2. 3Q08 Hi
Net Income of R$48.4 million in 3Q08, grow
107.7% year over year. In 2008, Interest on Eq
payment to shareholders in 3Q08 of gross IOE o
The Efficiency Ratio was 35.8% in 3Q08, from
efficiency ratios presented by the bank market.
The Credit Portfolio, including guarantees, rea
2Q08 and 61 8% year over year
2
2Q08 and 61.8% year over year.
The Loan Portfolio (Resolution 2,682) grew by 9
Portfolio quality remained high, with 99.4% of
Resolution 2,682), compared with 99.3% in 2Q0
The Return on Equity (ROAE) reached 16.9% in
ighlights
ing by 11.5% from R$43.4 million in 2Q08 and by
uity began to be paid on a quarterly basis, with the
of R$17.6 million.
35.1% in 2Q08 and 37.4% in 3Q07, one of the best
ched R$6,879.1 million, growing 5.9% in relation to
9.8% (3Q08 versus 2Q08).
f loan operations rated from AA to C (Central Bank
08 and 99.3% in 3Q07.
3Q08 versus 10.1% in 3Q07 and 15.5% in 2Q08.
15. Cont
Investor
Sergio Lulia Jacob – Ex
Alexandre Sinza
Eduardo Randi
Web Site: www.a
15
Email: ri@abc
Tel.: +55 (11
tacts
Relations
xecutive VP & IR Officer
ato – IR Manager
ich – IR Analyst
bcbrasil.com.br/ir
cbrasil.com.br
1) 3170 2186
16. Discla
The following material, on this date, is a presentati
ABC Brasil S.A. We offer no guarantee and make no d
completeness or scope of this information.
This presentation may include forward‐looking state
regulations of the Brazilian and International securiti
based on certain assumptions and analyses by the
environment, future market conditions and expected
the control of the Company. Important factors that m
results and the statements of expectations about fut
strategy Brazilian and International economic condit
16
strategy, Brazilian and International economic condit
conditions, uncertainty regarding the results of its fu
intentions, among others. Considering these fac
significantly different from those shown or implicit in
or results.
The information and opinions contained in this
recommendation to potential investors and no invest
events or completeness of this information or thes
related to them or their representatives should have
the use or contents of this presentation.
aimer
on containing general information about the Banco
declaration, implicitly or explicitly, as to the accuracy,
ements of future events or results according to the
es and exchange commissions. These statements are
Company that reflect its experience, the economic
d events by the company, many of which are beyond
may lead to significant differences between the actual
ure events or results include the company’s business
tions technology financial strategy financial markettions, technology, financial strategy, financial market
uture operations, plans, objectives, expectations and
ctors, the actual results of the company may be
n the statement of expectations about future events
s presentation should not be understood as a
tment decision is to be based on the veracity, current
se opinions. No advisors to the company or parties
any responsibility for any losses that may result from