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Teleconferência - 4º Trimestre de 2011

Anis Chacur Neto Sergio Lulia Jacob CEO Vice-Presidente Financeiro

May | 3rd | 2012

Conference Call – 1st Quarter 2012

Anis Chacur Neto Alexandre Sinzato CEO Head de Relações com Investidores

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Highlights

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Net Income in 1Q12 totaled BRL 56.9 million. Annualized Return on Equity (ROAE) in 1Q12 reached 15.0% p.a. in 1Q12. The expanded credit portfolio reached BRL 13,714.8 million by the end of 1Q12, an increase of 13.1% YoY. Standard & Poor´s attributed investment grade to ABC Brasil, assigning its ‘BBB-’ global scale and ‘brAA+’ national scale ratings.

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(BRL million) 1Q12 4Q11Chg (%)

1Q12/4Q111Q11

Chg (%)

1Q12/1Q11

Loans 7,783.5 7,673.9 1.4% 7,479.1 4.1%

Corporate 5,923.8 5,807.6 2.0% 5,905.2 0.3%

Middle 1,859.7 1,866.3 -0.4% 1,573.9 18.2%

Guarantees issued 5,573.7 5,180.9 7.6% 4,446.5 25.3%

Corporate 5,538.5 5,142.2 7.7% 4,409.1 25.6%

Middle 35.2 38.7 -9.2% 37.4 -6.0%

Loans + Guarantees Issued 13,357.2 12,854.8 3.9% 11,925.6 12.0%

Corporate 11,462.3 10,949.8 4.7% 10,314.3 11.1%

Middle 1,894.9 1,905.0 -0.5% 1,611.3 17.6%

Corporate Securities 357.6 314.2 13.8% 204.8 74.6%

Expanded Credit Portfoliio 13,714.8 13,169.0 4.1% 12,130.4 13.1%

Expanded Credit Portfolio

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Business Segments

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Loan Portfolio

Corporate Companies with annual revenues

over BRL 250 million

Loan Portfolio

Middle Market Companies with annual revenues

from BRL 30 to 250 million

Loans & Guarantees Issued

17.6%

-0.5%

0.3%

2.0%

18.2%

-0.4%

(BRL Million)

11.1%

4.7%

1,611.3 1,712.6 1,799.7 1,905.0 1,894.9

1Q11 2Q11 3Q11 4Q11 1Q12

10,314.3 10,522.1 10,729.3 10,949.8 11,462.3

1Q11 2Q11 3Q11 4Q11 1Q12

5,905.2 5,788.7 5,997.3 5,807.6 5,923.8

1Q11 2Q11 3Q11 4Q11 1Q12

1,573.9

1,680.0 1,756.6

1,866.3 1,859.7

1Q11 2Q11 3Q11 4Q11 1Q12

Loans & Guarantees Issued

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Segments Highlights

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Corporate Middle Market

Average Ticket

(BRL Million)

Average Tenor

(days)

Total Number

of Clients

Clients with

Credit Exposure

Credit Portfolio

(BRL Million)

BRL million

Minas Gerais / Goiás

Sul

Rio de Janeiro

São Paulo Interior

São Paulo Capital

Mar/11 Dec/11 Mar/12 Mar/11 Dec/11 Mar/12

717 717 708

509 518 533

20.3 21.1 21.5

930 1,162 1,156

750 892 965

2.1 2.1 2.0

234 211 207

54% 55% 54%

20% 19% 21%16% 16% 15%10% 10% 10%

Mar/11 Dec/11 Mar/12

10,314 10,950 11,642

45% 42% 40%

11% 12% 12%10% 9% 10%31%

28% 30%5%9% 9%

Mar/11 Dec/11 Mar/12

1,611 1,905 1,895

385 364 343

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Credit Portfolio Quality

Past Due above 90 days (% of loan portfolio)

Loan Loss Reserve (% of loan portfolio)

0.65% 0.60%0.71%

0.39%

0.57%

0.40%0.51% 0.50%

0.87%

0.31%0.21% 0.21%

0.11%0.17% 0.15% 0.19% 0.21%

0.57%

0.23%0.12% 0.09% 0.05% 0.06% 0.08% 0.09% 0.11%

0.47%

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12

Middle

Total

Corporate

3.33%3.64% 3.63% 3.60% 3.59% 3.45%

3.02% 3.00%

3.68%

1.86% 1.74% 1.64% 1.62% 1.72% 1.69% 1.69% 1.73%1.95%

1.52%1.29% 1.17% 1.13% 1.22% 1.18% 1.30% 1.33% 1.41%

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12

Middle

Total

Corporate

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Credit Portfolio Quality

Transactions between D-H rating (Resolution 2682 of Brazilian Central Bank)

Write Off in the quarter (% of loan portfolio)

3.1% 3.0%2.4%

2.1% 2.0% 1.9% 2.0%2.4%

2.7%

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12

D-H

0.37%0.50% 0.46%

0.27%

0.47%0.32%

0.77%

0.57%

0.22%0.29%0.10% 0.15%

0.08%0.10% 0.06%

0.24% 0.15%

0.06%0.27%

0.00%0.07% 0.03% 0.00% -0.01%

0.08% 0.02% 0.01%

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12

Middle

Total

Corporate

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Funding & Ratings

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(BRL Million)

