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Apimec Meetings
Banco do Brasil
Disclaimer
This presentation may include references and statements, planned synergies, estimates,
projections of results, and future strategy for Banco do Brasil, its Associated and Affiliated
Companies, and Subsidiaries. Although these references and statements reflect the
management’s belief, they also involve estimates and unforeseen risks. Consequently,
results may differ from 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 updating
any estimate in this presentation.
Net Income
2Q15
3.0 3.0
1Q15
3.0
5.8
4Q14
3.0 3.0
3Q14
2.9 2.8
2Q14
3.0 2.8
Adjusted Net Income Net income
14.2
14.1 14.5
29.3
16.6
16.2
16.1
15.5
17.1
16.1
Adjusted ROE - % ROE - %
R$ bilion
5.4
1H15
8.8
6.1
1H14
5.5
14.2
15.5
20.9
15.3
Net Income reached R$ 8,8 billion on the First Half of 2015, corresponding to a ROE of 20.9%
57.9
10.4
21.6
7.7
2.4
National Treasury
Previ
Foreign Investors
Other
Treasury Shares
Ownership Structure and Value Creation
Free Float
29.3
2014
4.5
2013
6.3
2012
4.9
2011
4.9
1H15
3.5
2.2
1H14
R$ billion
Ownership Strucuture(%) Amount Distributed (Dividends and Interest on Own Capital)
BB distributes 40% in Dividends and Interest on Own Capital
Leaderships
20.9% Market Share¹
(1) Source: Banco Central do Brasil – March/2015
20.8% Market Share¹
(1) Source: Banco Central do Brasil – March/2015 (1) Source: Banco Central do Brasil – June/2015
24.7% Market Share¹
Bank A Bank B
Assets (R$ billion) Loan Portfolio¹ (R$ billion) Deposits (R$ billion)
1,030
1,231
1,534
463.4 566.6
776.8
195.9 208.4
445.6
Jun/2015
Bank A Bank B Bank A Bank B
(1) Source: Banco Central do Brasil – March/2015
Branches
4,628 3,863
5,544
Bank A Bank B
24.0% Market Share¹
Strong Financial Performance
Guidelines for 2015
Efficiency and Innovation
Profitability
Funding
Loan Portfolio
Other Businesses
Commercial Funding
R$ billion
634.6
214.5
118.1
148.7
74.2
48.2 31.0
Dec/13
607.2
247.3
82.6
140.7
75.8
33.6 27.2
Dec/12
515.7
263.0
34.1
117.7
74.8 9.6 16.6
Jun/15
642.2
199.3
152.6
147.3
64.8
44.0 34.2
Dec/14
LCA + LCI Savings Deposit Demand Deposits Repo Interbank Deposits Time Deposits
92.5 92.1
86.2 86.5
Adj. Net Loan Portfolio/Comm. Funding (%)
Funding Sources Diversification
LCA + LCI 41.2% in 12
months
3.8% in 12 months
Foreign Borrowings and Assets Under Management
Jun/15
50.4
21.4
17.5
7.2
3.5 0.7
Dec/14
51.1
21.1
17.0
8.9
3.4 0.6
Dec/13
51.2
20.1
15.3
10.1
3.2 2.4
Dec/12
45.0
17.5
10.9
11.2
3.2 2.2
Bond issues
Interbanking
Companies
Individuals
Repo + Special
US$ billion 22.2 % Market Share²
Jun/15
604.8
Dec/14
554.7
Dec/13
493.7
Dec/12
444.0
R$ billion
Foreign Borrowings Assets Under Management¹
(1) It does not include Banco Votorantim’s figures (2) Source: Anbima – June/2015
BB DTVM overcomes R$600 billion in assets management
12.8% in 12 months
1st
Loan Portfolio¹
776.8
Jun/15
353.3
186.9
168.3
50.2
68.3
Dec/14
760.9
354.1
179.7
164.9
62.1
Dec/13
693.1
322.3
168.2
144.8
57.8
Dec/12
580.8
270.6
152.0
108.0
21.1 20.3 20.8 21.0 Market Share (%)²
(1) Broad Concept. It includes private securities and guarantees provided. (2) Domestic Loan Portfolio/ Bank Industry Total. Source: Banco Central do Brasil.
