1) ABC Brasil reported net income of R$48.4 million in 3Q08, growing 11.5% from 2Q08 and 107.7% year-over-year. Interest on equity payments began quarterly with R$17.6 million paid in 3Q08. 2) The efficiency ratio was 35.8% in 3Q08, one of the best in the banking market. The credit portfolio reached R$6.879.1 billion, growing 5.9% from 2Q08. 3) Loan portfolio quality remained high, with 99.4% rated AA to C, the same as 2Q08. Return on equity was 16.9% in 3

1. 3Q08 Earnings
1
Speak
Anis Chacur Neto
Sergio Lulia Jacob ‐ Exe
Alexandre Yoshiaki Sin
s Presentation
October 30, 2008
kers:
o – Deputy CEO
ecutive VP & IR Officer
nzato – IR Manager

2. 3Q08 Hi
Net Income of R$48.4 million in 3Q08, grow
107.7% year over year. In 2008, Interest on Eq
payment to shareholders in 3Q08 of gross IOE o
The Efficiency Ratio was 35.8% in 3Q08, from
efficiency ratios presented by the bank market.
The Credit Portfolio, including guarantees, rea
2Q08 and 61 8% year over year
2
2Q08 and 61.8% year over year.
The Loan Portfolio (Resolution 2,682) grew by 9
Portfolio quality remained high, with 99.4% of
Resolution 2,682), compared with 99.3% in 2Q0
The Return on Equity (ROAE) reached 16.9% in
ighlights
ing by 11.5% from R$43.4 million in 2Q08 and by
uity began to be paid on a quarterly basis, with the
of R$17.6 million.
35.1% in 2Q08 and 37.4% in 3Q07, one of the best
ched R$6,879.1 million, growing 5.9% in relation to
9.8% (3Q08 versus 2Q08).
f loan operations rated from AA to C (Central Bank
08 and 99.3% in 3Q07.
3Q08 versus 10.1% in 3Q07 and 15.5% in 2Q08.

3. Ownership
Marsau Uruguay
(ABC) 56.4%
3
p Structure
Free Float
32.7%
Management
9.5%
Associates
1.4%

4. Credit
CREDIT PORFOLIO ‐ including guarantees issued
4,250.6
6,498.7
6,879.1
CAGR = 61.8%
82.6%
14.2%
3.2%
85.1%
11.9%
3.0%
86 7%
11.7%
1.6%
4
3Q07 2Q08 3Q08
*excluding guarantees issued
CONSUMER MIDDLE MARKET
86.7%
Loans per Ticket (R$ mi) 3Q
0 ‐ 500 k
500 k ‐ 2 MM
2 MM ‐ 5 MM
5 MM ‐ 10 MM
> 10 MM
Total
Portfolio
LOANS
3,363.1
4,854.5
5,329.3
CAGR = 58.5%
78.2%
17.7%
4.1%
80.4%
15.5%
4.1%
83.7%
14.2%
2.1%
3Q07 2Q08 3Q08
WHOLESALE + L. MIDDLE
Q08 2Q08 Chg.(%) 3Q07 Chg.(%)
265.7 241.2 10.2 90.2 NA
594.2 242.7 144.8 187.5 216.8
236.6 540.2 (56.2) 400.1 (40.9)
786.9 730.5 7.7 704.2 11.7
3,445.9 3,100.0 11.2 1,981.1 68.2
5,329.3 4,854.5 9.8 3,363.1 58.5

5. High‐quality C
*excluding guarantees issued
Credit
Portfolio (*)
(R$ mi)
Write Off (R$
mi)
% Port
Wholesale+L.Middle 4,165.8 1.1
Middle 942.7 1.4
Payroll 220.8 0.3
Total 5,329.3 2.8
Segments
5
*excluding guarantees issued
Rating (R$ mi) * 3Q08 % Port
AA 916.3
A 2,393.7
B 1,729.4
C 255.3
D 8.7
E 3.4
F 10.8
G 2.1
H 9.6
Total 5,329.3
Credit Portfolio
tfolio PLL (R$ mi) % Portfolio
Past Due
(> 91dias) (R$
mi)
% Portfolio
0.0 30.7 0.7 4.3 0.1
0.1 21.1 2.2 13.1 1.4
0.1 4.3 1.9 0.9 0.4
0.1 56.1 1.1 18.3 0.3
3Q08
D-H 0.6%
AA-C 99.4%
tfolio
17.2
44.9
32.5
4.8
0.2
0.1
0.2
0.0
0.2
100.0

6. Credit
WHOLESALE AN
CAGR = 54.1%
5,678.45,527.1
3,684.2
2,816.1
3,902.0 4,165.8
868.1
1,625.1 1,512.6
R
6
*excluding BNDES operations
3Q07 2Q08 3Q08
Loans Guarantees issued
Wholesale + L. Middle 3Q07
Ticket 8.3
Duration * 396
Clients 446
Portfolio
ND LARGE MIDDLE
São Paulo ‐
Capital
38.7%
South
12.9%
Rio de Janeiro
12.6%
Minas Gerais +
Northeast
2.6%
São Paulo ‐
Countryside
33.3%
2Q08 3Q08
11.0 10.1
314 317
504 529

7. Credit
MIDDL
CAGR = 96.6%
498.5
773.8
979.9
479.1
754.7
942.7
19.4
19.1
37.2
C
7
* excluding BNDES operations
3Q07 2Q08 3Q08
Loans Guarantees issued
Middle Market 3Q07
Ticket 1.7
Duration * 166
Clients 297
Portfolio
E MARKET
São Paulo ‐
Countryside
11.0%
São Paulo ‐
C i l
Rio de Janeiro
3.8%
South
4.3%
Minas Gerais
9.2%
Capital
71.7%
2Q08 3Q08
2.0 2.4
197 193
389 409

