This investor presentation provides an overview of Banco ABC Brasil. It discusses the bank's history, business segments, competition, financial highlights, and ownership structure. ABC Brasil focuses on providing loans and structured products to mid-sized and large corporate clients. It has a strong controlling shareholder in Arab Banking Corporation and maintains a high credit quality with low historical losses. The presentation provides details on the bank's credit portfolio quality, funding sources, capitalization, and financial results.

1. 1
Investor Presentation
3Q2010

2. 2
. Who we are
. Business Segments
. Competition
. Financial Highlights

3. 3
IPO
1989 1991 1997 2005 2006 20102007
History in Brazil
Arab Banking
Corporation and local
management acquire
Roberto Marinho
Group´s shares
Current
management starts
running the bank
The bank´s name
changes to
Banco ABC Brasil
S.A.
The bank
structures its
Middle Market
operations
Arab Bank Corporation and
Roberto Marinho Group jointly
initiate Banco ABC Roma SA,
acting in the segments of
corporate lending, trade finance
and treasury
3

4. 4
Focus on Companies
• Expertise in corporate credit risk analysis with remarkably
low historical losses.
• Wide range of products.
• Winning combination of a strong controlling shareholder
and an independent local Management team.
4
ABC Brasil strongly focuses on providing loans and structured products to
mid-sized and large companies.
Middle Market
Other
Corporate
29.9%
100%
94.0%
88.5%
86.3%
2,011
2,605
2,911
4,992
6,485
84.3%
6.0%
11.0%
11.8%
12.5%
8,509
Credit Portfolio
Including Guarantees Issued.
BRL Million.
84.1%
14.6%
31.2%
26.0%
10,725
13.1%
86.9%
0.5%
1.9%
3.2%
1.3%
2004 2005 2006 2007 2008 2009 3Q10Sep10

5. 5
RO
AC
AM
RR
PA
AP
MA
PI
CE
BA
MG
ES
RJ
SP
PR
SC
RS
MS
MT
GO
DF
RN
PB
PE
AL
SE
Geographical presence
5
•Banco ABC Brasil has business
platforms in seven states that
are responsible for 70% of the
Brazilian GDP.
•From these business platforms
other states are covered.
TO
BUSINESS PLATFORMS
CORPORATE MIDDLE
SP Capital 3 3
SP Countryside 1 1
South 1 3
RJ 1 1
MG - 1
GO - 1
TOTAL 6 10
ABC Brasil offices

6. 6
Ownership Structure
Local
Management
14.4%
ABC
85.6%
Voting Capital
ABC
56.5%
Local
Management
9.5%
Associates
1.0%
Free float
33.0%
Total Capital
6
Support of a strong international controlling shareholder.

7. 7
Controlling Shareholder
International bank headquartered in Bahrain
Listed in the Bahrain stock exchange
Present in 21 countries
Main Shareholders
Central Bank of Libya 41.6%
Kuwait Investment Authority 29.7%
Abu Dhabi Investment Authority 17.7%
7
Arab Banking Corporation
Total Assets: US$ 26.8 Bn
Shareholders’ Equity: US$ 3.4 Bn
Ratings:
BBB+ A3BBB+
3Q10

8. 8
Ratings
Strong controlling shareholder Access to attractive funding
Independent management Agile decision making process
Successful track record Outstanding performance in corporate credit
Local Global
Aa1.Br Baa3
AA- BB+
Our high rating is a consequence of the combination of independent
management, successful track record and a strong controlling shareholder.
8
Investment grade

9. 9
Corporate Governance
ABC Brasil is listed at Bovespa Nivel 2 and has always followed strict Corporate
Governance practices, with shareholders represented in the Board of Directors.
Members
• 3 representing ABC
• CEO
• 2 independent members
Main responsibilities
Overall business guidelines, including its long-term
strategy and performance control and monitoring.
Election and removal of the members of the Executive
Board and monitoring the performance of their duties.
Board of Directors
Board Risk
Committee
Audit ABC Brasil’s management, review the Bank’s
financial statements and report their conclusions to
the Bank’s shareholders.
Fiscal Council
• 4 members of the Board
of Directors
• 2 representing ABC
• 1 representing minority
shareholders
Delegate Credit Limits to Credit Committees.
Approval of specific transactions that exceeds the
delegated limits.
Risk Management Guidelines.
9
Review financial statements
Assess the effectiveness of internal and independent
audits
Audit Comitee
• 2 independent members
of the Board of Directors
• 1 accounting specialist