Offshore
Companies
Individuals
Agribusiness
R$ billion
8.0% in 12 months
Best in Class Loan Portfolio ...
Individuals Loan Portfolio¹
153.6
14.4
21.4
117.9
Jun/14
142.3
14.9
19.3
108.2
+11.6%
Jun/15
158.9
15.2
21.5
122.2
Mar/15
(1) Classified Concept – Organic Portfolio.
(2) It doe not include Banco Votorantim operations and acquired portfolios.
76.9% 76.0%
R$ billion
... With concentration in loan operations with lower risk
Payroll + Salary Loans + Auto Loans + Mortgage Other Credit cards
Lower risk lines
Mortgages (R$ billion) Payroll (R$ billion)
+9.9%
Jun/15
61.1
Mar/15
59.9
Jun/14
55.6
24.6% Market Share BB had 7.0% of market share, remaining in the second position¹.
Jun/15
44.1
32.8
11.2
Mar/15
41.0
30.4
10.6
Jun/14
32.0
23.5
8.4
+37.8%
Individuals Companies
(1) Source: Banco Central do Brasil - March/2015.
Organic Portfolio • 88.8% Civil Servants • 7.4% INSS’s Retirees and Pensioners • 3.7% Private Sector Employees
Loan to Companies¹
16.9 24.3
21.6
108.7
187.4
Jun/14
335.3 16.1
19.5 16.9
101.7
181.2
+5.4%
Jun/15
353.3
18.6 22.7
24.2
105.3
182.5
Mar/15
358.9
(1) Broad Concept. It includes Private Securities and Guarantees provided.
(2) It incluides Working Capital, Receivables, Pre-Aproved-Credit, Credit Card and Overdraft Account
Trade Finance
Other
Guarantees
Investment + Corp. Bonds & Notes
Working Capital²
This portfolio reinforces the commitment with brazilian companies
R$ billion
+3.3%
Jun/15
24.1
3.2
20.9
Mar/15
25.0
3.7
21.3
Jun/14
23.4
3.6
19.7
Fampe FGO
101.1
+5.4%
Jun/15
353.3
255.5
97.8
Mar/15
359.0
258.6
100.4
Jun/14
335.3
234.2
Medium and Large Companies and Government SME²
(1) Operations Guarantee Fund and Fundo de Aval às Micro e Pequenas
Empresas.
R$ billion
Corporate portfolio by Size SME Portfolio – FGO and Fampe¹
Loan to Companies¹
(1) Broad Concept.
(2) Companies with annual revenues of up to R$ 25 million.
Foreign Trade Finance Absolute Leadership and main partner in Brazilian foreign trade
FCE/ACE Pre-Export Finance
34.0 % Market Share¹ 21.1 % Market Share²
(1) Balance - Source: Banco Central do Brasil – June/2015
(2) Source: Banco Central do Brasil – June/2015
%
34.0
18.6
12.2
3.8
5.2
11.1 2.1
21.1
12.3
16.7
10.5
5.7
11.9
1.5
Bank 5 Bank 4 Bank 6 Bank 1 Bank 2 BB Bank 3
1st 1st
Agribusiness
(1) Broad Concept. It includes Rural Product Bills and guarantees provided.
(2) Source: Banco Central do Brasil – June/2015.
Vintage 14/15 (Jun/15)
Agribusiness Loan Portfolio¹ (R$ billion) Mitigators Use (Working Capital for Input Purchase)
+5.1%
+7.6%
1st 60.5 % Market Share²
BB is the Agribusiness Bank in Brazil
+7.1%
Jun/15
168.3
33.2
135.1
Mar/15
163.4
30.4
133.0
Jun/14
157.2
31.6
125.6
Rural Agroindustrial Total disbursement in
14/15 Crop: R$ 73,3 billion
45.1% 54.9%
Not Insured
Insured
Banco Votorantim
(1) Comprised of CDC veículos (Autos Consumer Credit) and vans.
