1. 1
4Q07 Results Presentation
January, 31
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

2. 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.

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.
3

4. Ownership Structure
Note: market capitalization calculated based on the share price of R$11.85 as of 12/28/2007.
Free Float
33,2%
Associates
1,4%
Local
Management
9,4%
ABC BSC
56%
R$ 1.61 Billion
Market Cap
4

5. Credit Portfolio
88.9% 88.4% 87.2%
86.7%
86.3%
10.6%
10.7%
11.6%
11.7%
11.8%
0.5%
0.9%
1.2%
1.6%
1.9%
4Q06 1Q07 2Q07 3Q07 4Q07
Wholesale+L.Middle Middle Consumer
2,911
3,194
3,557
4,251
4,992
CAGR = 71.5%
(R$ mm) Including guarantees
5
Portfolio By Ticket
(R$)
12/31/07 (%) 12/31/06 (%)
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

6. AA-C
99.45 %
D-H
0.55 %
High-Quality Credit Portfolio
Credit Porfolio
Rating (*)
4Q07
%
Portfolio
AA 707.0 18.2%
A 1,745.6 44.9%
B 1,169.6 30.1%
C 243.8 6.3%
D 7.9 0.2%
E 1.3 0.0%
F 1.0 0.0%
G 1.5 0.0%
H 9.5 0.2%
Total 3,887.2 100.0%
AA-C 3,866.0
D-H 21.2
6
Segment
4Q07
Loan Porfolio
Write-off
2007
%
Portfolio
4Q07 PLL
%
Portfolio
Past Due
%
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%
(In R$ Million)
(In R$ Million)
*does not include guarantees issued

7. Business Segments

8. Middle Market
309
498
587
4Q06 3Q07 4Q07
CAGR = 89.9%
SP
87.07%
SP
Interior
8.79%
BH
4.14%
8
Middle (R$ mm) - Including guarantees
12/31/2006 12/31/2007
Duration 110 days 181 days
Average Ticket R$ 1.3 MM R$ 1.9 MM
Clients 233 311

9. Wholesale and Large Middle
2,587
3,684
4,309
4Q06 3Q07 4Q07
CAGR = 66.5%
SP
38.16%
SP
Interior /
CO
39.42%
Sul
11.04%
RJ / NE
11.38%
9
Wholesale+L.Middle (R$ mm) - Including guarantees
12/31/2006 12/31/2007
Duration
(excl. BNDES)
349 days 352 days
AverageTicket R$ 6,8 MM R$ 9.2 MM
Clients 379 466

10. Other Activities
Capital Market
4Q07 3Q07 Chg (%) 4Q06 Chg (%) 12M07 12M06 Chg (%)
Underwriting Fees and Structured Oper.
(R$ MM)
4.6 3.5 32.3 2.9 59.3 17.8 9.5 88.6
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. Private
2%
Financial
Institutions
32%
Private
3% Corporate
23%
Institutional
19%BNDES
12%
Private
2%
Financial
Institutions
41%
Funding
Local
11
Abroad
Private
3%
Corporate
26%
Institutional
23%
BNDES
14%
3Q07
4Q07

12. 4Q07 Net Income Breakdown
50.7
39.4
-33.4
-11.2
0.7
Net Interest
Income
Other
Operational
Expenses Income Tax
and Social
Distribution
Profit
Sharing
Net
Income
14.4
28.4
Loan
Operations
Treasury
Working
Capital
82.2
12.4
Services
12
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

13. 2007 Net Income Breakdown
118,2
119,5
-111.7
-22,7
-34,3
45,7
79,3
244,5
42,4
Net Interest
Income
Other
Operational
Expenses
Income Tax
and Social
Distribution
Profit
Sharing
Net
Income
Loan
Operations
Treasury
Working
Capital
Services
13
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

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
14
*Excluding IPO expenses
3Q07: R$ 30.5MM 4Q07 : R$ 0.87MM

15. 18.6%
10.1%
18.6%
4Q06 3Q07 4Q07
14.7% 16.1%
2006 2007
Profitability
15
19.9 23.3
50.7
4Q06 3Q07 4Q07
CAGR = 154.6%
61.0
118.2
2006 2007
CAGR = 93.8%
Net Profit (R$ mm) - Quarter
ROAE (% aa) - Quarter ROAE (% aa) – Year
Net Profit (R$ mm) – Year

16. Net Interest Margin
16
7.3%
5.9%
7.0%
4Q06 3Q07 4Q07
6.6% 6.7%
2006 2007
NIM - Quarter
NIM – Year

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

18. Ratings
Controlling
Shareholder
(9M07)
Total Assets: US$ 28,640 Mi.
Equity Shareholders: US$ 2,307 Mi.
ROE: 13.1%
Ratings:
BBB+ A3BBB+
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
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