1. 1
4Q09 Earnings Release
Anis Chacur Neto
Deputy CEO
Sérgio Lulia Jacob
Director Vice-President & IRO

2. 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
2
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.

3. Highlights
o Net Income of BRL 53 million in 4Q09 and BRL 151 million in 2009.
o Adjusted Return on Equity of 14.8% p.a. in 4Q09, 12.1% in 2009.
o Credit Portfolio of BRL 8.5 billion, an increase of 31% in the year.
1,214 clients, growth of 33% in 2009.
3
o 1,214 clients, growth of 33% in 2009.
o BRL 1.2 billion of Middle Market credit portfolio, a growth of 52.9%
in the year.

4. 1,130.3 1,141.9 1,159.5 1,182.2
1,218.4
6,485.5 6,435.5 6,598.1 7,422.2 8,509.2
14.6%
84.2% 86.0% 84.3% 84.9% 84.1%
18.0% 18.1% 17.9%
31.2%
CREDIT PORTFOLIO (BRL million)
Including guarantees issued
Credit Portfolio
SHAREHOLDERS’ EQUITY (BRL million)
AND BASEL INDEX
4
4Q08 1Q09 2Q09 3Q09 4Q09
4,708.1 4,395.7 4,438.1 4,863.4 5,644.7
16.1%
12.5% 11.2% 13.3% 13.3% 14.6%
81.1% 82.0% 79.0% 79.3% 78.1%
16.6% 15.8% 19.1% 19.2% 20.8%
18.0% 18.1% 17.9%
15.4% 14.6%
19.9%
LOANS (BRL million)
4Q08 1Q09 2Q09 3Q09 4Q09

5. 1 2 3 4 5 6 7
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 4,410.4 1.6 0.04% 80.9 1.83% 22.7 0.51%
Middle Market 1,173.7 2.4 0.21% 42.8 3.65% 8.1 0.69%
Other 60.7 1.1 1.75% 3.4 5.66% 1.5 2.49%
Total - 4Q09 5,644.7 5.1 0.09% 127.2 2.25% 32.4 0.57%
3Q09 4,863.4 13.4 0.28% 128.4 2.64% 31.5 0.65%
Credit Portfolio Quality
5
Dec/2009
* Excluding guarantees issued.
2Q09 4,438.1 7.7 0.17% 132.4 2.98% 42.1 0.95%
1Q09 4,395.7 6.9 0.16% 123.4 2.81% 51.9 1.18%
4Q08 4,708.1 2.0 0.04% 105.2 2.23% 30.3 0.64%
1,03% 0,99% 0,98% 1,05%
2,23%
2,81%
2,98%
2,64%
2,25%
0,21% 0,25% 0,28% 0,34%
0,64%
1,18%
0,95%
0,65% 0,57%
0,17% 0,11% 0,04% 0,05% 0,04% 0,16% 0,17% 0,28% 0,09%
4T07 1T08 2T08 3T08 4T08 1T09 2T09 3T09 4T09
Saldo de PDD
Atraso (> 90 dias)
Perdas
AA-C; 95.8%
D-H; 4.2%

6. Corporate
(BRL Mi)
13.5%
5,462.8 5,533.0 5,563.1 6,305.0 7,157.2
31.0%
3,816.9 3,606.0 3,506.7 3,858.6
4,410.4
1,645.9 1,927.0 2,056.4
2,446.4
2,746.8
Guarantees Issued
Loans
6
4Q08 3Q09 4Q09
Ticket 10.6 11.5 12.0
Duration 331 322 342
Groups 514 549 596
4Q08 1Q09 2Q09 3Q09 4Q09
São Paulo
55.9%
São Paulo -
Countryside
25.4%
Rio de Janeiro
9.7%
South
9.0%

7. Middle Market
(BRL Mi)
26.2%
812.4 718.0 877.0 984.4 1,242.0
52.9%
780.9
692.5
847.9 932.5
1,173.7
31.4
25.5
29.1
51.9
68.3
Guarantees Issued
Loans
7
(BRL Mi)
4Q08 3Q09 4Q09
Ticket 2.0 1.8 2.0
Duration 202 241 258
Groups 398 547 618
4Q08 1Q09 2Q09 3Q09 4Q09
780.9
692.5
847.9
São Paulo
60.1%São Paulo -
Countryside
9.7%
Rio de Janeiro
6.0%
South
17.1%
Minas Gerais
7.1%

