4th Quarter 2007 Earnings Presentation

1. Speakers:
Tito Enrique da Silva Neto CEO & Member of the Board of Directors
Sérgio Lulia Jacob Executive Vice President & IR Officer
Alexandre Sinzato IR Manager
4Q07 Results Presentation
January, 31
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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 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.
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3. 2007 Highlights
• Banco ABC BRASIL successfully concluded its initial public offering (IPO) in July
2007. Proceeds from the offering increased stockholders’ equity to R$1,085.6 million
as of 12/31/2007.
• The credit portfolio, including guarantees, reached R$4,992.2 million, growing 71% in
relation to the 4Q06 and 17% in relation to the 3Q07.
• The quality of the loan portfolio remained high, with 99.5% of loan operations rated
between AA and C (Brazilian Central Bank Resolution 2682), compared to 98.8% in
the 4Q06 and 99.3% in the 3Q07.
• Net income in the quarter (excluding non-recurring expenses from the IPO)
increased by 154.6% to R$50.7 million, from R$19.9 million in the 4Q06, representing
an increase of 117.6% over 3Q07. Net income for 2007 was R$118.2 million, an
increase of 93.8% compared with R$61.0 million in 2006. The bank distributed the
gross amount of R$ 43.4 million as interest on shareholders equity.
• Our credit rating assigned by Fitch Ratings, equivalent to “AA-” on the national level
and “BB+” on the global level, with a stable outlook, is the highest among publicly-
held midsize banks.
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4. Ownership Structure
Free Float
33,2%
ABC BSC
56%
Associates
1,4%
Local
Management
9,4%
Market Cap
R$ 1.61 Billion
Note: market capitalization calculated based on the share price of R$11.85 as of 12/28/2007.
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5. Credit Portfolio
(R$ mm) Including guarantees
4,992
CAGR = 71.5%
1.9%
4,251 11.8%
1.6%
3,557 11.7%
3,194
2,911 11.6% 1.2%
10.7% 0.9%
10.6% 0.5%
86.3%
86.7%
88.4% 87.2%
88.9%
4Q06 1Q07 2Q07 3Q07 4Q07
Wholesale+L.Middle Middle Consumer
Portfolio By Ticket
12/31/07 (%) 12/31/06 (%)
(R$)
0 - 500 Thousand 125.6 3.2 34.2 1.5
500 Thousand - 2 MM 192.8 5.0 172.1 7.4
2 MM - 5 MM 448.8 11.5 381.9 16.4
5 MM - 10 MM 772.0 19.9 487.4 20.9
> 10 MM 2,348.1 60.4 1,259.6 53.9
Loans 3,887.2 100.0 2,335.1 100.0 5

6. High-Quality Credit Portfolio
Credit Porfolio %
4Q07
Rating (*) Portfolio
AA 707.0 18.2%
D-H D-H 21.2
0.55 % A 1,745.6 44.9%
(In R$ Million)
B 1,169.6 30.1%
C 243.8 6.3%
D 7.9 0.2%
E 1.3 0.0%
AA-C
99.45 %
AA-C 3,866.0 F 1.0 0.0%
(In R$ Million) G 1.5 0.0%
H 9.5 0.2%
Total 3,887.2 100.0%
*does not include guarantees issued
4Q07
Write-off % % %
Segment Loan Porfolio 4Q07 PLL Past Due
2007 Portfolio Portfolio Portfolio
Wholesale/Large Middle 3,216.2 3.0 0.09% 25.4 0.79% 7.3 0.23%
Middle 574.7 3.6 0.63% 13.2 2.30% 5.8 1.02%
Consumer 96.3 0.1 0.12% 1.4 1.41% 0.5 0.49%
3,887.2 6.7 0.17% 40.0 1.03% 13.6 0.35%
Average Annual Losses/Portfolio in the past 10 years: 0.25%
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7. Business Segments

