View
41
Download
0
Category
Preview:
DESCRIPTION
Banco do Brasil S.A. 2H07. 18.0. 17.8. 16.5. 15.3. 13.3. 12.0. 9.3. 7.6. 5.7. 3.1. 2.1. 1.5. 2003. 2004. 2005. 2006. 1H07. 1H06. Economic Environment. Ratio - %. Interest Rate - Selic. Price Index - IPCA. - PowerPoint PPT Presentation
Citation preview
1
Banco do Brasil S.A.Banco do Brasil S.A.
2H072H07
2
Economic EnvironmentEconomic EnvironmentEconomic EnvironmentEconomic Environment
Interest Rate - Selic Price Index - IPCA
Ratio - %
Source: Central Bank and Brazilian Institute of Geography and Statistics - IBGE
2003
16.5
9.3
2004
17.8
7.6
2005
18.0
5.7
2006
13.3
3.1
1H07
12.0
2.1
15.3
1.5
1H06
3
Trade BalanceInternational Reserves
Economic EnvironmentEconomic EnvironmentEconomic EnvironmentEconomic Environment
Sovereign Risk – basis points
Source: Agência Estado, Ministry of Development, Industry and Foreign Trade and Central Bank
USD billion
463383
303
192
2003
24.8
49.3
2004
33.6
52.9
2005
44.753.8
2006
46.1
85.8
1H07
20.6
147.1
19.4
62.7
1H06
240160
4
Banking IndustryBanking IndustryBanking IndustryBanking Industry
2003 2004 2005 2006 1H07
Businesses Individuals
Loan Segments – Free Resources %Loan / GDP - %
Source: Central Bank
26.2 26.928.1
30.832.3
39.543.6
47.2 47.8 49.0
60.556.4
52.8 52.2 51.0
5
Loan SegmentsLoan SegmentsLoan SegmentsLoan Segments
2003 2005 2006 1H072004
Payroll Loan Credit Card / Overdraft AccountCars Others
Individual Loan Segments - %
Source: Central Bank
45.1
26.6
11.7
16.6
42.5
26.7
10.6
20.2
42.0
26.0
10.9
21.0
47.2
27.5
13.0
12.4
55.1
29.7
15.2
6
Banco do Brasil StructureBanco do Brasil StructureBanco do Brasil StructureBanco do Brasil Structure
COBRABB-99.36% ON
99.34% TotalBI-0.03% ON
0.03% Total
BB LEASINGBB - 100% ON
100% Total
BB VIENA BB -100% ON
100% Total
BBCARTÕESBB - 100% ON
100% Total
BB LEASING Co. LTD
BB - 100% ON 100% Total
BB DTVM BB -100% ON
100% Total
BBCORRETORA
BB - 100%ON 100% Total
BAMBBB -100% ON
100% Total
BBCONSÓRCIOS
BB - 100% ON 100% Total
BB BIBB - 100% ON
100% Total
BANCO DO BRASIL SECURITIES LLC
BB - 100% ON 100% Total
BBSECURITIESBAMB -100% ON
100% Total
BB TURISMO
BAMB - 99% ONBB LEASING – 1%ON
100%Total
ATIVOS S.A. BB BI - 49% ON
74.50 % TotalBAMB - 51% ON 25.50% Total
ALIANÇADO BRASIL
BB-BI 40% ON 70% Total
BRASILPREV
BB-BI 49.99% ON 49.99% Total
CIBRASEC
BB-BI 9.09% ON 9.09% Total
SBCE
BB-BI 12.08% ON 12.08% Total
BRASILSAÚDE
BB-BI 49.92%ON 49.92% Total
VISANET
BB BI Classe A 35% Classe B 28.75%
31.99% Total
ITAPEBI
BB-BI 19% ON 19% Total
BRASILCAP
BB-BI 49.99% ON 49.99% Total
KEPLER WEBER
BB-BI 24.38% ON 24.38% TotalDTVM 0.30% ON
0.30% Total
VISA VALE
BB BI 35% ON 40.35% Total
PRONORBB 0% ON
1.05% TotalBI 0% ON
3.27% TotalDTVM 29.5% ON
12.02% Total
Strategic Partnerships
Non-Strategic Partnerships
BRASIL VEÍCULOS
BB-BI 40% ON 70% Total
NEOENERGIA
BB-BI 8.81% ON 8.81% Total
TECBAN
BB BI 8.96% ON 8.96% Total
CLEARINGS
CIP BB 9.78% ON 9.78% TotalCBLC BB 2.45% ON 2.45% Total
B B
