1st Quarter 2008 Results Presentation

1. 1Q08 Results Presentation
Speakers :
Anis Chacur Neto Deputy CEO
Sérgio Lulia Jacob Executive VP & IR Officer
Alexandre Sinzato IR Manager
1 May 06, 2008

2. 1Q08 Highlights
 The loan portfolio, including guarantees, reached R$5,779.3 million, expanding by
15.8% in relation to 4Q07 and by 80.9% in relation to 1Q07
 The quality of the loan portfolio remained high, with 99.4% of loan operations rated
between AA and C (Central Bank of Brazil - Resolution 2682), versus 98.4% in 1Q07
and 99.5% in 4Q07 .
 Net income increased by 106.4% to R$38.0 million in 1Q08, from R$18.4 million in
1Q07. Net income was 25.0% lower in relation to 4Q07, impacted by the tax benefit from
the distribution of Interest on Equity for fiscal year 2007. Excluding non recurring
revenues (expenses) net profit increased 71.9% when compared to 1Q07 and decreased
12.3% when compared to 4Q07.
 Moody´s Investors Service assigned Banco ABC BRASIL as Investment Grade. Moody's
assigned ratings for both long- and short-term local-currency deposits of Aaa.br/Br-1 on
the Brazilian national scale and of Baa2/P-2 on the global scale (stable outlook).
 Inauguration of new platforms:
 Middle Market : Rio de Janeiro and Santa Catarina
 Wholesale & Large Middle: Minas Gerais
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3. Ownership Structure
Local
Management
9.40%
ABC
Free Float
(Marsau Uruguay)
33.20%
56%
Associates
1.40%
MARKET CAP*
R$ 1.3 billion
*Note: Market Cap based on price of R$9.60 per share on 3/31/2008
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4. Credit Portfolio (including guarantees)
R$ Million
CAGR = 81.0% 5,779
2.6%
4,992 11.4%
1.9%
11.8%
3,194
0.9%
10.7%
85.9%
86.3%
88.4%
1Q07 4Q07 1Q08
Wholesale+L.Middle Middle Consumer
R$ Million
Loans per Ticket
1Q08 part. (%) 4Q07 part. (%)
(R$)
0 - 500 k 202.4 4.7 125.6 3.2
500 k - 2 mi 200.4 4.6 192.8 5.0
2 mi - 5 mi 416.4 9.6 448.8 11.5
5 mi - 10 mi 829.9 19.1 772.0 19.9
> 10 mi 2,702.6 62.0 2,348.0 60.4
Total 4,351.6 100.0 3,887.2 100.0
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5. High-Quality Credit Portfolio
Rating (*) 1Q08 % Portfolio
D-H 0.6%
AA 866.7 19.9
A 1,814.1 41.8
B 1,356.2 31.2
C 288.8 6.6
D 10.8 0.2
E 2.3 0.1
F 4.5 0.1
G 1.7 0.0
H 6.5 0.1
AA-C 99.4% Total 4,351.6 100.0
1Q08 Loan 1Q08 Write % 1Q08 % Past Due %
Segment
Porfolio (*) Off Portfolio PLL Portfolio (> 60days) Portfolio
Wholesale+L.Middle 3,556.2 2.9 0.1 25.2 0.7 1.6 0.0
Middle 644.1 1.8 0.3 15.4 2.4 7.9 1.2
Consumer 151.3 0.2 0.1 2.4 1.6 0.5 0.3
Total 4,351.6 4.9 0.11 43.0 0.99 10.0 0.23
*Excluding guarantees
Average Annual Losses/Portfolio in the past 10 years: 0.25%
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6. Business Segments
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7. Wholesale and Large Middle
SP
Countryside /
CAGR = 75.9% Midwest;
37.6%
R$ Million 4,967.1
4,308.7
South;
2,824.1 11.9%
SP;
39.3% RJ / Northeast;
11.2%
1Q07 4Q07 1Q08
1Q07 4Q07 1Q08
Duration
341 352 340
(ex-BNDES)
Average Ticket R$ 7.3 MM R$ 9.2 MM R$ 10.5 MM
Clients 387 466 475
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8. Middle Market
CAGR = 93.2%
SP; 82.4%
R$ Million
660.9
587.2
SP –
342.1 Countryside;
10.1%
BH; 7.5%
1Q07 4Q07 1Q08
1Q07 4Q07 1Q08
Duration
118 181 185
(ex-BNDES)
Average Ticket R$ 1.4 MM R$ 1.9 MM R$ 2.1 MM
Clients 241 311 317
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9. Payroll Deductible
4Q07
Other
CAGR = 446.2% 60.1%
R$ Million
151.3
INSS
96.3 39.9%
1Q08
27.7 Other
73.3%
1Q07 4Q07 1Q08
INSS
26.7%
4Q07 1Q08
Duration 642 731
Average Ticket R$ 3,081 R$ 3,811
Agreements 29 34
Monthly Average
12 MM 21 MM
Origination
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10. Other Activities
CAPITAL MARKET
Capital Market 1Q08 1Q07 Chg.(%) 4Qq07 Chg.(%)
Underwriting Fees and Structured Oper. - 3.9 - 4.6 -
Number of trades - 4.0 - 6.0 -
TREASURY
Treasury 1Q08 1Q07 Chg.(%) 4Q07 Chg.(%)
Income(R$ MM) 15.0 14.9 0.7 14.4 4.3
Average consolidated VaR (R$ MM) 2.7 2.9 (6.9) 2.7 -
