This 3 sentence summary provides the key highlights from the 3Q08 Earnings Presentation: The presentation discusses Banco ABC Brasil's 3Q08 financial results, noting that net income grew 11.5% over 2Q08 to R$48.4 million, the efficiency ratio was 35.8%, and the credit portfolio reached R$6,879.1 million, growing 5.9% over 2Q08. Return on equity was a strong 16.9% for the quarter.

1. 3Q08 Earnings Presentation
s
October 30, 2008
Speak
kers:
Anis Chacur Neto Deputy CEO
o –
Sergio Lulia Jacob ‐ Exe
ecutive VP & IR Officer
Alexandre Yoshiaki Sin
nzato – IR Manager
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2. 3Q08 Hi
ighlights
Net Income of R$48.4 million in 3Q08, growing by 11.5% from R$43.4 million in 2Q08 and by
107.7% year over year. In 2008, Interest on Equity began to be paid on a quarterly basis, with the
payment to shareholders in 3Q08 of gross IOE o R$17.6 million.
of
The Efficiency Ratio was 35.8% in 3Q08, from 35.1% in 2Q08 and 37.4% in 3Q07, one of the best
efficiency ratios presented by the bank market.
The Credit Portfolio, including guarantees, reached R$6,879.1 million, growing 5.9% in relation to
2Q08 and 61 8% year over year
61.8% year.
The Loan Portfolio (Resolution 2,682) grew by 9
9.8% (3Q08 versus 2Q08).
Portfolio quality remained high, with 99.4% of loan operations rated from AA to C (Central Bank
f
Resolution 2,682), compared with 99.3% in 2Q0 and 99.3% in 3Q07.
08
The Return on Equity (ROAE) reached 16.9% in 3Q08 versus 10.1% in 3Q07 and 15.5% in 2Q08.
2