Strategic Partnerships
CADAM
BB 0% ON 21.64% Total
Non-Strategic Partnerships
Banco do BrasilBanco do Brasil
Other Partnerships
Affiliated Companies
BB BI
Wholly Owned Subsidiaries
BANCO POPULAR DO BRASIL BB -100% ON
100% Total
7
Organizational StructureOrganizational StructureOrganizational StructureOrganizational Structure
Board of Officers
International Business and
Wholesale
Retail Serviceand
Distribution
GovernmentAffairs
Technology and Logistic
Finance,Capital Market andInvestor Relations
CEO
Human Resourcesand Social-
EnvironmentalResponsibility
Credit,Controlling and
Risk Management
Vice-Presidents
Credit and DebitCards andNew RetailBusiness
Agribusinesses
Board of Directors
General Shareholders Meeting
Board of Auditors
Audit Committee
Internal Audit
8
Banco do Brasil’s SharesBanco do Brasil’s SharesBanco do Brasil’s SharesBanco do Brasil’s Shares
National Treasury
PREVI
BNDESPar
Foreign Investors
Others
68.7
11.4
5.0
7.0
7.8
Free Float: 14.8
Participation - %
As of June 2007
9
Share’s PerformanceShare’s PerformanceShare’s PerformanceShare’s Performance
2003 2004 2005 2006 1H07
Price / Book Value
2003 2004 2005 2006 1H07
Price / Earnings
7.48.6 8.1 8.7
14.9
1.41.8 2.0
2.5
3.1
10
Share’s PerformanceShare’s PerformanceShare’s PerformanceShare’s Performance
31.3
2003
31.5
2004
36.1
2005
40.0
2006
40.0
1H07
Payout - %
2003 2004 2005 2006 1H07¹
Dividend Yield - %
(1) Dividend and Interest on Own Capital in the last 12 months
4.23.7
4.4 4.6
2.7
11
Share’s PerformanceShare’s PerformanceShare’s PerformanceShare’s Performance
Jun/03 Jun/04 Jun/05 Jun/06
Ibovespa Banco do Brasil
666.4%
311.2%
Jun/07
12
PerformancePerformancePerformancePerformance
Net Income - R$ million
ROE - %
Market Capitalization - R$ billion
Dividends / Interest on Capital - R$ million
2003
2,381
2004
3,024
2005
4,154
2006
6,044
22.3 23.0 26.832.1
2003
17.6
2004
26.0
2005
33.7
2006
52.8
1H06
52.8
2H06 1H07
746954
1,498
2,418
1H06
3,889
2H06
2,156
1H07
2,477
22.6 24.3
47.8
41.3
69.1
862 9911,555
13
Capital StructureCapital StructureCapital StructureCapital Structure
Shareholder’s Equity - R$ billion Tier I - %
BIS Ratio -%
Tier II - %
12.2
2003
14.1
2004
16.8
2005
20.8
2006
19.2
1H06 1H07 2003 2004 2005 2006 1H06 1H07
9.7
4.0
10.6
4.6
11.7
5.4
11.7
5.6
17.317.115.2
13.722.3
11.6
5.7
10.6
5.3
15.917.3
14
113.1
145.2273.8
333.0
HighlightsHighlightsHighlightsHighlights
Market Share² - %
Loan Portfolio - R$ billion
Market Share - %
Assets - R$ billion
2003 2004 2005 2006 1H06 1H07
230.1 239.0253.0
296.4
77.6
2003
88.6
2004
101.8
2005
133.2
2006 1H06 1H07
16.3 16.515.315.9
14.815.1
16.517.3
CAGR: 11.1%
(2) Domestic Portfolio(1) As of March/2007
CAGR: 19.6%
15.1¹15.116.615.7
15
208.9
HighlightsHighlightsHighlightsHighlights
Market Share - %
Assets Under Management - R$ billion
Market Share - %
Deposits - R$ billion
110.0
2003
115.5
2004
137.7
2005
158.8
2006 1H06 1H07
102.7
2003
124.0
2004
153.5
2005
182.7
2006 1H06 1H07
19.1
20.219.7
19.020.320.220.2
