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Brazil 2009 Tenth Annual CEO Conference
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We create value to our shareholders...
2.6
2.2
1.8
1.7
2.1
1.3
1.3
1.4
1.3
1.5
507.3
367.2
239.0
253.0
32.1
26.8
26.1
22.2
22.5
23.0
296.4
22.8
19.5
R$ billion
6.0
2005
Assets1
2006
2007
Recurring ROA
2008
ROA
2004
2
6.7
3.4
3.7
5.1
2005
2006
2007
Recurring Net Income
Net Income
1 Consolidated
5.9
4.2
3.0
- R$ billion
24.7
8.8
CAGR: 20.7%
2004
32.5
2008
Recurring ROE %
Net ROE %
… which is also seen in our 2009 commitments.
Domestic Credit Portfolio
Net Interest Margin
Domestic Credit Portfolio
Individuals: 23% - 25%
6.8% - 7.2%
Total: 13% - 17%
Companies: 16% - 19%
Agribusiness: 2% - 5%
Fee Income
Recurring ROE
Total Deposits
5% - 8%
19% - 22%
10% - 14%
Administrative Expenses
Tax Rate
9% - 12%
26% - 29%
Provision for
Loan Losses
3.8% - 4.2%
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Relating to credit, we foresee…
Individuals
Companies
Payroll Loans
• BNDES disbursement leadership.
• Leverage the public servant
customer base from payroll
purchases and state banks
acquisitions.
• Capital Markets structure
strengthening.
• Operational activities specialization
and centralization.
Auto Loans
• Synergic join venture with Banco
Votorantim aiming at auto loans
market share growth.
4
• Increase share in the credit
cooperative market.
• Keep up as SME’s main partner.
5% mortgage market share by 2013.
Disbursements2 - R$ billion
30
361
Business opportunities
291
•
•
•
•
18
10
3
5
Assets growth
Income fees increase
Customer base expansion and fidelity
Companies financing
2004 2005 2006 2007 2008 2009 2010
105
Mortgage- % GDP
17
14
11
4
2
Argentina
Brazil
26
France
Japan
USA
36
China
2 Banking Industry - Savings
Portugal
1 Estimates
43
Italy
5
England
Source: ABECIP
Netherlands
50
Chile
69
Germany
75
Banco do Brasil’s Agribusiness market share maintenance.
Opportunities
• Recovery of international
demand
• Strong domestic market
• Production raise capacity
• USA subsidies decrease
• Agro-energy
Banco do Brasil’s Guidelines
Maintain
Market
Leadership
Grow Agro book
but decrease
its share in BB’s
total credit portfolio
Increase risk
mitigators use
Brazilian Production
Growth1
Soybean
Corn
Meat
6
+ 34.7%
+ 25.0%
+ 51.1%
1 Source: MAPA, Crop 2018/2019 expected growth in relation to Crop 2007/2008
Reduce over
rolled book
Keep operations
under reserve
requirements level
Agro book
mostly with
controlled rates
Focus on short
term
operations
Improve
Agro book
risk
Social-environmental
Responsibility
Active role in the Foreign Trade with efficiency gains.
2009 Estimates
Foreign
Exchange
US$ 73 billion
Financing
US$ 17 billion
Initiatives BB
• Online Foreign Trade / Digital Signature
Exporting
US$ 44 billion
28% share
Exporting
US$ 14 billion
• Documents Digitalization / Electronic File
• International Trade Bureau
• Vanguard in Foreign Trade Credit Card
Importing
US$ 29 billion
25% share
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Importing
US$ 3 billion
• Consult and training in international
business
Cards’ Market Opportunities: 22% market share by 2014.
Cards’ Market Billing Potential
with the perspective of
market share increase by BB
15.6%
Share BB – 17%
Share BB - 22% 2014
900
867
• Platform integrated to banking
630
services granting more synergy
532
with check account.
446
• Replacement of other payment
375
302
means.
245
159
04
8
• Low income customers attractions.
200
05
06
• Multiple Functions Card.
• Access to a different kinds of credit
741
R$ billion
Initiatives BB
07
08
09
1 Souerce: ABECS, BCG/BB analysis.
10
11
12
13
14
Insurance: doubled by 2013 following market expansion.
Expected market by 2013:
Insurance ( % GDP ) - 2006 Ranking
Capitalization - R$11 billion
Supplementary Pension Plan - R$68 billion
17.4
Auto - R$32 billion
Life - R$18 billion
11.2
Health - R$12 billion
10.5
8.9
7.5
BB Initiatives
7.0
9
3.2
2.8
Chile
Brazil
India
Italy
USA
Germany
• Grow partnerships
Japan
• Grow selling through call center and
Internet
France
• Grow cross-selling in traditional
means
England
• Intensify selling through brokerages
Spain
5.3 4.9
Processes optimization due to improvements in technology
and back-office model seeking productivity gains
Back-office model restructuring and IT platform modernization
Back-office
platform creation
all around Brazil
Digitalization of all
documents, including the
pre-existing ones
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Modernization of
BB’s ATMs
network, the
largest of Latin
America
Linux install in all
automated teller
machines
Mainframe
structure and
processing revision
New data
ware center
Business management generate sustainable results.
Agenda 21
Social
Processes,
Products
and
Services
Economic
Credit and
Socioenvironmental
analysis
Environmental
Eco-efficiency
Transparency
Program
GRI
Sustainability in BB’s
businesses.
3,000
2,500
2,100
1,700
1,211 1,300
Regional Sustainable Development
726
Families Involved - thousands
2013
2012
2011
2010
2009
2008
2007
231
2006
11
2005
71
Customers Return Expansion
Distribution
Alternative Means
Wide Distribution
Network
Customers
Diverse Product
Portfolio
New
Products
Portfolio
+
48 million
+
9 million
Organic Growth1
8.2% a.a.
Ease Access
ATMs
12
1 Check Accounts CAGR since 2004
New
Technologies
Investor Relations
SBS - Quadra 1 - Bloco C - Ed. Sede III - 5° andar
70073-901 - Brasília (DF)
Telephone: 55 (61) 3310 3980
Fax: 55 (61) 3310 3735
bb.com.br
[email protected]
Further details at bb.com.br/ri
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