InvestmentGrade

InvestmentGrade

Local Global

brAA+ BBB-

Aa1.br Baa3

AA- BB+

1Q11 2Q11 3Q11 4Q11 1Q12

1,799.0 1,940.2 2,156.3 1,647.3 1,781.9

3,272.1 3,531.5 3,798.3 4,045.5 4,976.9

2,387.7 2,240.9 2,317.3 2,181.5 2,060.1

1,865.9 1,878.9 2,065.7 2,085.3 2,137.2

9,324.6 9,591.5 10,337.6 9,959.6 10,956.1 Total

15% 15% 14% 15% 14%

5% 5% 6% 6% 6% Subordinated Debt

26% 23% 22% 22% 19%BNDES

19% 20% 21% 16% 16% International

11% 10% 12% 10% 9%

9% 10%10% 11% 10%

7% 7%7% 10% 13%8% 10%8% 10%

10%

3% Local Bonds (Letras Financeiras)

Individual Investors

Financial Institutions

Institutional Investors

Corporate Investors

35% 37% 37% 41% 45%

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Basel Index & Shareholders´ Equity

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11.6% 11.6% 11.4% 11.3% 11.1%

4.1% 3.8% 4.4% 4.3% 4.1%

1Q11 2Q11 3Q11 4Q11 1Q12

Tier II

Tier I (Core Capital)

Shareholders' Equity(BRL Milion)

15.7% 15.4% 15.8% 15.6% 15.2%

1,384.3 1,424.2

1,460.2 1,499.6 1,535.6

Capital Adequacy (BRL million) 1Q12 4Q11Chg(%)/pp

1Q12/4Q111Q11

Chg(%)/pp

1Q12/1Q11

Capital 2,092.0 2,072.5 0.9% 1,866.1 12.1%

Mininum Capital Required 1,518.3 1,457.9 4.1% 1,305.8 16.3%

Capital Surplus 573.7 614.5 -6.6% 560.3 2.4%

Basel Index 15.2% 15.6% -0.5 15.7% -0.6

Tier I (Core Capital) 11.1% 11.3% -0.2 11.6% -0.5

Tier II 4.1% 4.3% -0.3 4.1% -0.1

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Financial Margin

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NIM (% p.a.)

5.6% 5.5% 5.7% 5.5% 5.3%

1Q11 2Q11 3Q11 4Q11 1Q12

(BRL million) 1Q12 4Q11 Chg (%) 1Q11 Chg (%)

Net Interest Income before Loan Loss Provision (LLP) 140.9 143.8 -2.0% 135.4 4.1%

Financial Margin w ith Clients 121.6 131.1 -7.2% 121.8 -0.2%

Financial Margin w ith Market 19.3 12.7 51.4% 13.5 42.5%

Loan Loss Provision (LLP) (23.7) (13.8) 71.7% (12.3) 92.6%

Managerial Financial Margin 117.2 130.0 -9.9% 123.0 -4.8%

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Income from Services

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14.9 16.5 17.4 19.6 20.8 22.6 23.5 23.8 24.2

7.18.1 4.9

6.96.8 5.4 4.2 3.8 3.3

2.41.6 0.5

8.2

2.0 2.8 2.47.2

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1T10 2T10 3T10 4T10 1T11 2T11 3T11 4T11 1T12

Capital Markets and

M&A Fees

Banking Tariffs

Guarantees Issued

(BRL Million)

19.3% 20.3%17.6%

23.8%

19.7% 20.3%18.3%

20.6%18.3%

Income from ServicesTotal of Revenues

Banking Service Fees (BRL million) 1Q12 4Q11 Chg (%) 1Q11 Chg (%)

Guarantees Issued 24.2 23.8 1.4% 20.8 16.0%

Capital Markets and M&A Fees 1.9 7.2 -73.8% 2.0 -5.9%

Banking Tariffs 3.3 3.8 -13.0% 6.8 -51.7%

Total 29.3 34.8 -15.8% 29.6 -1.0%

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Expenses

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Efficiency Ratio

37.7% 38.8% 36.4% 37.9%33.9%

1Q11 2Q11 3Q11 4Q11 1Q12

Expenses (BRL million) 1Q12 4Q11 Chg (%) 1Q11 Chg (%)

Personnel (31.1) (32.3) -3.7% (26.2) 18.9%

Other administrativ e ex penses (15.7) (16.0) -2.1% (15.4) 2.1%

Profit Sharing (10.0) (18.0) -44.4% (17.6) -43.1%

Total (56.8) (66.3) -14.4% (59.1) -4.0%

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Profitability

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Net Income (BRL Million) ROAE (% p.a.)

56.760.2 58.5 60.6

56.9

1Q11 2Q11 3Q11 4Q11 1Q12

16.6% 17.2% 16.2% 16.4%15.0%

1Q11 2Q11 3Q11 4Q11 1Q12

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Investor Relations

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Sergio Lulia Jacob Financial Vice-President

Alexandre Sinzato, CFA Head of Investor Relations

Web Site: www.abcbrasil.com.br/ir Email: ri@abcbrasil.com.br Phone: +55 (11) 3170-2186

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Disclosure

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 factors, 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.