22.4
CAGR: 12.2%
(1) As of March/2007
CAGR: 22.5%
139.9
164.5
20.7¹19.4
171.2
19.1
19.7
16
Customers - million
HighlightsHighlightsHighlightsHighlights
Individuals Businesses Employees - thousand
2003 18.817.5 1.2
2004 21.119.7 1.4
2005 22.921.5 1.4
2006 24.422.8 1.6
1H07 24.6
1H06 23.7
1H07
2003 78.0
2004 79.7
2005 83.8
2006 82.7
1H06
CAGR:
8.5%
8.5%
23.3 1.6
22.2 1.5
79.3
82.9
17
Infrastructure and TechnologyInfrastructure and TechnologyInfrastructure and TechnologyInfrastructure and TechnologyDistribution Network
Northeast
Branches 995Others 2,895Total 3,890
Branches 1,539Others 3,923Total 5,462
Branches 810Others 2,120Total 2,930
Branches 391Others 1,327Total 1,718
Branches 242Others 917Total 1,159
North
Midwest
South
Southeast
7.7%
11.3%
25.7%
36.0%
19.3%
18
Infrastructure and TechnologyInfrastructure and TechnologyInfrastructure and TechnologyInfrastructure and Technology
Branches Others
Points of Service - thousand
Automated Teller Machine (ATM) - thousand2003 13.23.2 10.0
2004 14.43.7 10.7
2005 14.83.9 10.9
2006 15.14.0 11.1
3.9 11.01H06 15.0
4.0 11.21H07 15.2
1H07
37.02003
39.02004
40.22005
39.72006
1H06
40.0
41.7
19
Infrastructure and TechnologyInfrastructure and TechnologyInfrastructure and TechnologyInfrastructure and Technology
Transaction in Automated Channels - %
ATM
Internet BankingCashier
POS
Others
Breakdown of Transactions - %
1H06 1H07
2004 88.4
2005 89.2
2006 90.0
1H06 89.0
1H07 89.9
86.42003
47.3
31.1
11.0
6.8 3.7
45.9
32.2
10.1
7.84.0
20
Administrative Expenses - R$ billion Operational Income - R$ billion
ProductivityProductivityProductivityProductivity
Efficiency Ratio - %
11.3
20.3
12.6
23.2
13.1
27.3
13.7
28.9
2003 2004 2005 2006 1H06 2H06 1H07
55.8 54.248.1 47.5
6.7
14.7
7.1
14.2
7.5
15.3
49.1
45.5
49.7
21
Fee Income - R$ billionPersonnel Expenses - R$ billion
Coverage Ratio - %
ProductivityProductivityProductivityProductivity
2003 2004 2005 2006 1H06 2H06 1H07
6.8
5.5
7.16.6
7.5 7.6 7.9
8.9
112.9102.3
93.180.6
3.94.3 4.0
4.5 4.44.8
110.1113.6112.2
22
Net Interest IncomeNet Interest IncomeNet Interest IncomeNet Interest Income
2004 2005 2006 1H06 2H06 1H07
17.1
11.3
2.9
15.8 19.2
12.4
2.0
16.8 21.6
13.5
1.6
18.7
10.4
6.8
0.9
9.4 11.2
6.7
0.7
9.3 12.2
6.2
1.3
9.6
R$ billion
Security Revenues
Loan Revenues
Other Interest RevenuesInterest Expense
Net Interest Income
15.516.7
18.0
8.7 9.3 10.1
23
FundingFundingFundingFunding
R$ billion
Demand Deposits Saving Deposits
Time Deposits Others¹
2003
150.1
2004
160.1
2005
168.2
2006
208.1
1H06
191.4
1H07
239.3
(1) Include Interbank Deposits, Investment Deposits and Money Market Borrowing
48.2
47.3
27.4
27.1
49.7
50.3
31.1
29.0
63.5
36.0
32.8
35.8
76.9
54.4
36.7
40.1
69.4
57.5
33.2
31.4
81.4
80.2
40.8
36.8
24
Loan PortfolioLoan PortfolioLoan PortfolioLoan Portfolio
16.1
33.4
30.0
9.0 18.4
38.5
35.7
9.224.0
51.9
45.1
12.2
2004 2005 2006 1H06 1H07
IndividualsBusinesses Agribusiness Abroad
R$ billion
88.6101.8
133.2
113.1
145.2