BV – Lightweight Vehicles¹ : Production per Business Channel and Delinquency
BV – Net Income(R$ million)
2T15
2.7
0.4
2.4
1T15
3.1
0.5
2.6
2T14
3.0
0.5
2.5
Car dealers (R$ billion)
Multi-brand car dealers (R$ billion)
5.1 5.1 6.5
NPL 90 - Managerial Loan Portfolio (%)
146
122
75
135 140
2Q15 1Q15 4Q14 3Q14 2Q14
Positive results over the quarters
Fee Income
12,768
+9.1%
1H15 1H14
11,703
Highlights on 1H15
Capital Market
R$ 278 mi
Asset Mgmt. Fees
R$ 2.3 bi
Fiduciary Services
R$ 237 mi
18.1%
21.9%
12.8%
Over 1H14
Consortium
R$ 205 mi 41.4%
91.1%
Account Fees
R$ 2.1 bi 9.2%
Services represent 91.1% of the Fee Income
R$ million
BB Seguridade
995949845
+30.1%
+17.7%
1H15
1,944
1H14
1,494
2Q15 1Q15 2Q14 (1) Source: Susep - June/2015
Adjusted Net Income (R$ million) Insurance’s Premiums and Collection¹
Top-notch Performance in Brazil
Insurance´s PremiumsMarket
Share %Ranking
Vehicle 16.2 2nd
Life 20.2 1st
Mortgage 6.3 3rd
CollectionMarket
Share %Ranking
Pension Plan 40.4 1st
Premium Bond 35.3 1st
Monitor Delinquencies
Asset Quality
Indicators
Asset Quality
(1) Required Provision / Classified Loan Portfolio
Risk Level– Jun/15 (%) Coverage Ratio +90 days² (%)
Average Risk¹ (%)
(2) Required Provision + Additional / Overdue +90 Days
Banco do Brasil AA-C: 94.2%
Jun/15
5.00
3.97
Mar/15
4.90
3.92
Dec/14
4.90
3.75
Sep/14
4.80
3.66
Jun/14
4.80
3.57
Mar/14
4.90
3.58
Dec/13
5.00
3.56
Sep/13
5.10
3.57
Banking Industry BB
Jun/15
205.21
172.41
Mar/15
201.58
175.00
Dec/14
195.37
181.48
Sep/14
185.93
165.52
Jun/14
192.12
165.52
Mar/14
193.47
168.97
Dec/13
191.65
178.57
Sep/13
191.88
154.55
BB Banking Industry
Monitoring methodologies reflect in Portfolio stability
AA55.3
A17.1
B17.2
C4.6
D0.8
E-H5.0
Delinquency
NPL 15 Days (%) NPL 90 Days (%)
NPL Ratio +90 days (%)
Jun/15
2.04
1.89
2.90
Mar/15
2.05
1.84
2.80
Dec/14
2.03
1.86
2.70
Sep/14
2.09
1.91
2.90
Jun/14
1.99
1.77
2.90
Mar/14
1.97
1.76
2.90
Dec/13
1.98
1.81
2.80
Sep/13
1.97
1.77
3.30
Banco do Brasil BB ex BV Banking Industry
Jun/15
1.3
4.5
4.5
Mar/15
1.3
4.7
4.6
Dec/14
1.2
3.9
4.3
Sep/14
1.1
4.1
4.3
Jun/14
0.9
3.8
4.3
Mar/14
1.1
3.8
4.6
Dec/13
1.2
3.3
4.1
Sep/13
1.1
3.6
4.4
Jun/15
0.7
2.7
2.2
Mar/15
0.8
2.5
2.2
Dec/14
0.7
2.6
2.3
Sep/14
0.6
2.7
2.4
Jun/14
0.6
2.4
2.3
Mar/14
0.7
2.2
2.4
Dec/13
0.8
2.3
2.6
Sep/13
0.7
2.2
2.5
Agribusiness Companies Individuals Agribusiness Individuals Companies
Ratios lower than the Banking Industry
Individuals Portfolio¹ SME Portfolio²
Relationship Portfolios focused on long time relationship
%
Jun/15
66.6
20.9
12.5
Mar/15
66.4
21.0
12.6
Jun/14
66.3
15.4
18.3
More than 10 years From 5 to 10 years Up to 5 years
40.7
Jun/15
33.1
26.2
Mar/15
39.4
33.0
27.6
Jun/14
38.9
30.7
30.3
(1) Classified Concept.
