This document summarizes the strategy, business segments, financial performance, and capital position of Banco ABC Brasil. It discusses the bank's focus on corporate and middle market clients, expansion into new regions, and growth of non-interest income. Key highlights include an increase in the middle market loan portfolio, diversified funding sources, and stable credit quality. The bank maintains strong capital ratios and profitability, with a return on equity above 20% and efficiency ratio around 35%.

1. 1
Investor Presentation 3Q12

2. 2
. Strategy, business segments and products
. Funding and capital base
. Financial highlights
. Ownership structure
. Key attributes

3. 3
89%
87%
85%
84%
87%
86%
87%
11%
11%
12%
14%
13%
14%
13%
2006 2007 2008 2009 2010 2011 Sep/12
Middle Market
Corporate
11,762
8,651
6,660
5,227
3,045
13,169
13.0%
(BRL Million)
14,884
3
Focus on Companies
3
Expanded Credit Portfolio*
Banco ABC Brasil offers commercial banking services to Corporate (annual revenues above BRL 250
mi) and Middle Market clients (annual revenues between BRL 30 and 250 mi). The Bank advises on
underwriting activities and mergers and acquisitions, offers commercial loans, treasury services, and
international lines of credit.
Distinct strategies for each business
segment:
• Increase profitability per client
in Corporate, through increased
cross-selling of products;
• Grow the number of clients in
the Middle Market;
Portfolio Mix: increase in
Middle Market participation.
* Includes Loans, Guarantees Issued and Corporate Securities portfolios

4. 4
Corporate
(annual revenues above BRL 250 mi)
4
Average Ticket
(BRL Million)
Average Tenor
(days)
Total Number
of Clients
Clients with
Credit Exposure
Sep/11 Jun/12 Sep/12
South
Rio de Janeiro
São Paulo Countryside
São Paulo Capital
Corporate Securities
(BRL Million)
Sep/11 Jun/12 Sep/12
Loans and
Guarantees Issued
(BRL Million)
Strategy:
Grow the profitability per client, through
increasing cross-selling of products.
Products:
• loans denominated in BRL and foreign
currencies
• trade finance
• underwriting and structuring advisory
services for capital markets transactions
• arrangement of syndicated loans in Brazil
and abroad
• BNDES onlending transactions
• M&A transactions
• treasury products
738 734 752
520 535 523
20.6 23.4 23.7
362 329 332
252 536 526
55% 53% 53%
19%
22% 20%
16%
16% 18%10%
9% 10%
Sep/11 Jun/12 Sep/12
10,729 12,524 12,412

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
TO
ABC Brasil
Offices
Middle Market
(annual revenues between BRL 30 and 250 mi)
5
Strategy:
Grow the number of clients,
mainly in new regions.
Sep/11 Jun/12 Sep/12
Average Ticket
(BRL Million)
Average Tenor
(days)
Total Number
of Clients
Clients with
Credit Exposure
Minas Gerais / Goiás
South
Rio de Janeiro
São Paulo Countryside
São Paulo Capital
Loans and
Guarantees Issued
(BRL Million)
1,104 1,154 1,168
839 949 917
2.1 2.0 2.1
225 212 214
42% 41% 41%
12% 13% 12%
9% 9% 9%
28% 27% 27%
9% 10% 11%
Sep/11 Jun/12 Sep/12
1,800 1,878 1,946
4
NEW
BUSINESS
PLATFORMS
GOIÁS
MATO GROSSO
RIBEIRÃO PRETO
SP 4
6
BUSINESS
PLATFORMS
IN EVOLUTION
(+RMs)
(> Efficiency)
3
MATURE
BUSINESS
PLATFORMS
(> Efficiency)
SP1
SP2
SP3
CAMPINAS
MINAS GERAIS
PARANÁ
RIO DE JANEIRO
RIO GRANDE DO SUL
SANTA CATARINA

6. 6
. Strategy, business segments and products
. Funding and capital base
. Financial highlights
. Ownership structure
. Key attributes

