1. 1
Teleconferência - 4º Trimestre de 2011
Anis Chacur Neto Sergio Lulia Jacob
CEO Vice-Presidente Financeiro
August | 1st | 2012
Conference Call – 2nd Quarter 2012

2. 2
2Q12 Highlights
2
The expanded credit portfolio reached BRL 14,938.1
million by the end of the quarter, an increase of 18.9% in the
period.
Net Income in the quarter totaled BRL 55.0 million.
Annualized Return on Equity (ROAE) in 1Q12 reached
14.2% pa in the period.
Loan transactions rated between AA and C reached
97.5% of the loan portfolio by the end of the quarter.

3. 3
Expanded Credit Portfolio
3
(BRL million) Jun/12 Mar/12 Chg 3M (%) Jun/11 Chg 12M (%)
Loans 8,519.8 7,783.5 9.5% 7,468.7 14.1%
Corporate 6,680.2 5,923.8 12.8% 5,788.7 15.4%
Middle 1,839.6 1,859.7 -1.1% 1,680.0 9.5%
Guarantees issued 5,882.3 5,573.7 5.5% 4,766.1 23.4%
Corporate 5,843.8 5,538.5 5.5% 4,733.4 23.5%
Middle 38.6 35.2 9.7% 32.6 18.1%
Loans + Guarantees Issued 14,402.1 13,357.2 7.8% 12,234.8 17.7%
Corporate 12,524.0 11,462.3 9.3% 10,522.2 19.0%
Middle 1,878.2 1,894.9 -0.9% 1,712.6 9.7%
Corporate Securities 536.0 357.6 49.9% 233.7 129.3%
Expanded Credit Portfoliio 14,938.1 13,714.8 8.9% 12,468.5 19.8%

4. 4
Segments Highlights
4
Corporate Middle Market
Average Ticket
(BRL Million)
Average Tenor
(days)
Total Number
of Clients
Clients with
Credit Exposure
Credit Portfolio
(BRL Million)
Minas Gerais / Goiás
Sul
Rio de Janeiro
São Paulo Interior
São Paulo Capital
Jun/11 Mar/12 Jun/12 Jun/11 Mar/12 Jun/12
1,040 1,156 1,154728 708 734
524 533 535
20.1 21.5 23.4
367 343 329
840 965 949
2.0 2.0 2.0
234 207 212
54% 54% 53%
20% 20% 22%17%
16%
16%9%
10%
9%
Jun/11 Mar/12 Jun/12
10,522 11,462 12,524
43% 40% 41%
12% 13% 13%
10% 10% 9%
28%
28% 27%
7%
9% 10%
Jun/11 Mar/12 Jun/12
1,713 1,895 1,878

5. 5
5
Credit Portfolio Quality
Past Due above 90 days (% of loan portfolio)
Loan Loss Reserve (% of loan portfolio)
0.65% 0.60%
0.71%
0.39%
0.57%
0.40%
0.51% 0.50%
0.87%
1.02%
0.31% 0.21% 0.21% 0.11% 0.17% 0.15% 0.19% 0.21%
0.57% 0.52%
0.23% 0.12% 0.09% 0.05% 0.06% 0.08% 0.09% 0.11%
0.47% 0.39%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12
Middle
Total
Corporate
3.33% 3.64% 3.63% 3.60% 3.59% 3.45%
3.02% 3.00%
3.68%
4.06%
1.86% 1.74% 1.64% 1.62% 1.72% 1.69% 1.69% 1.73% 1.95% 2.04%
1.52% 1.29% 1.17% 1.13% 1.22% 1.18% 1.30% 1.33% 1.41% 1.48%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12
Middle
Total
Corporate

6. 6
6
Credit Portfolio Quality
Transactions between D-H rating
(Resolution 2682 of Brazilian Central Bank)
Write Off in the quarter (% of loan portfolio)
0.37%
0.50% 0.46%
0.27%
0.47%
0.32%
0.77%
0.57%
0.22% 0.21%0.29%
0.10% 0.15% 0.08% 0.10% 0.06%
0.24% 0.15%
0.06% 0.08%0.27%
0.00% 0.07% 0.03% 0.00% -0.01% 0.08% 0.02% 0.01% 0.04%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12
Middle
Total
Corporate
3.1% 3.0%
2.4%
2.1%
2.0% 1.9% 2.0%
2.4%
2.7% 2.5%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12
D-H

7. 7
Funding & Ratings
7
(BRL Million)
Investment
Grade
Investment
Grade
Local Global
brAA+ BBB-
Aa1.br Baa3
AA- BB+
Diversified funding with access to
local and international sources 2Q11 3Q11 4Q11 1Q12 2Q12
1,940.2 2,156.3 1,647.3 1,781.9 2,140.0
3,531.5 3,798.3 4,045.5 4,976.9 5,353.4
2,240.9 2,317.3 2,181.5 2,060.1 2,279.1
1,878.9 2,065.7 2,085.3 2,137.2 2,227.0
9,591.5 10,337.6 9,959.6 10,956.1 11,999.6 Total
15% 14% 15% 14% 13%
5% 6% 6% 6% 5% Subordinated Debt
Shareholders´ Equity
23% 22% 22% 19% 19%
BNDES
20% 21% 16% 16% 18% International
10% 12% 10% 9% 9%
10%
10% 11% 10% 9%
7%
7% 10% 13% 11%10%
8% 10%
10% 10%
3% 6% Local Bonds (Letras
Financeiras)
Individual Investors
Financial Institutions
Institutional
Investors
Corporate Investors
37% 37% 41% 45% 45%