10. 10
Corporate Governance
10
ABC Brasil’s decision process is based on committees and no one has the
authority to individually approve a transaction or a product.
Main committees:
Credit Corporate
Committee
Products
Committee
Technology
Committee
Credit Middle
Committee
Compliance
Committee
ALCO
Results
Committee
Executive Directors
Meeting

11. 11
Successful Track Record
11
371
727 640
1,095
1,619
2,452
2,061
1,749
2,011
2,605
2,911
4,992
6,485
8,509
0.0%
0.7% 0.0%
0.6%
0.0% 0.1% 0.1%
0.8%
1.4%
0.0% 0.0% 0.2% 0.2% 0.6%
0
1,000
2,000
3,000
4,000
5,000
6,000
7,000
8,000
9,000
1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
Credit Portfolio Losses / Credit Portfolio
BRL million
Mexican
Crisis
Asian
Crisis
Russian
Crisis
Devaluation
of BRL
“Apagão”
September
11th
Argentinean
Crisis
Presidential
Elections of
Lula
Banco Santos
Bankruptcy
Subprime
Growth with low losses despite adverse economic conditions.
Losses / Loan Portfolio

12. 12
. Who we are
. Business Segments
. Competition
. Financial Highlights

13. 13
Corporate
Companies with annual revenues over BRL 250 million
13
CREDIT PORTFOLIO (BRL million)GEOGRAPHICAL DISTRIBUTION
Focus, agility and expertise in credit analysis are key differentiating features.
6.1%
6,305.0 7,157.2 8,079.8 8,790.8 9,323.9
3.858,6 4.410,4 4.950,3 5.426,1 5.784,0
2.446,4
2.746,8
3.129,4
3.364,7
3.539,9
3Q09 4Q09 1Q10 2Q10 3Q10
Guarantees issued
Loans
São Paulo -
Capital; 57%
São Paulo -
Countryside;
21%
Rio de
Janeiro; 14%
South; 8%
3Q09 2Q10 3Q10
Average Ticket (BRL million) 11.5 12.9 13.7
Duration (days) 322 360 376
Groups 549 679 682

14. 14
Middle Market
Companies with annual revenues from BRL 30 to 250 million
14
CREDIT PORTFOLIO (BRL million)GEOGRAPHICAL DISTRIBUTION
Besides expertise in credit analysis, state of the art collateral controls are essential.
Sep 10Sep 09
São Paulo - Capital;
45%
São Paulo -
Countryside; 10%
Rio de Janeiro;
10%
South; 30%
BH; 6%
3Q09 2Q10 3Q10
Average Ticket (BRL million) 1.8 2.0 2.0
Duration (days) 241 261 257
Groups 547 695 717
1.0%
984.4 1,242.0 1,314.3 1,388.0 1,401.8
932,5
1.173,7 1.252,2 1.346,1 1.365,3
51,9
68,3
62,1
41,9 36,4
3Q09 4Q09 1Q10 2Q10 3Q10
Guarantees issued
Loans
55,8% 44,7%
44,2% 55,3% Other
SP Capital

15. 15
Other Activities
Treasury
Investment Banking
Pricing & Asset Liability Management
Proprietary Trading
Hedge & Derivatives
15
FIDC
Debentures
Promissory Notes
Capital Markets
M&A
ABC Brasil is prepared to meet the growing demand of companies for sophisticated
financial products in a developing capital markets scenario in Brazil.

16. 16
. Who we are
. Business Segments
. Competition
. Financial Highlights

17. 17
Brazilian Banking Sector
Competitive advantages in corporate segment
Big retail
banks
17
Mid-sized
international banks
Mid-sized family
owned banks
Scale
Funding
Products
Agility
Focus

18. 18
Large
Corporate
CorporateMiddleMarket
Revenues Range (BRL Mi)
2,000+
250-
2,000
30-250
Individuals
and small
companies
Retail
Main Competitors
Big retail banks
Middle-sized international banks
18
Big retail banks
Middle-sized international banks
Big retail banks
Middle-sized family owned banks
Big retail banks
Middle-sized international banks
Middle-sized family owned banks
NUMBER OF CLIENTS
ABC Brasil focuses on the Corporate and Middle Market segments.
Brazilian Banking Sector