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
Sep/11 Dec/11 Mar/12 Jun/12 Sep/12
2,156 1,647 1,782 2,140 2,226
3,798 4,045 4,977 5,353 5,575
2,317 2,181 2,060 2,279 2,165
2,066 2,085 2,137 2,227 2,347
10,338 9,960 10,956 12,000 12,313 Total
14% 15% 14% 13% 13%
6% 6% 6% 5% 6%
Subordinated Debt
Shareholders´ Equity
22% 22% 19% 19% 18%
BNDES
21%
16% 16% 18% 18% International
12% 10% 9% 9% 9%
10% 11% 10% 9% 9%
7% 10% 13% 11% 10%
8% 10%
10% 10% 9%
3% 6% 8%
Local Bonds
(Letras Financeiras)
Individual Investors
Financial Institutions
Institutional Investors
Corporate Investors
37% 41% 45% 45% 45%

8. 8
Assets & Liabilities by maturity
8
(As of September, 2012)
4,171
3,459
2,158
2,378
855
119
1,381
4,670
2,359
1,950
316
825
2,789
(1,211)
(201)
428 539
(706)
1-30 days 31-180 days 181-360 days 1-3 years 4-5 years >5 years
Assets Liabilites Gap
2,789
1,578 1,377
1,805
2,344
1,638
AccumulatedGap
(BRL Million)

9. 9
Basel Index & Shareholders´ Equity
9
11.4% 11.3% 11.1% 10.2% 10.9%
4.4% 4.3% 4.1% 4.0% 4.1%
3Q11 4Q11 1Q12 2Q12 3Q12
TierII
TierI (Core Capital)
Shareholders' Equity
(BRL Million)
15.8% 15.6% 15.2%
14.2%
15.0%
1,460.2
1,499.6
1,535.6 1,565.8
1,638.6
Considering the US$ 100 million subordinated notes issuance concluded on October, 2012, the Basel Index would be 16.3%.
The transaction is under approval of the Brazilian Central Bank, and will compose the Tier II Capital of the bank after its ratification.
Capital Adequacy (BRL million) Sep/12 Jun/12
Chg 3M
(%) / p.p.
Sep/11
Chg 12M
(%) / p.p.
Capital 2,257.2 2,180.8 3.5% 2,025.7 11.4%
Mininum Capital Required 1,654.1 1,687.7 -2.0% 1,410.9 17.2%
Capital Surplus 603.2 493.0 22.3% 614.9 -1.9%
Basel Ratio 15.0% 14.2% 0.8 15.8% -0.8
Tier I (Core Capital) 10.9% 10.2% 0.7 11.4% -0.5
Tier II 4.1% 4.0% 0.1 4.4% -0.3

10. 10
. Strategy, business segments and products
. Funding and capital base
. Financial highlights
. Ownership structure
. Key attributes

11. 11
11
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% 1.03%
0.31% 0.21% 0.21% 0.11% 0.17% 0.15% 0.19% 0.21%
0.57% 0.52% 0.56%
0.23% 0.12% 0.09% 0.05% 0.06% 0.08% 0.09% 0.11%
0.47% 0.39% 0.42%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12
Middle
Total
Corporate
3.33% 3.64% 3.63% 3.60% 3.59% 3.45%
3.02% 3.00%
3.68%
4.06% 3.99%
1.86% 1.74% 1.64% 1.62% 1.72% 1.69% 1.69% 1.73% 1.95% 2.04% 2.24%
1.52% 1.29% 1.17% 1.13% 1.22% 1.18% 1.30% 1.33% 1.41% 1.48% 1.74%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12
Middle
Total
Corporate

12. 12
12
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%
0.55%
0.29%
0.10% 0.15% 0.08% 0.10% 0.06%
0.24% 0.15%
0.06% 0.08%
0.20%
0.27%
0.00% 0.07% 0.03% 0.00% -0.01% 0.08% 0.02% 0.01% 0.04% 0.10%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12
Middle
Total
Corporate
3.1% 3.0%
2.4%
2.1%
2.0% 1.9% 2.0%
2.4%
2.7% 2.5%
2.6%
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12
D-H

