For further information access www.bb.com.br/ri
Top Related