19. 19
. Who we are
. Business Segments
. Competition
. Financial Highlights

20. 20
Credit Portfolio Quality
20
Ratings according to Brazilian Central
Bank resolution nº 2.682. Percentage
of portfolio.
Segments
Loan
Portfolio *
(BRL million)
Write Off
(BRL million)
Write Off /
Loan Portfolio
LLR **
(BRL million)
LLR ** /
Loan Portfolio
Past Due >
90 days
(BRL million)
Past Due >
90 days /
Loan Portfolio
Corporate 5,784.0 4.3 0.07% 67.5 1.17% 5.2 0.09%
Middle Market 1,365.3 6.2 0.46% 49.6 3.63% 9.7 0.71%
Total - 3Q10 7,149.4 10.6 0.15% 117.0 1.64% 14.9 0.21%
D-H 2.4%
AA-C 97.6%
* Excluding guarantees issued.
** Loan Loss Reserves.
2002
2003
2004
2005
2006
2007
2008
2009
0.1%
0.7%
1.2%
0.0%
0.0% 0.2%
0.2%
0.6%
1.8%
2.7%
1.6%
1.2% 1.4%
1.0%
2.2% 2.3%
Losses Loan loss reserves
Percentage of portfolio.

21. 21
Credit Portfolio Quality
20
1,03% 0,99% 0,98% 1,05%
2,23%
2,81%
2,98%
2,64%
2,25%
1,92%
1,78%
1,64%
0,21% 0,25% 0,28% 0,34%
0,64%
1,18%
0,95%
0,65% 0,57%
0,33%
0,23% 0,21%
0,17% 0,11% 0,04%
0,05% 0,04%
0,16%
0,17%
0,28% 0,09%
0,32%
0,12% 0,15%
4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10
Loan Loss Reserves
NPL (over 91 days)
Write Off
0.87%
0.71% 0.68% 0.74%
1.80%
2.30% 2.31%
2.16%
1.83%
1.52%
1,29%
1,17%
0.14%
0.05%
0.15% 0.10%
0.38%
0.98%
0.61%
0.38%
0.51%
0.23%
0,12% 0,09%
0.04% 0.08%
0.01% 0.03% 0.00% 0.00%
0.13% 0.15%
0.04%
0.27%
0,00%
0,07%
2.30% 2.39% 2.33% 2.24%
4.03%
5.23%
5.54%
4.39%
3.65%
3.33%
3,64% 3,63%
0.66%
1.27%
0.95%
1.39%
1.84%
2.22% 2.28%
1.06%
0.69% 0.65% 0,60% 0,71%
0.08%
0.26% 0.20% 0.15% 0.13%
0.75%
0.13%
0.69%
0.21%
0.37% 0,50% 0,46%
CORPORATE MIDDLE MARKET
4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09

22. 22
Funding
22
Strong funding supply with attractive prices in both local and international markets.
BRL million

23. 23
Shareholder’s equity and Basel index
23
An offshore issuance of Subordinated Notes was concluded on April 8th in the amount of USD300 million,
raising the bank´s capital and its ability to leverage.
410 405
422
439
459
483
1.083 1.086
1.107
1.132
1.159 1.162 1.175
1.159
1.182
1.218
1.247
1.279
1.312
14,0%
13,4%
14,0% 13,9%
13,2%
13,6%
26,7%
23,1%
20,7%
19,2%
16,7%
18,0% 18,1% 17,9%
15,4%
14,6%
13,3%
17,8%
16,9%
12,0%
14,0%
16,0%
18,0%
20,0%
22,0%
24,0%
26,0%
28,0%
-
200,0
400,0
600,0
800,0
1.000,0
1.200,0
1.400,0
1Q06 2Q06 3Q06 4Q06 1Q07 2Q07 3Q07 4Q07 1Q08 2Q08 3Q08 4Q08 1Q09 2Q09 3Q09 4Q09 1Q10 2Q10 3Q10
Shareholder's equity (BRL M) Basel Index
IPO
Sub.
Debt