13. 13
Financial Margin
13
NIM (% p.a.)
(BRL million) 3Q12 2Q12 Chg (%) 3Q11 Chg (%) 9M12 9M11 Chg (%)
Net Interest Income before Loan Loss Provision (LLP) 147.6 144.4 2.2% 146.8 0.5% 432.9 415.7 4.1%
Shareholders´ Equity remunerated at CDI rate 28.4 32.0 -11.3% 42.8 -33.6% 97.2 117.2 -17.0%
Financial Margin with Clients 98.0 89.6 9.3% 94.3 3.9% 272.5 260.5 4.6%
Financial Margin with Market 21.1 22.7 -7.0% 9.6 119.9% 63.2 38.0 66.3%
Loan Loss Provision (LLP) (32.8) (28.7) 14.6% (24.6) 33.6% (85.2) (38.6) 120.8%
Managerial Financial Margin 114.7 115.7 -0.9% 122.2 -6.1% 347.6 377.1 -7.8%
5.7% 5.5% 5.3% 5.0% 4.8%
5.6%
5.0%
3Q11 4Q11 1Q12 2Q12 3Q12 9M11 9M12

14. 14
Income from Services
14
Banking Service Fees (BRL million) 3Q12 2Q12 Chg (%) 3Q11 Chg (%) 9M12 9M11 Chg (%)
Guarantees Issued 27.4 26.0 5.4% 23.5 16.9% 77.6 66.9 16.0%
Capital Markets and M&A Fees 3.1 2.0 57.8% 2.4 33.3% 7.0 7.2 -2.3%
Banking Tariffs 4.6 4.1 12.3% 4.2 8.8% 12.0 16.5 -27.3%
Total 35.2 32.1 9.5% 30.0 17.0% 96.6 90.5 6.7%
14.9 16.5 17.4
19.6 20.8 22.6 23.5 23.8 24.2 26.0 27.4
7.1
8.1 4.9
6.9
6.8
5.4 4.2 3.8 3.3
4.1
4.6
2.4
1.6
0.5
8.2
2.0 2.8
2.4 7.2
1.9
2.0
3.1
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12
Capital Markets and
M&A Fees
Banking Tariffs
Guarantees Issued
Income from Services
Total of Revenues
(BRL Million)
20.5% 20.1%
17.6%
23.8%
19.7% 20.3%
18.3%
20.6%
18.3% 19.0%
20.7%

15. 15
Expenses
15
Efficiency Ratio (Cost/Income)
Expenses (BRL million) 3Q12 2Q12 Chg (%) 3Q11 Chg (%) 9M12 9M11 Chg (%)
Personnel (31.0) (32.2) -3.8% (28.2) 10.0% (94.3) (81.7) 15.5%
Other Administrative Expenses (17.7) (19.6) -9.7% (16.6) 6.6% (53.0) (48.9) 8.4%
Profit Sharing (14.0) (13.1) 7.0% (17.0) -17.3% (37.2) (51.4) -27.6%
Total (62.8) (65.0) -3.4% (61.8) 1.6% (184.5) (182.0) 1.4%
36.4% 37.9%
33.9%
36.9% 35.3% 37.6% 35.4%
3Q11 4Q11 1Q12 2Q12 3Q12 9M11 9M12

16. 16
Profitability
16
Net Income (BRL Million) ROAE (% p.a.)
58.5 60.6 56.9 55.0 55.1
175.4 167.0
3Q11 4Q11 1Q12 2Q12 3Q12 9M11 9M12
16.2% 16.4%
15.0% 14.2% 13.8%
16.7%
14.3%
3Q11 4Q11 1Q12 2Q12 3Q12 9M11 9M12

17. 17
. Strategy, business segments and products
. Funding and capital base
. Financial highlights
. Ownership structure
. Key attributes

18. 18
Ownership Structure
18
ABC Brasil
Local Management
11.4%
Voting CapitalTotal Capital
Free-float
34.2%
Local Management
and Directors
58.0%
ABC
88.6%
ABC
7.8%
59.4%
Central
Bank of Libya
29.7%
Kuwait
Investment
Authority
Free-float
10.9%
Arab Banking Corporation
(Parent Company)
International bank
headquartered in Bahrain

