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Teleconferência - 4º Trimestre de 2011

Anis Chacur Neto Sergio Lulia Jacob CEO Vice-Presidente Financeiro

August | 1st | 2012

Conference Call – 2nd Quarter 2012

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2Q12 Highlights

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The expanded credit portfolio reached BRL 14,938.1 million by the end of the quarter, an increase of 18.9% in the period. Net Income in the quarter totaled BRL 55.0 million. Annualized Return on Equity (ROAE) in 1Q12 reached 14.2% pa in the period. Loan transactions rated between AA and C reached 97.5% of the loan portfolio by the end of the quarter.

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Expanded Credit Portfolio

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(BRL million) Jun/12 Mar/12 Chg 3M (%) Jun/11 Chg 12M (%)

Loans 8,519.8 7,783.5 9.5% 7,468.7 14.1%

Corporate 6,680.2 5,923.8 12.8% 5,788.7 15.4%

Middle 1,839.6 1,859.7 -1.1% 1,680.0 9.5%

Guarantees issued 5,882.3 5,573.7 5.5% 4,766.1 23.4%

Corporate 5,843.8 5,538.5 5.5% 4,733.4 23.5%

Middle 38.6 35.2 9.7% 32.6 18.1%

Loans + Guarantees Issued 14,402.1 13,357.2 7.8% 12,234.8 17.7%

Corporate 12,524.0 11,462.3 9.3% 10,522.2 19.0%

Middle 1,878.2 1,894.9 -0.9% 1,712.6 9.7%

Corporate Securities 536.0 357.6 49.9% 233.7 129.3%

Expanded Credit Portfoliio 14,938.1 13,714.8 8.9% 12,468.5 19.8%

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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)

Minas Gerais / Goiás

Sul

Rio de Janeiro

São Paulo Interior

São Paulo Capital

Jun/11 Mar/12 Jun/12 Jun/11 Mar/12 Jun/12

1,040 1,156 1,154 728 708 734

524 533 535

20.1 21.5 23.4

367 343 329

840 965 949

2.0 2.0 2.0

234 207 212

54% 54% 53%

20% 20% 22%17%16%

16%9%10%

9%

Jun/11 Mar/12 Jun/12

10,522 11,462 12,524

43% 40% 41%

12% 13% 13%10% 10% 9%28%

28% 27%7%

9% 10%

Jun/11 Mar/12 Jun/12

1,713 1,895 1,878

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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%1.02%

0.31% 0.21% 0.21% 0.11% 0.17% 0.15% 0.19% 0.21%

0.57% 0.52%

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

0.47%0.39%

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

Middle

Total

Corporate

3.33% 3.64% 3.63% 3.60% 3.59% 3.45%3.02% 3.00%

3.68%4.06%

1.86% 1.74% 1.64% 1.62% 1.72% 1.69% 1.69% 1.73% 1.95% 2.04%

1.52% 1.29% 1.17% 1.13% 1.22% 1.18% 1.30% 1.33% 1.41% 1.48%

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

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)

0.37%0.50% 0.46%

0.27%

0.47%0.32%

0.77%0.57%

0.22% 0.21%0.29%0.10% 0.15% 0.08% 0.10% 0.06%

0.24% 0.15%0.06% 0.08%0.27%

0.00% 0.07% 0.03% 0.00% -0.01% 0.08% 0.02% 0.01% 0.04%

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

Middle

Total

Corporate

3.1% 3.0%

2.4%

2.1%2.0% 1.9% 2.0%

2.4%

2.7% 2.5%

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

D-H

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Funding & Ratings

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(BRL Million)

InvestmentGrade

InvestmentGrade

Local Global

brAA+ BBB-

Aa1.br Baa3

AA- BB+

Diversified funding with access to local and international sources 2Q11 3Q11 4Q11 1Q12 2Q12

1,940.2 2,156.3 1,647.3 1,781.9 2,140.0

3,531.5 3,798.3 4,045.5 4,976.9 5,353.4

2,240.9 2,317.3 2,181.5 2,060.1 2,279.1

1,878.9 2,065.7 2,085.3 2,137.2 2,227.0

9,591.5 10,337.6 9,959.6 10,956.1 11,999.6 Total

15% 14% 15% 14% 13%

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

Shareholders´ Equity

23% 22% 22% 19% 19%BNDES

20% 21%16% 16% 18% International

10% 12% 10% 9% 9%

10%10% 11% 10% 9%

7%7% 10% 13% 11%10%8% 10%

10% 10%

3% 6% Local Bonds (Letras Financeiras)Individual Investors

Financial Institutions

Institutional InvestorsCorporate Investors

37% 37% 41% 45% 45%

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Basel Index & Shareholders´ Equity

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Capital Adequacy (BRL million) Jun/12 Mar/12Chg 3M

(%) / p.p.Jun/11

Chg 12M

(%) / p.p.