8. TREASURY AND CAPITAL MARKETS
Treasury (BRL Mi) 4Q08 3Q09 4Q08 2009 2008
Revenues 10.8 7.8 2.8 27.7 29.0
Consolidated Average VaR 2.3 4.9 6.3 3.3 4.2
Other Activities
8
Capital Markets (BRL Mi) 4Q08 3Q09 4Q08 2009 2008
Underwriting Fees and Structured Operations 0.6 0.03 0.8 1.2 4.4
Numbers of deals 3 1 3 7 15

9. 8%
10%
47%
39% 32%
24%
23%
International
Retail
5,690.9
5,076.1 4,999.4
5,532.1
5,841.6
Funding
(BRL Mi)
9
dec/08 mar/09 jun/09 sep/09 dec/08
16% 22% 20% 20% 22%
9%
14%
13%
15%
13%12%
8% 12%
14% 10%10% 11% 14%
19% 22%
6% 6%
9%
8%
BNDES
Financial
institutions
Institutional
Corporate

10. Managerial Income Statement
Managerial Income Statement (R$ MM) 4Q09 3Q09 Chg.(%) 4Q08 Chg.(%) 2009 2008 Chg.(%)
Net Interest Incomen before Loan-Loss Provisions (LLP) 98,5 104,6 79,3 410,3 351,8
Exchange Gain/Losses effect - Cayman (1,6) (7,3) 21,7 (26,0) 30,3
Fiscal benefit from exchange effect - Cayman + Gov. Sec. - Abroad 1,9 (3,4) 13,9 (8,4) 20,5
(-) Payroll Credit Assignment (11,9) (11,9)
Managerial Net Interest Income before LLP 98,7 93,8 5,2 103,0 (4,2) 376,0 390,6 (3,8)
Credit Operations 87,9 86,0 2,3 95,5 (7,9) 348,3 356,9 (2,4)
Payroll Credit Assignment 4,7 4,7
Treasury 10,8 7,8 2,8 27,7 29,0
10
Treasury 10,8 7,8 2,8 27,7 29,0
LLP (4,1) (8,6) (52,4) (54,1) (92,4) (53,1) (79,8) (33,4)
LLP (Brazilian Central Bank resolution nº 2,682) (10,8) (17,0) (36,5) (63,2) (62,2)
Additional LLP 6,8 8,4 (17,6) 10,1 (17,6)
Managerial Net Interest Income after LLP 94,6 85,2 11,0 49,0 93,2 322,8 310,8 3,9
Banking services fees 19,8 16,1 22,9 11,2 77,1 59,7 43,1 38,3
Personnel Expenses/Other Administrative/Tax (39,5) (34,2) 15,5 (35,9) 9,9 (138,4) (118,8) 16,4
Other operating income/expenses (20,4) (4,7) (5,9) (34,8) (19,6)
Non Operating Income (0,3) (0,2) 0,0 (3,3) 1,2
Earnings before Income tax 54,3 62,2 (12,7) 18,3 196,0 206,0 216,8 (5,0)
Taxes 13,0 (15,7) 16,2 (12,8) (13,4)
Profit Sharing (13,5) (11,8) 14,3 (4,8) 184,0 (42,1) (45,1) (6,7)
Net Income 53,7 38,1 40,9 15,9 237,5 151,2 137,8 9,7
(-)Net Effects (of Income Tax)
Divestment of CETIP (5,1) (5,1)
Program for settlement of tax debits (REFIS) (4,1) (4,1)
Adjusted Net Income 44,5 38,1 16,8 15,9 179,7 142,0 137,8 3,0