8. 8
Basel Index & Shareholders´ Equity
8
Capital Adequacy (BRL million) Jun/12 Mar/12
Chg 3M
(%) / p.p.
Jun/11
Chg 12M
(%) / p.p.
Capital 2,180.8 2,092.0 4.2% 1,886.4 15.6%
Mininum Capital Required 1,687.7 1,518.3 11.2% 1,346.9 25.3%
Capital Surplus 493.0 573.7 -14.1% 539.5 -8.6%
Basel Index 14.2% 15.2% -0.9 15.4% -1.2
Tier I (Core Capital) 10.2% 11.1% -0.9 11.6% -1.4
Tier II 4.0% 4.1% 0.0 3.8% 0.2
11.6% 11.4% 11.3% 11.1% 10.2%
3.8% 4.4% 4.3% 4.1% 4.0%
2Q11 3Q11 4Q11 1Q12 2Q12
TierII
TierI (CoreCapital)
Shareholders´Equity
(BRLMillion)
15.4% 15.8% 15.6% 15.2%
14.2%
1,424.2
1,460.2
1,499.6
1,535.6
1,565.8

9. 9
Financial Margin
9
NIM (% p.a.)
(BRL million) 2Q12 1Q12 Chg (%) 2Q11 Chg (%) 6M12 6M11 Chg (%)
Net Interest Income before Loan Loss Provision (LLP) 144.4 140.9 2.5% 133.5 8.1% 285.3 268.9 6.1%
Shareholders´ Equity remunerated at CDI rate 32.0 36.8 -12.9% 38.8 -17.4% 68.8 74.4 -7.4%
Financial Margin with Clients 89.6 84.9 5.6% 79.9 12.2% 174.5 166.1 5.0%
Financial Margin with Market 22.7 19.3 18.1% 14.9 53.2% 42.0 28.4 48.1%
Loan Loss Provision (LLP) (28.7) (23.7) 20.8% (1.7) 1582.4% (52.4) (14.0) 273.4%
Managerial Financial Margin 115.7 117.2 -1.2% 131.8 -12.2% 232.9 254.8 -8.6%
5.5% 5.7% 5.5% 5.3% 5.0%
5.5%
5.1%
2Q11 3Q11 4Q11 1Q12 2Q12 6M11 6M12

10. 10
Income from Services
10
Banking Service Fees (BRL million) 2Q12 1Q12 Chg (%) 2Q11 Chg (%) 6M12 6M11 Chg (%)
Guarantees Issued 26.0 24.2 7.7% 22.6 15.2% 50.2 43.4 15.6%
Capital Markets and M&A Fees 2.0 1.9 5.1% 2.8 -29.4% 3.9 4.8 -19.6%
Banking Tariffs 4.1 3.3 24.7% 5.4 -24.8% 7.4 12.3 -39.7%
Total 32.1 29.3 9.5% 30.9 4.1% 61.4 60.5 1.6%
14.9 16.5 17.4
19.6 20.8 22.6 23.5 23.8 24.2 26.0
7.1
8.1 4.9
6.9
6.8
5.4 4.2 3.8 3.3
4.1
2.4
1.6
0.5
8.2
2.0 2.8 2.4
7.2
1.9
2.0
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12
CapitalMarkets and
M&A Fees
Banking Tariffs
GuaranteesIssued
(BRLMillion)
Income from Services
Totalof Revenues
20.5% 20.1%
17.6%
23.8%
19.7% 20.3%
18.3%
20.6%
18.3% 19.0%

11. 11
Expenses
11
Efficiency Ratio (Cost/Income)
Expenses (BRL million) 2Q12 1Q12 Chg (%) 2Q11 Chg (%) 6M12 6M11 Chg (%)
Personnel (32.2) (31.1) 3.6% (27.4) 17.8% (63.3) (53.5) 18.3%
Other administrative expenses (19.6) (15.7) 25.2% (16.9) 15.9% (35.3) (32.3) 9.3%
Profit Sharing (13.1) (10.0) 30.8% (16.8) -21.7% (23.1) (34.4) -32.7%
Total (65.0) (56.8) 14.4% (61.1) 6.4% (121.8) (120.2) 1.3%
38.8% 36.4% 37.9%
33.9% 36.9% 38.2% 35.5%
2Q11 3Q11 4Q11 1Q12 2Q12 6M11 6M12

12. 12
Profitability
12
Net Income (BRL Million) ROAE (% p.a.)
60.2 58.5 60.6 56.9 55.0
116.9 111.9
2Q11 3Q11 4Q11 1Q12 2Q12 6M11 6M12
17.2% 16.2% 16.4%
15.0% 14.2%
16.9%
14.6%
2Q11 3Q11 4Q11 1Q12 2Q12 6M11 6M12

13. 13
Guidance 2012
13
* Includes loans, guarantees issued and corporate securities portfolios.
(1) Changed from 18%-22% to 17%-21%; (2) changed from 25%-30% to 15%-20%.
Expanded Credit Portfolio* (1) 17% - 21%
Corporate 17% - 21%
Middle Market (2) 15% - 20%
Personnel Expenses & Other Administrative 11% - 13%

14. 14
Investor Relations
14
Sergio Lulia Jacob
Financial Vice-President
Alexandre Sinzato, CFA
Head of Investor Relations
Web Site: www.abcbrasil.com.br/ir
Email: ri@abcbrasil.com.br
Phone: +55 (11) 3170-2186

15. 15
Disclosure
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 factors, 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.