24. 24
Revenues
24
MANAGERIAL NET INTEREST INCOME
INCOME FROM SERVICES RENDERED
* Treasury result with managerial adjustments
NIM (p.a.)
NII (BRL million) 3Q10 2Q10 Chg.(%) 3Q09 Chg.(%) 9M10 9M09 Chg.(%)
Financial Margin with Clients 109.7 104.7 4.8 86.0 27.6 308.2 260.4 18.4
Treasury * 7.2 8.6 7.8 30.5 16.9
Net Interest Income before Loan-Loss Provisions (LLP) 116.9 113.3 3.2 93.8 24.6 338.7 277.2 22.2
LLP (8.9) (9.0) (1.1) (8.6) 3.5 (31.7) (49.1) (35.4)
LLP (Brazilian Central Bank resolution nº 2,682) (9.4) (11.6) (19.0) (17.0) (44.7) (34.8) (52.4) (33.6)
Additional LLP 0.5 2.6 8.4 3.1 3.4
Total 108.0 104.3 3.5 85.2 26.8 307.0 228.2 34.5
Income from services rendered (BRL million) 3Q10 2Q10 Chg.(%) 3Q09 Chg.(%) 9M10 9M09 Chg.(%)
Guarantees issued 17.4 16.5 5.7 12.4 41.1 48.8 29.7 64.7
Underwriting Fees and M&A 0.5 1.6 0.0 4.5 0.8
Banking Fees 4.8 8.1 (40.3) 3.7 29.8 20.1 9.4 113.8
Total 22.7 26.2 (13.2) 16.1 41.1 73.4 39.9 84.1
3Q09 4Q09 1Q10 2Q10 3Q10 9M09 9M10
5,6% 5,5% 5,7% 5,3% 5,1%
5,6% 5,3%

25. 25
Expenses
25
PERSONNEL, ADMINISTRATIVE AND PROFIT-SHARING EXPENSES
EFFICIENCY RATIO
(including profit sharing)
Expenses (BRL million) 3Q10 2Q10 Chg.(%) 3Q09 Chg.(%) 9M10 9M09 Chg.(%)
Personnel (23.1) (22.4) 3.2 (19.5) 18.4 (66.4) (57.6) 15.3
Other administrative expenses (13.7) (13.5) 1.8 (14.1) (2.5) (40.6) (39.6) 2.5
Profit Sharing (15.0) (15.4) (11.8) 27.1 (45.8) (28.5) 60.7
Total (51.8) (51.3) 1.1 (45.4) 14.2 (152.8) (125.7) 21.6
41,6% 41,7%
38,0% 37,6% 37,0%
39,9%
37,3%
3Q09 4Q09 1Q10 2Q10 3Q10 9M09 9M10

26. 26
Profitability
26
NET INCOME
BRL million
ROAE
(p.a.)
* Excluding extraordinary effects of divestment of participation in CETIP and adhesion to the Federal Government´s program for settlement of tax debits.
*
*
38,1
44,5 46,9 50,2 51,1
97,4
148,2
3Q09 4Q09 1Q10 2Q10 3Q10 9M09 9M10
13,0%
14,8% 15,2%
15,9% 15,8%
11,1%
15,7%
3Q09 4Q09 1Q10 2Q10 3Q10 9M09 9M10

27. 27
High Rating
with Strong
Sponsor &
Independent
Management
High Level of
Corporate
Governance
Expertise in
Corporate
Credit Risk
Assessment
Agile Decision
Making &
Experienced
Management
Sophisticated
and
Diversified
Products
Strong
Business
Origination
Capacity
Compelling investment case
27

28. 28
Investor Relations
Sergio Lulia Jacob
Director Vice-President and IRO
Alexandre Sinzato, CFA
Head of Investor Relations
Web Site: www.abcbrasil.com.br/ir
Email: ri@abcbrasil.com.br
Phone: +55 (11) 3170-2186
28

29. 29
Credit
Middle Market
Credit
Corporate
Deputy CEO
Anis Chacur Neto
Auditing Committee
Information
Technology
Financial Control
Group Audit /
Credit Group
Bahrein
Internal Auditing
Board
Commercial Corporate VP
Jose Eduardo C. Laloni
Legal
Risk
Compliance
Capital Markets
Investment Banking
CFO / COO
Sergio R. Borejo
Treasury & IR VP
Sergio Lulia Jacob
Commercial Middle VP
Gustavo A. Lanhoso
Commercial
Middle Market
Back Office
Human Resources
CEO
Tito Enrique da Silva Neto
Commercial
Corporate
International / FI
Treasury
Investor Relations
Products
Appendix – Corporate Structure
29
Business
Intelligence