41.7
39.9
21.6
9.9
56.3
48.8
27.9
12.2
25
DelinquencyDelinquencyDelinquencyDelinquency
6.1
7.4
6.5
3.13.6
2.8
6.1
4.1
5.04.6
5.0
3.2
Jun/04 Jun/05 Jun/06 Jun/07
Allowance / Loan Portfolio - %
Past Due Loans + 15 days / Loan Portfolio - %
Past Due Loans + 60 days / Loan Portfolio - %
26
Loan Portfolio - IndividualsLoan Portfolio - IndividualsLoan Portfolio - IndividualsLoan Portfolio - Individuals
2004 2005 2006 1H06 1H07
Cars
Payroll Loan
Overdraft Account Credit Cards
Others
16.1
18.4
24.0
R$ billion
0.3 2.2
2.01.5
10.0
0.2 2.2
2.5
3.8
9.7
0.92.2
3.1
8.3
9.5
21.6
0.42.6
2.7
6.0
9.9
27.9
1.7
2.6
3.4
10.2
9.9
27
Loan Portfolio - BusinessesLoan Portfolio - BusinessesLoan Portfolio - BusinessesLoan Portfolio - Businesses
2004 2005 2006 1H06 1H07
13.2
20.2
15.4
23.1
18.3
33.6
Middle and Large EnterprisesSmall and Micro Enterprises
33.4
38.5
51.9
41.7
56.3
R$ billion
16.6
25.1
21.4
35.0
28
Loan Portfolio - AgribusinessLoan Portfolio - AgribusinessLoan Portfolio - AgribusinessLoan Portfolio - Agribusiness
Mini-Sized Farmers
Small-Sized Farmers
Other Farmers
Cooperative
2004 2005 2006 1H06 1H07
1.3 3.1
6.0
19.6
1.83.8
7.4
22.8
2.05.3
8.6
29.230.0
35.7
45.1
39.9
48.8R$ billion
1.8 1.94.4
7.6
26.1
5.9
9.1
31.9
29
RetailRetailRetailRetail
Credit Card Revenue - R$ billion¹
Issued Credit Cards - million
(1) Debt cards included
18.1
2003
24.3
2004
31.6
2005 2006 1H06 1H07
14.1
9.3
6.95.3 37.9
17.6
22.7
9.9
15.7
30
InsuranceInsuranceInsuranceInsurance
Managed Portfolio - R$ millionInsured Cars - thousand
Car Insurance
171.8
238.7
318.5
367.0
2003 2004 2005 2006 1H06 1H07
676625
578500
351.3
405.2
718635
31
InsuranceInsuranceInsuranceInsurance
Managed Portfolio - R$ millionInsured Lives - thousand
Life Insurance
2003 2004 2005 2006 1H06 1H07
570.5
680.6717.1
820.1
1,2631,351 1,417
1,748
753.7826.3
1,8241,685
32
InsuranceInsuranceInsuranceInsurance
Managed Portfolio - R$ millionParticipants - thousand
Pension Fund
2003 2004 2005 2006 1H06 1H07
5,586
7,781
9,659
12,480
1,1781,365
1,5761,760
10,741
14,061
1,9031,652
33
InsuranceInsuranceInsuranceInsurance
Managed Portfolio - R$ millionsQuantity of Plans - thousand
Capitalization (Annuity Plans)
2003 2004 2005 2006 1H06 1H07
2,0602,264
2,875 2,886 2,822 2,727
2,768
2,661
2,792
2,949
2,851
2,859
34
Sustainable Regional DevelopmentSustainable Regional DevelopmentSustainable Regional DevelopmentSustainable 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.
2004 2005 2006 1H06 1H07
Contracted Amount - R$ million 13.6 105.4 313.8 230.0 477.6 Benefited Families (thousand) 16.8 70.6 230.9 149.1 307.3 Involved Branches 428 1,482 2,502 1,693 3,586 Skilled Employees 1,370 4,062 6,052 5,469 9,788 Served Municipalities 642 1,503 2,788 1,830 3,343 Approved Business Plans 120 375 1,020 710 1,529 Productive Activities 40 70 70 70 70
35
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
www.bb.com.brri@bb.com.br
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
Recommended