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

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

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

6. Credit Portfolio
WHOLESALE AN
ND LARGE MIDDLE
CAGR = 54.1% Minas Gerais +
Northeast
South 2.6%
5,527.1 5,678.4 12.9%
1,512.6 São Paulo ‐
1,625.1 Rio de Janeiro
R Capital
3,684.2 12.6% 38.7%
868.1
3,902.0 4,165.8
2,816.1
São Paulo ‐
3Q07 2Q08 3Q08 Countryside
33.3%
Loans Guarantees issued
Wholesale + L. Middle 3Q07 2Q08 3Q08
Ticket 8.3 11.0 10.1
Duration * 396 314 317
Clients 446 504 529
*excluding BNDES operations
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7. Credit Portfolio
MIDDLE MARKET
Minas Gerais
CAGR = 96.6% South 9.2%
979.9 4.3%
773.8 37.2 Rio de Janeiro
3.8%
19.1
498.5 São Paulo ‐
19.4 Countryside
C
942.7
754.7 11.0%
479.1
São Paulo ‐
Capital
C i l
71.7%
3Q07 2Q08 3Q08
Loans Guarantees issued
Middle Market 3Q07 2Q08 3Q08
Ticket 1.7 2.0 2.4
Duration * 166 197 193
Clients 297 389 409
* excluding BNDES operations
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8. Credit Portfolio
PAYROLL‐
‐DEDUCTIBLE
CAGR = 225.2%
INSS
20.6%
220.8
197.8
67.9
67 9
3Q07 2Q08 3Q08 Others
79.4%
Loans
Payroll‐Deductible 3Q07 2Q08 3Q08
Average Term 580 751 752
Agreements 4
24 37 39
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9. Other A
Activities
TREASURY AND
D CAPITAL MARKET
Capital Market (R$ mi) 3Q08
8 2Q08 Chg.(%) 3Q07 Chg.(%)
Underwriting Fees and Structured Oper. 2.3 1.3 76.9 3.5 (34.3)
Number of trades 5 5 NA 5 NA
Treasury (R$ mi) 3Q08
8 2Q08 Chg.(%) 3Q07 Chg.(%)
Income 4.5 9.8 (54.5) (0.8) (656.9)
Average consolidated VaR 4.3 3.4 26.5 2.6 65.4
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10. Fun
nding 5,459.3
4,819.4
4,354.3
40.6%
3,841.3
36.3%
3,164.6 43
3.0%
44.0%
7.4% Retail
International 35.4%
10.3%
2.7%
9.2% BNDES
2.5%
1.8% 2.4% 10
0.5%
13.4% 11.3% 22.4% 19.5% Institutional
19
9.0%
24.4% 20.2%
Local
25
5.0% 28.3% 23.3% Corporate
25.0% 22.1%
Sep 2007 Dec 2007 Ma 2008
ar Jun 2008 Sep 2008
Open Market Deposits and Funding (R$ mi) 3Q08 2Q08 Chg.(%) 3Q07 Chg.(%)
Until 3 months 1,088.4 788.3 38
8.1 664.3 63.9
3 to 12 months 1,160.9 1,343.3 (13
3.6) 570.1 103.6
1 to 3 years 665.5 614.0 8.4
8 485.8 37.0
Above 3 years 20.8 36.5 (43
3.0) 26.4 (21.0)
Total 2,935.6 2,782.1 5.5 1,746.4 68.1
Borrowing and on Lending Obligations 3Q08 2Q08 Chg.(%) 3Q07 Chg.(%)
Until 3 months 952.1 487.2 95
5.4 341.9 178.5
3 to 12 months 1,113.6 1,111.0 0.2
0 621.6 79.1
1 to 3 years 384.3 360.8 6.5
6 370.9 3.6
Above 3 years 73.6 78.3 (6
6.0) 83.8 (12.2)
Total 2,523.7 2,037.3 23.9
2 1,418.2 77.9
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11. Profi
itability
NET INCOME – R$ MILLION
Other
Operating
Net Interest
Loan Expenses Income Tax and
88.8 Social
Income
Operations
Contribution
(27.8)
(22.2) Profit NET
Treasury
Sharing INCOME
4.5
Impact of IO
OE 7.0 (13.9)
Services 12.1
48.4
(15.2)
105.4
05
Income Statement (R$ mi) 3Q08
Net Interest Income after PLL
70.1
Adjustment of exchange Gains/Losses effect on Offshore Inve
estments (a)
16.6
Taxes adjustment of exchange effect on Offshore Investmentts (b)
6.6
Net Interest Income
93.3
Banking services fees
12.1
Personnel Expenses/Other Administrative/Tax
(30.7)
Other operating income/expenses
18.3
estments (a)
Adjustment of exchange Gains/Losses effect on Offshore Inve
(16.6)
Non Operating Income
1.2
Earnings before tax Income
77.6
Taxes
(8.6)
ts (b)
Taxes adjustment of exchange effect on Offshore Investment
(6.6)
Profit Sharing
(13.9)
Net Income 48.4
11

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

13. Ra
atios
NIM STOCKHOLDERS’ EQUITY (R$ mi)
AND BASEL INDEX (%)
26.7% 1,158.8
6.6% 6.5%
1,131.8
6.4%
6.2%
1,082.9
19.2%
19,2%
5.5% 16.7%
16,1%
3Q07 2Q08 3Q08 9M07 9M08 3Q07 2Q08 3Q08
EFFICIENCY RATIO (%) – inc
cluding profit sharing
37.4%
35.8%
35.1%
3Q07 2Q08 3Q08
13

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

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

16. Discla
aimer
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 d declaration, implicitly or explicitly, as to the accuracy,
completeness or scope of this information.
This presentation may include forward‐looking state ements 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
d
the control of the Company. Important factors that m lead to significant differences between the actual
may
results and the statements of expectations about future events or results include the company’s business
strategy,
strategy Brazilian and International economic condit tions, technology,
tions technology financial strategy financial market
strategy,
conditions, uncertainty regarding the results of its fu
uture operations, plans, objectives, expectations and
intentions, among others. Considering these fac ctors, the actual results of the company may be
significantly different from those shown or implicit in the statement of expectations about future events
n
or results.
The information and opinions contained in this presentation should not be understood as a
s
recommendation to potential investors and no invest tment decision is to be based on the veracity, current
events or completeness of this information or thes opinions. No advisors to the company or parties
se
related to them or their representatives should have any responsibility for any losses that may result from
the use or contents of this presentation.
16