11. Revenues
MANAGERIAL NET INTEREST INCOME
NII (BRL million) 4Q09 3Q09 Chg.(%) 4Q08 Chg.(%) 2009 2008 Chg.(%)
Credit Operations 87.9 86.0 2.3 95.5 (7.9) 348.3 356.9 (2.4)
Payroll Credit Assignment - - - 4.7 (100.0) - 4.7 (100.0)
Treasury* 10.8 7.8 37.7 2.8 281.7 27.7 29.0 (4.6)
Net Interest Income before Loan-Loss Provisions (LLP) 98.7 93.8 5.2 103.0 (4.2) 376.0 390.6 (3.8)
LLP (4.1) (8.6) (52.4) (54.1) (92.4) (53.1) (79.8) (33.4)
LLP (Brazilian Central Bank resolution nº 2,682) (10.8) (17.0) (36.5) (63.3) (62.2)
Additional LLP 6.8 8.4 (17.6) 10.1 (17.6)
Total 94.6 85.2 11.0 49.0 93.3 322.8 310.8 3.9
11
INCOME FROM SERVICES RENDERED
* Treasury result with managerial adjustments
NIM (p.a.)
Income from services rendered (BRL million) 4Q09 3Q09 Chg.(%) 4Q08 Chg.(%) 2009 2008 Chg.(%)
Guarantees issued 14.1 12.4 13.7 6.6 112.9 43.7 22.0 98.6
Underwriting Fees and Structured Operations 0.6 0.03 0.8 1.2 4.4
Banking Fees 5.1 3.7 37.1 3.8 35.3 14.8 16.7 (11.7)
Total 19.8 16.1 22.9 11.2 77.1 59.7 43.1 38.3
4Q08 1Q09 2Q09 3Q09 4Q09 2008 2009
5.9%
5.2%
5.9% 5.6% 5.5%
6.3%5.5%
Total 94.6 85.2 11.0 49.0 93.3 322.8 310.8 3.9

12. Expenses
PERSONNEL, ADMINISTRATIVE AND PROFIT-SHARING EXPENSES
Expenses (BRL million) 4Q09 3Q09 Chg.(%) 4Q08 Chg.(%) 2009 2008 Chg.(%)
Personnel (20.3) (19.5) 3.7 (20.7) (2.3) (77.9) (68.5) 13.7
Other administrative expenses (15.7) (14.1) 11.3 (14.5) 7.8 (55.2) (47.4) 16.5
Profit Sharing (13.5) (11.8) 14.3 (4.8) 184.0 (42.1) (45.1) (6.7)
Taxes (3.5) (0.6) (0.6) (5.2) (2.9)
Total (53.0) (46.0) 15.2 (40.7) 29.6 (180.4) (163.9) 9.9
12
EFFICIENCY RATIO
(including profit sharing)
Total (53.0) (46.0) 15.2 (40.7) 29.6 (180.4) (163.9) 9.9
4Q08 1Q09 2Q09 3Q09 4Q09 2008 2009
35.0%
40.9%
37.8%
41.9% 42.0%
37.4%
40.7%

13. Profitability
*
*
*
*
ADJUSTED NET INCOME
BRL million
ADJUSTED ROAE
(p.a.)
5.5%
8.3%
12.0%
13.0%
14.8%
12.3% 12.1%
15.9
24.0
35.4 38.1
44.5
137.8 141.9
13
Additional Provision expense net of taxes (above the minimum required by Brazilian Central Bank resolution nº 2,682)
4Q08 1Q09 2Q09 3Q09 4Q09 2008 2009
3.7%
0.9%
-1.7% -1.4%
0.9%
-0.6%
4Q08 1Q09 2Q09 3Q09 4Q09 2008 2009
10.4
2.7
-5.0 -4.1
10.4
-6.4
4Q08 1Q09 2Q09 3Q09 4Q09 2008 2009
15.9
24.0
4Q08 1Q09 2Q09 3Q09 4Q09 2008 2009
•Excluding extraordinary effects of divestment of CETIP and joint to program for settlement of tax debits published by the Federal Government (REFIS)

14. Guidance 2009
Estimated x realized
Estimated Realized
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Estimated Realized
Credit Portfolio 2% - 12% 31.2%
Corporate 0% - 10% 31.0%
Middle Market 30% - 40% 52.9%
Personnel and Administrative expenses 8% - 12% 14.8%

15. Guidance 2010
% Growth
Credit Portfolio 2% - 12%
15
Credit Portfolio 2% - 12%
Corporate 0% - 10%
Middle Market 30% - 40%
Personnel and Administrative expenses 8% - 12%

16. Contacts
Investor Relations
Sérgio Lulia Jacob
Director Vice-President & IRO
16
Alexandre Sinzato, CFA
IR Superintendent
www.abcbrasil.com.br/ir
ri@abcbrasil.com.br
+55 (11) 3170-2186