Tito Enrique da Silva Neto CEO & Member of the Board of Directors
Sérgio Lulia Jacob Executive Vice President & IR Officer
Alexandre Sinzato IR Manager
4Q07 Results Presentation
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.
• Banco ABC BRASIL successfully concluded its initial public offering (IPO) in July
2007. Proceeds from the offering increased stockholders’ equity to R$1,085.6 million
as of 12/31/2007.
• The credit portfolio, including guarantees, reached R$4,992.2 million, growing 71% in
relation to the 4Q06 and 17% in relation to the 3Q07.
• The quality of the loan portfolio remained high, with 99.5% of loan operations rated
between AA and C (Brazilian Central Bank Resolution 2682), compared to 98.8% in
the 4Q06 and 99.3% in the 3Q07.
• Net income in the quarter (excluding non-recurring expenses from the IPO)
increased by 154.6% to R$50.7 million, from R$19.9 million in the 4Q06, representing
an increase of 117.6% over 3Q07. Net income for 2007 was R$118.2 million, an
increase of 93.8% compared with R$61.0 million in 2006. The bank distributed the
gross amount of R$ 43.4 million as interest on shareholders equity.
• Our credit rating assigned by Fitch Ratings, equivalent to “AA-” on the national level
and “BB+” on the global level, with a stable outlook, is the highest among publicly-
held midsize banks.
R$ 1.61 Billion
Note: market capitalization calculated based on the share price of R$11.85 as of 12/28/2007.
Net Interest Margin
NIM - Quarter
4Q06 3Q07 4Q07
NIM – Year
2006 2007 16
Stockholders’ Equity (R$ mm)
and Basel Index (%)
4Q06 3Q07 4Q07
Efficiency Ratio (%) Efficiency Ratio* (%)
35.8% 38.2% 39.0%
4Q06 3Q07 4Q07 2006 2007
ÍNDICE DE EFICIÊNCIA (%) - includ Profit Sharing ÍNDICE DE EFICIÊNCIA (%) - includ Profit Sharing
ÍNDICE DE EFICIÊNCIA (%) - exclud Profit Sharing ÍNDICE DE EFICIÊNCIA (%) - exclud Profit Sharing
ABC Brasil strength attested by its solid credit rating history
2004 2005 2006 2007
National – Long Term A A AA- AA-
National – Short Term F1 F1 F1+ F1+
International – Long Term - BB- BB BB+
International – Short Term - B B B
Total Assets: US$ 28,640 Mi.
Equity Shareholders: US$ 2,307 Mi.
Controlling ROE: 13.1%
BBB+ BBB+ A3