8. Middle Market
Middle (R$ mm) - Including guarantees
CAGR = 89.9%
SP BH
587 Interior
498 4.14%
8.79%
309
4Q06 3Q07 4Q07
SP
87.07%
12/31/2006 12/31/2007
Duration 110 days 181 days
Average Ticket R$ 1.3 MM R$ 1.9 MM
Clients 233 311
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9. Wholesale and Large Middle
Wholesale+L.Middle (R$ mm) - Including guarantees
CAGR = 66.5%
4,309 RJ / NE
3,684 11.38%
2,587 SP
38.16%
Sul
11.04%
4Q06 3Q07 4Q07
12/31/2006 12/31/2007
Duration 349 days 352 days SP
(excl. BNDES)
Interior /
CO
AverageTicket R$ 6,8 MM R$ 9.2 MM 39.42%
Clients 379 466
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10. Other Activities
Capital Market
4Q07 3Q07 Chg (%) 4Q06 Chg (%) 12M07 12M06 Chg (%)
Underwriting Fees and Structured Oper.
4.6 3.5 32.3 2.9 59.3 17.8 9.5 88.6
(R$ MM)
Number of Deals 6 7 (14.3) 5 20.0 29 20 45.0
Consumer
4Q07 3Q07 Chg (%) 4Q06 Chg (%)
Portfolio (R$ MM) 96.3 67.9 41.8 14.4 568.6
Agreements 29 24 20.8 10 190.0
Agents 86 58 48.3 36 138.9
% INSS 39.9% 49.7% -9.8 pp 53.9% -14.0 pp
% Others 60.1% 50.3% 9.8 pp 46.1% 14.0 pp
Treasury
4Q07 3Q07 Chg (%) 4Q06 Chg (%) 12M07 12M06 Chg (%)
Revenue (R$ MM) 14.4 2.9 401.6 14.5 (0.8) 45.7 35.9 27.5
Average Consolidated VAR (R$ MM) 2.7 2.6 3.8 2.2 22.7 2.6 2.1 23.8
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11. Funding
3Q07
Financial Private
Institutions 3%
32% Corporate
26%
Private
2%
BNDES Institutional
14% 23%
Abroad Local
4Q07
Private
3% Corporate
23%
Financial
Institutions
41%
Private Institutional
2% 19%
BNDES
12% 11