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11. Funding
Private
INTERNATIONAL 3.2% LOCAL
Financial Corporate
Institutions 25.8%
41.5%
Institutional
18.8%
BNDES
10.7%
ABC Brasil strength attested by its solid credit rating history
RATINGS
Local Global
(*)
Aaa.Br Baa2
AA- BB+
* Local-Currency Deposits
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12. 1Q08 Net Income Breakdown
89.1 -11.7
Services Interest on
9.1 Stockholder’s
-24.9 Capital
5.5
Other
Loan Operational
Operations* 65.0 Expenses -17.2
Income Tax -14.5
and Social
Distribution Profit Sharing
38.0
Treasury 15.0
Net
Results 1Q08 1Q07 Chg.(%) 4Q07 Chg.(%) Income
Credit * 72.9 38.7 88.4 71.3 2.2
PDD (7.9) (4.1) 92.7 (3.5) 125.7
Services 9.1 9.0 1.0 12.4 (26.6)
Treasury 15.0 14.9 0.7 14.4 4.3
Operational Revenues 89.1 58.5 52.3 94.6 -5.8
Other Income/Expenses (24.9) (26.1) (4.6) (33.4) (25.5)
Profit Sharing (14.5) (1.4) 938.6 (11.2) 29.2
Taxes (11.7) (12.6) (7.5) 0.7 (1,701.1)
Net Income 38.0 18.4 106.4 50.7 -25
*Including the Oportunity Cost in 1Q07: R$13.0mm, in 4Q07: R$28.4mm and in 1Q08: R$27.9 mm.
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13. Profitability
NET PROFIT (R$ MM) ROAE (% aa)
CAGR = 106.4%
50.7 18.6%
16.5%
38.0 13.9%
18.4
1Q07 4Q07 1Q08 1Q07 4Q07 1Q08
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14. Other Indicators
EFFICIENCY RATIO (%)
(quarter)
40.5%
38.2% 38.1%
STOCKHOLDERS’ EQUITY (R$ MM)
AND BASEL INDEX (%)
23.1%
20.7%
13.2% 1Q07 4Q07 1Q08
1.086 1.107 NIM (quarter)
7.1% 7.0%
6.5%
459
1Q07 4Q07 1Q08
1Q07 4Q07 1Q08
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15. 2008 Guidance
Credit Portfolio % Growth
(including guarantees issued)
LARGE MIDDLE & WHOLESALE 40% - 50%
MIDDLE MARKET 110% - 130%
PAYROLL DEDUCTIBLE 250% - 280%
TOTAL CREDIT PORTFOLIO 50% - 60%
PERSONNEL AND ADMINISTRATIVE EXPENSES 12% - 18%
(excluding Profit Sharing and Payroll Deductible
comissions)
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16. Disclaimer
The following material, on this date, is a presentation containing general information about
the Banco ABC Brasil S.A. We offer no guarantee and make no declaration, implicitly or
explicitly, as to the accuracy, completeness or scope of this information.
This presentation may include forward-looking statements of future events or results
according to the regulations of the Brazilian and International securities and exchange
commissions. These statements are based on certain assumptions and analyses by the
Company that reflect its experience, the economic environment, future market conditions and
expected events by the company, many of which are beyond the control of the Company.
Important factors that may lead to significant differences between the actual results and the
statements of expectations about future events or results include the company’s business
strategy, Brazilian and International economic conditions, technology, financial strategy,
financial market conditions, uncertainty regarding the results of its future operations, plans,
objectives, expectations and intentions, among others. Considering these factors, the actual
results of the company may be significantly different from those shown or implicit in the
statement of expectations about future events or results.
The information and opinions contained in this presentation should not be understood as a
recommendation to potential investors and no investment decision is to be based on the
veracity, current events or completeness of this information or these opinions. No advisors to
the company or parties related to them or their representatives should have any responsibility
for any losses that may result from the use or contents of this presentation.
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17. Contacts
Investor Relations
Sergio Lulia Jacob – Executive VP & IR Officer
Alexandre Sinzato – IR Manager
Eduardo Randich – IR Analyst
Web Site: www.abcbrasil.com.br/ri
Email: ri@abcbrasil.com.br
Phone: +55 (11) 3170 2186
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