(2) Companies with annual revenues of up to R$ 25 million.
Efficiency and Innovation
Global Presence
Clients and Service Network Channels
Technology
Human Resources
Global Presence
Northeast 32.0%
Midwest 26.2%
North 27.9%
South 24.3%
Southeast 19.7%
(1) Banking Agents and Postal Bank branches.
Quantity of Bank Branches
(Regional Market Share)
Total = 23.4% Market Share in Brazil
Brazil Total Service Network Jun/15
Own Service Network 18,690
Branches 5,544
MaisBB Network¹ 14,574
Banco Postal 6,166
Shared Service Network 34,898
Total 68,162
Branches 11
Sub-branches 4
Representative Offices 7
Subsidiaries and affiliates 17
Shared Services Units 2
Banco do Brasil in the World
Presence in 24 Countries
Clients and Service Network Channels
Clients
62,1 million Clients
11,4 million Savers
2,3 million SMEs
2,3 million INSS’s Pensioners
ATM
44.1 thousand 17.5 thousand Bco24h 4.1 thousand BRB+CEF
Inte
rnet
-
Ind
ivid
ual
s
489.3 million Transactions 12.2 million Users
Mobility aligned with business – BB Clients can count on several network channels.
Specialized Offices
Tran
sact
ion
s
29.6 % Internet 27.6 % Mobile 22.7 % ATM 4.8 % In Person 15.3 % Other
Automated Service Channels
BB Mobile
BB Digital – Mobile (million transactions)
2Q15
894.6
2Q14
277.6
2Q13
96.7
5.5
4.2
3.1
+ 222.3% over 2Q14
Registered Users (million)
27.6% of all transactions in 2Q15 were through BB Mobile
10th Most Common App in Brazil¹
(1) Source: Mobile Time - May/2015.
1th Most Common App in Brazilian’s home screen among all
Brazilian Companies.
Portal BB Solução de Dívidas
R$ 1 billion in deals since the portal launch
Efficiency improvement in transactions renegotiation
More than 100 thousand renegotiations
Efficiency to the clients
Administrative Expenses and Cost to Income Ratio
R$ billion
42.3 42.5 44.6
Cost to Income Ratio (%)¹
(1) Administrative Expenses / Operating Revenues. Data from the Income Statement with Reallocations. Quarterly cost to income ratio accumulated in 12 months.
1H15
6.7
10.0
1H14
6.6
8.9
Other Expense Personnel Expenses
41.3 43.7
3.3
2Q15
5.1
1Q15
3.4
4.9
2Q14
3.4
4.5
Cost to Income Ratio improving every quarter
Human Resources
Profile of Staff Members Education’s Level
Changes of BB’s Staff (thousand)
Jun/14
31.1%
45.8%
22.8%
0.4% 0.4%
Others
Specialization, Master’s and Doctorate
College
High School
Jun/15
118.0 5.6
112.3
Mar/15
117.4 5.7
111.6
Dez/14
116.9 5.3
111.6
Set/14
117.9 6.0
111.9
Jun/14
117.3 5.8
111.5
Interns Employees
Jun/14 Jun/15
33.5%
44.3%
21.9%
Jun/15
41.6%
58.4% 58.4%
41.6%
Male Female
A strong Company as BB is made of people
BIS Ratio¹ ²
%
2T15
16.18
8.71
11.36
4.82
1T15
16.02
8.68
11.36
4.66
4T14
16.11
9.04
11.39
4.71
3T14
16.04
9.28
11.51
4.52
2T14
14.19
7.46
10.13
4.06
Core capital
Level I
Level II
Robust Capital
(1) Financial Consolidated. From 1Q15 on, Prudential Conglomerate.