19. 19
Controlling Shareholder
International bank headquartered in Bahrain
Listed on the Bahrain stock exchange
Main Shareholders
Central Bank of Libya 59.4%
Kuwait Investment Authority 29.7%
Free-float 10.9%
19
Total Assets: US$ 24.4 Bn
Shareholders’ Equity: US$ 3.7 Bn
BIS Ratio: 23.0%
Core capital (Tier I): 18.6%
(As of June, 2012)

20. 20
. Strategy, business segments and products
. Funding and capital base
. Financial highlights
. Ownership structure
. Key attributes

21. 21
Key Attributes
21
Expertise in Corporate
Credit Risk Assessment
Agile Decision Making &
Experienced Management
Sophisticated
and
Diversified
Products
Investment
Grade
Ratings
Strong Business Origination
Capacity
Strong Sponsor &
Independent Management

22. 22
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
22
Investor Relations

23. 23
Appendix - Expanded Credit Portfolio
23
(BRL million) Sep/12 Jun/12 Chg 3M (%) Sep/11 Chg 12M (%)
Loans 8,470.4 8,519.8 -0.6% 7,753.9 9.2%
Corporate 6,580.0 6,680.2 -1.5% 5,997.3 9.7%
Middle 1,890.4 1,839.6 2.8% 1,756.6 7.6%
Guarantees Issued 5,888.1 5,882.3 0.1% 4,775.1 23.3%
Corporate 5,832.4 5,843.8 -0.2% 4,732.0 23.3%
Middle 55.7 38.6 44.5% 43.1 29.4%
Loans + Guarantees Issued 14,358.5 14,402.1 -0.3% 12,529.0 14.6%
Corporate 12,412.4 12,524.0 -0.9% 10,729.3 15.7%
Middle 1,946.1 1,878.2 3.6% 1,799.7 8.1%
Corporate Securities
(Corporate Segment)
525.6 536.0 -1.9% 252.3 108.3%
Expanded Credit Portfolio 14,884.1 14,938.1 -0.4% 12,781.3 16.5%

24. 24
24
Appendix - Corporate Structure
Mesa Cliente Credit Middle
Market
Credit Corporate
CEO
Anis Chacur Neto
Auditing Commitee
Financial Control
Group Audit /
Bahrain
Internal Auditing
Commercial Corporate VP
Jose Eduardo C. Laloni
Compliance
Commercial
Corporate
Financial & Admin. VP
Sergio R. Borejo
Capital Markets Products
Financial
Institutions
Treasury & IR VP
Sergio Lulia Jacob
Investor Relations
Treasury
Commercial Middle VP
Gustavo A. Lanhoso
Commercial Middle
Back Office
Information
Technology
HR & Marketing
Dealing Desk
Board
Investment Banking
Business
Intelligence
Risk VP
Renato Pasqualin
Sobrinho
Risk
Legal

25. 25
25
Members
-Anwar Ali Al Mudhaf ABC Brasil Chairman & Arab Banking
Corporation Board Member, Kuwaiti
-Roy Hannay Gardner Arab Banking Corporation executive, Scottish
-Asaf Mohyuddin Arab Banking Corporation executive, Pakistani
-Tito Enrique da Silva Neto Former CEO of ABC Brasil, Brazilian
-Ricardo Alves Lima Brazilian
-Edgar Uchôa Brazilian
Appendix - Board of Directors

26. 26
Appendix - Brazilian Banking Sector
ABC Brasil focuses on the Corporate and Middle Market segments
Large
Corporate
CorporateMiddleMarketRetail
Number of Clients
2,000+
250-
2,000
30-250
Individuals and
small companies
Big retail banks
Middle-sized international banks
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
26
(BRL Million)
Annual Revenues Main Competitors

27. 27
IPO
1989 1997 2005 20122007
Appendix – History in Brazil
Arab Banking
Corporation and local
management acquire
Roberto Marinho
Group’s shares
The bank’s name
changes to
Banco ABC Brasil S.A.
The bank
structures its
Middle Market
operations
Arab Banking Corporation and
Roberto Marinho Group jointly
initiate Banco ABC Roma S.A.,
acting in the segments of
corporate lending, trade
finance and treasury
27

28. 28
Disclaimer
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.