8. Credit
PAYROLL‐
CAGR = 225.2%
67 9
197.8
220.8
8
67.9
3Q07 2Q08 3Q08
Loans
Payroll‐Deductible 3Q07
Average Term 580
Agreements 24
Portfolio
‐DEDUCTIBLE
INSS
20.6%
Others
79.4%
2Q08 3Q08
751 752
4 37 39

9. Other A
TREASURY AND
Capital Market (R$ mi) 3Q08
Underwriting Fees and Structured Oper.
Number of trades
9
Treasury (R$ mi) 3Q08
Income
Average consolidated VaR
Activities
D CAPITAL MARKET
8 2Q08 Chg.(%) 3Q07 Chg.(%)
2.3 1.3 76.9 3.5 (34.3)
5 5 NA 5 NA
8 2Q08 Chg.(%) 3Q07 Chg.(%)
4.5 9.8 (54.5) (0.8) (656.9)
4.3 3.4 26.5 2.6 65.4

10. Fun
25.0% 22.1% 25
24.4% 20.2%
19
13.4% 11.3%
101.8% 2.4%
35.4%
44.0%
433,164.6
3,841.3
4,
International
Local
10
Sep 2007 Dec 2007 Ma
Open Market Deposits and Funding (R$ mi) 3Q08 2Q08 Chg.(%
Until 3 months 1,088.4 788.3 38
3 to 12 months 1,160.9 1,343.3 (13
1 to 3 years 665.5 614.0 8
Above 3 years 20.8 36.5 (43
Total 2,935.6 2,782.1
Borrowing and on Lending Obligations 3Q08 2Q08 Chg.(%
Until 3 months 952.1 487.2 95
3 to 12 months 1,113.6 1,111.0 0
1 to 3 years 384.3 360.8 6
Above 3 years 73.6 78.3 (6
Total 2,523.7 2,037.3 2
nding
5.0% 28.3% 23.3%
9.0%
22.4% 19.5%
0.5%
10.3% 9.2%2.5%
2.7% 7.4%
3.0%
36.3%
40.6%
354.3
4,819.4
5,459.3
Corporate
Institutional
BNDES
Retail
ar 2008 Jun 2008 Sep 2008
) 3Q07 Chg.(%)
8.1 664.3 63.9
3.6) 570.1 103.6
8.4 485.8 37.0
3.0) 26.4 (21.0)
5.5 1,746.4 68.1
) 3Q07 Chg.(%)
5.4 341.9 178.5
0.2 621.6 79.1
6.5 370.9 3.6
6.0) 83.8 (12.2)
23.9 1,418.2 77.9

11. Profi
NET INCOM
Net Interest
Income
Other
Operating
Expenses
Impact of IO
Services
Loan
Operations
Treasury
88.8
(27.8)
105.4
4.5
12.1
11
05
Income Statement (R$ mi)
Net Interest Income after PLL
Adjustment of exchange Gains/Losses effect on Offshore Inve
Taxes adjustment of exchange effect on Offshore Investment
Net Interest Income
Banking services fees
Personnel Expenses/Other Administrative/Tax
Other operating income/expenses
Adjustment of exchange Gains/Losses effect on Offshore Inve
Non Operating Income
Earnings before tax Income
Taxes
Taxes adjustment of exchange effect on Offshore Investment
Profit Sharing
Net Income
itability
E – R$ MILLION
Income Tax and
Social
Contribution
Profit
Sharing
OE
NET
INCOME
(13.9)
(22.2)
7.0
(15.2)
48.4
3Q08
70.1
estments (a) 16.6
ts (b) 6.6
93.3
12.1
(30.7)
18.3
estments (a) (16.6)
1.2
77.6
(8.6)
ts (b) (6.6)
(13.9)
48.4

12. Profi
NET INCOME – R$ MILLION
CAGR =107.7%
CAGR =92.3%
129.8
12
3Q07 2Q08 3Q08 9M07 9M08
23.3
43.4
67.5
48.4
itability
ROAE – p.a.
3Q07 2Q08 3Q08 9M07 9M08
10.1%
15.5%
15.4%
14.7%
16.9%

13. Ra
NIM
5.5%
6.6% 6.5%
6.2%
6.4%
13
EFFICIENCY RATIO (%) – inc
3Q07 2Q08 3Q08 9M07 9M08
3Q07 2Q08
37.4%
35.1%
atios
STOCKHOLDERS’ EQUITY (R$ mi)
AND BASEL INDEX (%)
19,2%
1,082.9
1,131.8
1,158.826.7%
16,1%
19.2%
16.7%
cluding profit sharing
2Q083Q07 3Q08
3Q08
35.8%

14. Ra
LOC
Agency
Aaa*
14
*Deposits in local currency
AA
Aaa
atings
CAL GLOBAL
09/15/2008
Ratings
Update
a Br Baa2 09/15/2008
05/16/2008A‐ BB+
a.Br Baa2

15. Cont
Investor
Sergio Lulia Jacob – Ex
Alexandre Sinza
Eduardo Randi
Web Site: www.a
15
Email: ri@abc
Tel.: +55 (11
tacts
Relations
xecutive VP & IR Officer
ato – IR Manager
ich – IR Analyst
bcbrasil.com.br/ir
cbrasil.com.br
1) 3170 2186

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