(2) Methodology used since Oct. 01st., 2013, according to CMN Resolution 4.192/2013.
Guidance
Adjusted Return on Equity¹ 14 - 17 14.2 -
Net Interest Income 9 - 13 14.2 11 - 15
Commercial Funding² 5 - 9 3.8 -
Domestic Loan Portfolio³ - Broad Concept 7 - 11 6.4 -
Individuals 6 - 10 7.8 -
Companies 7 - 11 5.4 -
Agribusiness 10 - 14 7.1 -
Allowance for Loan Losses⁴ 2.7 - 3.1 3.1 3.1 - 3.5
Fee Income 3 - 6 9.1 -
Administrative Expenses 5 - 8 7.2 -
2015 Performance2015 Guidance New Guidance
(1) Adjusted ROE estimated for 2015 uses estimated adjusted shareholders’ equity, free from the effects of: (i) the restatement of assets and actuarial, liabilities arising from
the Deliberation CVM/695; and (ii) minority interests in controlled companies.
(2) Commercial Funding includes Total Deposits, Agribusiness Letters of Credit, Real Estate Letters of Credit and Repos with Corporate Bonds.
(3) It includes private securities and guarantees provided.
(4) Allowance for Loan Losses expenses of the last twelve months / Average Classified loan portfolio for the same period.
Sustainability
Efficiency and Innovation
Sustainability
Agenda 21 BB
Social Investment
Governance and Process
Business
Resolution
CMN 4.327
10 years of Agenda 21
Updated every 2 years
Capital Market Acknowledgment: DJSI, ISE, ICO2
DEFINITION OF THE CHALLENGES
STAKEHOLDERS PANEL
INTERNAL DEBATE
RESULTS AND ACTION PLAN
VALIDATION AND EXECUTION
ACCOUNTABILITY
Social Businesses
6,072 new transactions
5.7 million in new contracts (R$) 11,680 produced house units
37.7 billion in Portfolio (R$)
* 2Q15 information
“Profitable initiatives searching ways to solve social problems - the social businesses that use market mechanisms to resolve social problems, so as to reduce socioeconomic inequalities in a sustainable manner while ensuring income, productive inclusion and access to public services.”
5.1 billion disbursement (R$)
Sustainable Regional Development (DRS)
Society Social Inclusion
Cultural Respect
Environmental Care
Employment and Income Generation
Eco-Efficiency
22,000 volunteers
67 million (R$)
destined to the program
1 million seedlings planted
14 million benefited user
(2005 to 2015)
1.201 branches with
waste selective collection 2 million (R$)
economized (1H15)
1.483 business plans
1.916 cities served
Água Brasil
83 thousand Direct beneficiaries
Approximately 1 million of seedlings planted
665 hectares restored
829 hectares with best practices implemented
+ than 12 thousand people trained in responsible consumption, solid waste and ecologic practices
* Programa Água Brasil resources results and local partners
www.bbaguabrasil.com.br
+ than 14 million Indirect beneficiaries
Fundação Banco do Brasil Origem dos Recursos 1S15
35,37
254,89
136,16
223,90
136,18118,61
93,9980,47
1S15 2010 2013 2011 2014 2009 2008 2012
38,42
19,79
16,99
15,27
3,19 6,34Educação
Agroindústria
Água
Resíduos Sólidos
Agroecologia
Demais
Investimento Social (R$ milhões)
Vetores de Atuação 1S15 (% Investimento Total)
100% de recursos próprios
R$35,37 milhões
Investor Relations Av. Paulista, 2.163 – 2nd floor – São Paulo – SP – CEP 01311-933
Phone: +55 11 3066 9110
ir@bb.com.br | bb.com.br/ir
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