Capital 2,180.8 2,092.0 4.2% 1,886.4 15.6%

Mininum Capital Required 1,687.7 1,518.3 11.2% 1,346.9 25.3%

Capital Surplus 493.0 573.7 -14.1% 539.5 -8.6%

Basel Index 14.2% 15.2% -0.9 15.4% -1.2

Tier I (Core Capital) 10.2% 11.1% -0.9 11.6% -1.4

Tier II 4.0% 4.1% 0.0 3.8% 0.2

11.6% 11.4% 11.3% 11.1% 10.2%

3.8% 4.4% 4.3% 4.1% 4.0%

2Q11 3Q11 4Q11 1Q12 2Q12

Tier II

Tier I (Core Capital)

Shareholders´ Equity(BRL Million)

15.4% 15.8% 15.6% 15.2%14.2%

1,424.2 1,460.2

1,499.6 1,535.6

1,565.8

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Financial Margin

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NIM (% p.a.)

(BRL million) 2Q12 1Q12 Chg (%) 2Q11 Chg (%) 6M12 6M11 Chg (%)

Net Interest Income before Loan Loss Provision (LLP) 144.4 140.9 2.5% 133.5 8.1% 285.3 268.9 6.1%

Shareholders´ Equity remunerated at CDI rate 32.0 36.8 -12.9% 38.8 -17.4% 68.8 74.4 -7.4%

Financial Margin w ith Clients 89.6 84.9 5.6% 79.9 12.2% 174.5 166.1 5.0%

Financial Margin w ith Market 22.7 19.3 18.1% 14.9 53.2% 42.0 28.4 48.1%

Loan Loss Provision (LLP) (28.7) (23.7) 20.8% (1.7) 1582.4% (52.4) (14.0) 273.4%

Managerial Financial Margin 115.7 117.2 -1.2% 131.8 -12.2% 232.9 254.8 -8.6%

5.5% 5.7% 5.5% 5.3% 5.0%5.5%

5.1%

2Q11 3Q11 4Q11 1Q12 2Q12 6M11 6M12

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Income from Services

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Banking Service Fees (BRL million) 2Q12 1Q12 Chg (%) 2Q11 Chg (%) 6M12 6M11 Chg (%)

Guarantees Issued 26.0 24.2 7.7% 22.6 15.2% 50.2 43.4 15.6%

Capital Markets and M&A Fees 2.0 1.9 5.1% 2.8 -29.4% 3.9 4.8 -19.6%

Banking Tariffs 4.1 3.3 24.7% 5.4 -24.8% 7.4 12.3 -39.7%

Total 32.1 29.3 9.5% 30.9 4.1% 61.4 60.5 1.6%

14.9 16.5 17.419.6 20.8 22.6 23.5 23.8 24.2

26.0

7.18.1 4.9

6.96.8

5.4 4.2 3.8 3.3

4.1

2.4

1.60.5

8.22.0 2.8 2.4

7.2

1.9

2.0

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

Capital Markets and

M&A Fees

Banking Tariffs

Guarantees Issued

(BRL Million)

Income from Services

Total of Revenues

20.5% 20.1%17.6%

23.8%

19.7% 20.3%18.3%

20.6%18.3% 19.0%

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Expenses

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Efficiency Ratio (Cost/Income)

Expenses (BRL million) 2Q12 1Q12 Chg (%) 2Q11 Chg (%) 6M12 6M11 Chg (%)

Personnel (32.2) (31.1) 3.6% (27.4) 17.8% (63.3) (53.5) 18.3%

Other administrativ e ex penses (19.6) (15.7) 25.2% (16.9) 15.9% (35.3) (32.3) 9.3%

Profit Sharing (13.1) (10.0) 30.8% (16.8) -21.7% (23.1) (34.4) -32.7%

Total (65.0) (56.8) 14.4% (61.1) 6.4% (121.8) (120.2) 1.3%

38.8% 36.4% 37.9%33.9% 36.9% 38.2% 35.5%

2Q11 3Q11 4Q11 1Q12 2Q12 6M11 6M12

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Profitability

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

60.2 58.5 60.6 56.9 55.0

116.9 111.9

2Q11 3Q11 4Q11 1Q12 2Q12 6M11 6M12

17.2% 16.2% 16.4%15.0% 14.2%

16.9%14.6%

2Q11 3Q11 4Q11 1Q12 2Q12 6M11 6M12

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Guidance 2012

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* Includes loans, guarantees issued and corporate securities portfolios.

(1) Changed from 18%-22% to 17%-21%; (2) changed from 25%-30% to 15%-20%.

Expanded Credit Portfolio* (1) 17% - 21%

Corporate 17% - 21%

Middle Market (2) 15% - 20%

Personnel Expenses & