1. 2Q08 Earnings Presentation2Q08 Earnings Presentation2Q08 Earnings Presentation2Q08 Earnings Presentation
Speakers:
1
Speakers:
Anis Chacur Neto
Sergio Lulia Jacob - Executive VP & IR Officer
Alexandre Yoshiaki Sinzato
2Q08 Earnings Presentation2Q08 Earnings Presentation2Q08 Earnings Presentation2Q08 Earnings Presentation
August 12, 2008
Speakers:Speakers:
Anis Chacur Neto – Deputy CEO
Executive VP & IR Officer
Alexandre Yoshiaki Sinzato – IR Manager

2. 2Q08 Highlights
Net Income of R$43.4 million in 2Q08, growing
year over year. In 2008, Interest on Equity began
to shareholders in 2Q08 of gross IOE of R$16.3 million
The Operating Efficiency Ratio fell to 35.1% in
of the best efficiency ratios presented by bank market
The Credit Portfolio, including guarantees, reached
1Q08 and 82.7% year over year.
Portfolio quality remained high, with 99.3% of
Resolution 2,682), compared with 99.4% in 1Q08
2
In 2Q08 two new platforms were opened in the
Alegre, following the strategy of geographic expansion
six states of the country, for the Middle Market
2Q08 Highlights
by 14.2% from R$38.0 million in 1Q08 and by 68.2%
began to be paid on a quarterly basis, with the payment
million.
2Q08, from 38.8% in 1Q08 and 43.8% in 2Q07, one
market.
reached R$6,498.7 million, growing 12.4% in relation to
of loan operations rated from AA to C (Central Bank
08 and 99.3% in 2Q07.
the Middle Market segment, in Curitiba and in Porto
expansion in the segment. We now have 9 platforms in
segment.

3. Ownership Structure
Free Float
33.2%
Management
9.4%
Associates
1.4%
3
*Note: Market Cap based on share price of R$ 9.35 on June 30, 2008
MARKET CAP*
R$ 1,3 BILHÕESR$ 1.3
Ownership Structure
Marsau
Uruguay (ABC)
56.0%56.0%
*Note: Market Cap based on share price of R$ 9.35 on June 30, 2008
MARKET CAP*
R$ 1,3 BILHÕESR$ 1.3 billion

4. Credit Portfolio
CAGR = 82.7%
CREDIT PORFOLIO - including guarantees issued
3.1%
5,779.3
6,498.7
87.2%
85.9%
85.0%
11.6%
11.4%
11,9%
1.2%
2.6%
CONSUMER MIDDLE MARKET
3,556.8
2Q07 1Q08 2Q08
4
*excluding guarantees issued
CONSUMER MIDDLE MARKET
Loans per Ticket (R$) 2Q08 1Q08
0-500 k 241.2 202.4
500 k-2 mi 242.7 200.4
2 mi-5 mi 540.2 416.4
5 mi-10 mi 730.5 829.9
> 10 mi 3,100.0 2,702.5
Total 4,854.5 4,351.6
Credit Portfolio
CAGR = 73.3%
LOANS
3.5%
4.1%
4,351.6
4,854.5
84.2%
81.7% 80.4%
14.2%
14.8%
15.5%
1.6%
3.5%
WHOLESALE + L. MIDDLE
2,801.5
2Q07 1Q08 2Q08
WHOLESALE + L. MIDDLE
Chg.(%) 2Q07 Ghg(%)
202.4 19.2 285.0 (15.4)
200.4 21.1 216.0 12.4
416.4 29.7 395.9 36.4
829.9 (12.0) 581.3 25.7
2,702.5 14.7 1,323.2 134.3
4,351.6 11.3 2,801.5 73.0

5. High-quality Credit Portfolio
Segment
2Q08 Loan
Portfolio (*)
2Q08 Write Off
% Portfolio
Wholesale+L.Middle 3,902.0 0.2
Middle Market 754.7 1.5
Consumer 197.8 0.2
R$ Mi
R$ Mi
2Q08 Write Off
Rating* 2Q08 % Portfolio 1Q08 % Portfolio
AA 792.4 16.3 866.7 19.9
A 2,249.2 46.3 1,814.1 41.7
B 1,523.5 31.4 1,356.2 31.2
C 257.2 5.3 288.8 6.6
*excluding guarantees issued
Consumer 197.8 0.2
Total 4,854.5 1.9
5
*excluding guarantees issued
D 15.8 0.3 10.8 0.2
E 3.2 0.1 2.3 0.1
F 4.3 0.1 4.5 0.1
G 0.7 0.0 1.7 0.0
H 8.2 0.2 6.5 0.1
Total 4,854.5 100.0 4,351.6 100.0
quality Credit Portfolio
% Portfolio
2Q08 PLL
% Portfolio
Past Due
(>90 days)
% Portfolio
0.0 26.7 0.7 5.7 0.1
0.2 17.6 2.3 7.2 1.0
0.1 3.3 1.7 0.8 0.4
2Q08 Write Off
R$ Mi
2Q08 PLL
R$ Mi
Past Due
(>90 days)
D-H 0.7%2Q07 % Portfolio
383.3 13.7
1,178. 2 42.1
943.6 33.7
274.4 9.8
0.1 3.3 1.7 0.8 0.4
0.0 47.6 1.0 13.7 0.3
AA-C 99.3%
9.2 0.3
1.2 0.0
1.1 0.0
0.7 0.0
9.8 0.3
2,801.5 100.0

6. Credit Portfolio
WHOLESALE AND
1,410.9
1,625.1
5,527.1
4,967.1
CAGR = 78.3%
2,358.6
3,556.2 3,902.0
741.9
1,410.9
3,100.1
2Q07 1Q08 2Q08
Guarantees issued Loans
6
*excluding BNDES operations
L. Middle + Wholesale 2Q07
Average Ticket
Duration *
Clientes
Credit Portfolio
WHOLESALE AND LARGE MIDDLE
Rio de Janeiro
South
12.4%
Rio de Janeiro
11.7% São Paulo
41.3%
São Paulo -
Countryside
34.5%
2Q07 1Q08 2Q08
7.4 10.5 11.0
367 340 314
421 475 504

7. Credit Portfolio
MIDDLE MARKET
16.8
19.1
CAGR = 87.7%
412.3
660.9
773.8
398.5
644.1
754.7
13.8
412.3
2Q07 1Q08 2Q08
Guarantees issued Loans
7
* excluding BNDES operations
Middle Market 2Q07
Average Ticket
Duration *
Clientes
Credit Portfolio
MIDDLE MARKET
São Paulo -
Rio de Janeiro
1.8%
Minas Gerais +
Northeast
8.5%
São Paulo
78.1%
São Paulo -
Countryside
11.7%
2Q07 1Q08 2Q08
1.5 2.1 2.0
139 185 197
274 317 389

8. Credit Portfolio
PAYROLL-
CAGR = 345.5%
44.4
151.3
197.8
Loans
2Q07 1Q08 2Q08
8
Payroll 2Q07
Average Term
Agreements
Credit Portfolio
-DEDUCTIBLE
INSS
21.8%
Other
78.2%
2Q07 1Q08 2Q08
534 731 751.0
19 34 37

9. Other Activities
TREASURY AND CAPITAL MARKET
Capital Market 2Q08Capital Market 2Q08
Underwriting Fees and Structured Oper.
Number of trades
Treasury 2Q08
Income(R$ MM)
Average consolidated VaR (R$ MM)
9
Other Activities
TREASURY AND CAPITAL MARKET
2Q08 1Q08 Chg.(%) 2Q07 Chg(%)2Q08 1Q08 Chg.(%) 2Q07 Chg(%)
1.3 0.0 NA 5.8 (77.6)
5 - NA 8 (37,5)
2Q08 1Q08 Chg.(%) 2Q07 Chg(%)
9.8 14.0 (30.0) 11.0 (10.9)
3.4 2.7 25.9 2.2 54.5

10. 44.0%
33.8%
Funding
International
2,960.5
3,841.3
22.0%
19.3%
11.3%
3.0%
25.8%
22.8%
14.6%
Jun 2007 Dec 2007
Private
Corporate
Institutional
BNDES
Local
3.4%
Open Market Deposits and Funding (R$ MM) 2Q08 1Q08
3 Months 788.3
3 to 12 Months 1,343.3
10
1 to 3 years 614.0
Above 3 years 36.5
Total 2,782.1 2,401.3
Borrowing and Onlending Obligations 2Q08 1Q08
3 Months 487.3 451.1
3 to 12 Months 1,111.0 1,031.1
1 to 3 years 360.8 397.1
Above 3 years 78.3
Total 2,037.4 1,953.0
Funding
43.0%
10.3%
36.3%
4,354.3
4,819.4
Mar 2008 Jun 2008
2.9%
25.1%
18.3%
10.5%
3.4% 3.1%
28.3%
22.2%
10.3%
1Q08 Chg.(%) 2Q07 Chg.(%)
868.7 (9.3) 656.4 20.1
809.6 65.9 493.1 172.4
676.7 (9.3) 571.3 7.5
46.3 (21.2) 31.8 14.8
2,401.3 15.9 1,752.6 58.7
1Q08 Chg.(%) 2Q07 Chg.(%)
451.1 8.0 247.2 97.1
1,031.1 7.7 494.7 124.6
397.1 (9.1) 369.8 (2.4)
73.7 6.2 96.1 (18.5)
1,953.0 4.3 1,207.8 68.7

11. Profitability
NET INCOME
Other Operating
ExpensesLoan
NetInterest
Income
Expenses
Income Tax and
Social Contribution
Impact of IOE
Services
Loan
Operations
Treasury
79.9
(27.8)
9.8
10.8
11
Net Income of R$43.4 million in 2Q08, growing
1Q08 and by 68.3% year over year. In 2008, Interest
quarterly basis, with the payment to shareholders
million.
100.5
Profitability
NET INCOME – R$ MILLION
Income Tax and
Social Contribution
Profit Sharing
NET
INCOME
(11.9)
(22.9)
5.5
43.4
growing by 14.2% from R$38.0 million in
Interest on Equity began to be paid on a
shareholders in 2Q08 of gross IOE of R$16.3
(17,4)

12. Profitability
NET INCOME – R$ MILLION
CAGR =84.2%
25.8
38.0
43.4 44.2
81.4
CAGR =68.2%
12
2Q07 1Q08 2Q08 1H07 1H08
Profitability
ROAE – p.a.
21.9%
13.9%
15.5% 19.3%
14.7%
2Q07 1Q08 2Q08 1H07 1H08

13. Ratios
NIM
6.4% 6.4% 6.5%6.6%6.6%
EFFICIENCY RATIO (%) – including
2Q07 1Q08 2Q08 1H07 1H08
13
43.8
38.8
2Q07 1Q08 2Q08
Ratios
STOCKHOLDERS’ EQUITY (R$ MM)
AND BASEL INDEX (%)
13.6%
20.7% 19.2%
1,107.0 1,131.8
including profit sharing
1H07 1H08 2Q07 1Q08 2Q08
482.7
35.1
2Q07 1Q08 2Q08

14. Ratings
*Deposits in local currency
LOCAL
AA
Agency
Aaa.Br*
14
*Deposits in local currency
Ratings
LOCAL GLOBAL
04/04/2008
05/16/2008AA- BB+
Ratings
Update
Aaa.Br Baa2

15. Guidance 2008
CREDIT PORTFOLIO
(including guarantees issued)(including guarantees issued)
LARGE MIDDLE & WHOLESALE
MIDDLE MARKET
PAYROLL DEDUCTIBLE
TOTAL CREDIT PORTFOLIO
PERSONNEL AND ADMINISTRATIVE EXPENSES
(excluding profit sharing and payroll deductible comissions)
15
Guidance 2008
% Growth
40% - 50%
60% - 80%
220% - 250%
47% - 57%
PERSONNEL AND ADMINISTRATIVE EXPENSES
(excluding profit sharing and payroll deductible comissions)
12% - 18%
40%- 50%
110%- 130%
250%- 280%
50% - 60%
12% - 18%
CURRENT PREVIOUS

16. Disclaimer
The following material, on this date, is a presentation
ABC Brasil S.A. We offer no guarantee and make no declaration,
completeness or scope of this information.
This presentation may include forward-looking statements
regulations of the Brazilian and International securitiesregulations of the Brazilian and International securities
based on certain assumptions and analyses by the
environment, future market conditions and expected
the control of the Company. Important factors that may
results and the statements of expectations about future
strategy, Brazilian and International economic conditions,
conditions, uncertainty regarding the results of its future
intentions, among others. Considering these factors,
significantly different from those shown or implicit in
or results.
The information and opinions contained in this
16
The information and opinions contained in this
recommendation to potential investors and no investment
events or completeness of this information or these
related to them or their representatives should have
the use or contents of this presentation.
Disclaimer
presentation containing general information about the Banco
declaration, implicitly or explicitly, as to the accuracy,
statements of future events or results according to the
securities and exchange commissions. These statements aresecurities and exchange commissions. These statements are
Company that reflect its experience, the economic
expected events by the company, many of which are beyond
may lead to significant differences between the actual
future events or results include the company’s business
conditions, technology, financial strategy, financial market
future operations, plans, objectives, expectations and
factors, the actual results of the company may be
in the statement of expectations about future events
this presentation should not be understood as athis presentation should not be understood as a
investment decision is to be based on the veracity, current
these opinions. No advisors to the company or parties
any responsibility for any losses that may result from

17. Contacts
Investor Relations
Sergio Lulia Jacob – Executive VP & IR Officer
Alexandre Sinzato
Eduardo Randich
Web Site: www.abcbrasil.com.br/ir
Email: ri@abcbrasil.com.br
Tel.: +55 (11) 3170 2186
17
Contacts
Investor Relations
Executive VP & IR Officer
Alexandre Sinzato – IR Manager
Eduardo Randich – IR Analyst
Web Site: www.abcbrasil.com.br/ir
Email: ri@abcbrasil.com.br
Tel.: +55 (11) 3170 2186