12. 4Q07 Net Income Breakdown
82.2
Loan 39.4 12.4
Operations
Services -33.4 0.7
Treasury 14.4
Other
Operational -11.2
Working 28.4 Expenses
Capital Income Tax Profit
and Social 50.7
Sharing
Distribution
Net Interest
Income Net
Income
Results (R$ MM) 4Q07 3Q07 Chg(%) 4Q06 Chg(%)
Credit - PLL 39.4 29.0 35.8 22.7 74.0
Services 12.4 9.3 32.9 7.3 69.7
Treasury 14.4 2.9 401.6 14.5 -0.8
Working Capital 28.4 24.0 18.5 10.8 163.0
Operational Results 94.7 65.2 45.1 55.3 71.2
Other IncomeExpenses (33.4) (25.1) 33.3 (29.7) 12.4
Profit Sharing (11.2) (4.5) 152.2 (1.6) 597.7
Taxes 0.7 (12.3) -105.9 (4.0) -118.1
Net Income 50.7 23.3 117.4 19.9 154.8
*Excluding IPO expenses
3Q07: R$ 30.5MM 4Q07 : R$ 0.87MM
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13. 2007 Net Income Breakdown
244,5
Loan 119,5 42,4
Operations
Services
-111.7 -34,3
Treasury 45,7
Other Income Tax
Operational and Social -22,7
Working 79,3 Expenses Distribution
Capital Profit 118,2
Sharing
Net Interest
Income Net
Income
Results (R$ MM) 12M07 12M06 Chg.(%)
Credit - PLL 119.5 89.1 34.2
Services 42.4 25.2 68.4
Treasury 45.7 35.9 27.5
Working Capital 79.3 38.5 106.2
Operational Results 287.0 188.6 52.2
Other IncomeExpenses (111.7) (103.6) 7.9
Profit Sharing (22.7) (5.0) 353.1
Taxes (34.3) (19.0) 80.6
Net Income 118.2 61.0 93.8
*Excluding IPO expenses
3Q07: R$ 30.5MM 4Q07 : R$ 0.87MM
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14. Expenses Breakdown
Expenses (R$ MM) 4Q07 3Q07 Chg(%) 4Q06 Chg(%) 12M07 12M06 Chg(%)
Personnel expenses (14.6) (12.5) 17 (15.5) -6.2 (47.0) (55.6) -15.5
Other administrative expenses (8.5) (7.3) 15.7 (11.7) -27.5 (43.7) (37.6) 16.1
Comissions - Payroll Deductible (1.5) (0.8) 77.1 (0.1) 1,448.8 (3.1) (0.1) 2,759.3
Profit Sharing (11.2) (4.5) 152.2 (1.6) 597.7 (22.7) (5.0) 353.1
Total (35,8) (25,1) 42,6 (29,0) 23,5 (116,4) (98,3) 18,4
Associates 406 378 7.4 314 29.3 406 314 29.3
Front-Office 140 124 12.9 97 44.3 140 97 44.3
Back-Office 266 254 4.7 217 22.6 266 217 22.6
Other RevenuesExpenses
(R$ MM) 4Q07 3Q07 Chg(%) 4Q06 Chg(%) 12M07 12M06 Chg(%)
Other Operational
IncomeExpenses (8.0) (3.1) 160.2 (1.4) 480.0 (13.3) (5.4) 146.3
Tax Expenses (0.9) (1.0) -16.3 (0.7) 18.0 (4.0) (4.2) -5.6
Other Non-Operational
IncomeExpenses (0.1) (0.4) n/a (0.3) -64.5 (0.8) (0.7) 14.1
Total (8.9) (4.5) 99.3 (2.4) 271.0 (18.0) (10.3) 75.4
*Excluding IPO expenses
3Q07: R$ 30.5MM 4Q07 : R$ 0.87MM
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15. Profitability
Net Profit (R$ mm) - Quarter Net Profit (R$ mm) – Year
CAGR = 154.6%
CAGR = 93.8%
50.7 118.2
19.9 23.3 61.0
4Q06 3Q07 4Q07 2006 2007
ROAE (% aa) - Quarter ROAE (% aa) – Year
18.6% 18.6% 14.7% 16.1%
10.1%
4Q06 3Q07 4Q07 2006 2007
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16. Net Interest Margin
NIM - Quarter
7.3% 7.0%
5.9%
4Q06 3Q07 4Q07
NIM – Year
6.6% 6.7%
2006 2007 16

17. Other Indicators
Stockholders’ Equity (R$ mm)
and Basel Index (%)
26.7% 23.1%
13.9%
1,083 1,086
439
4Q06 3Q07 4Q07
Efficiency Ratio (%) Efficiency Ratio* (%)
Quarter Year
49.6% 50.7%
46.7% 48.1%
35.8% 38.2% 39.0%
28.9% 31.0%
25.5%
4Q06 3Q07 4Q07 2006 2007
ÍNDICE DE EFICIÊNCIA (%) - includ Profit Sharing ÍNDICE DE EFICIÊNCIA (%) - includ Profit Sharing
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ÍNDICE DE EFICIÊNCIA (%) - exclud Profit Sharing ÍNDICE DE EFICIÊNCIA (%) - exclud Profit Sharing

18. Ratings
ABC Brasil strength attested by its solid credit rating history
2004 2005 2006 2007
National – Long Term A A AA- AA-
National – Short Term F1 F1 F1+ F1+
International – Long Term - BB- BB BB+
International – Short Term - B B B
Total Assets: US$ 28,640 Mi.
Equity Shareholders: US$ 2,307 Mi.
Controlling ROE: 13.1%
Shareholder Ratings:
(9M07)
BBB+ BBB+ A3
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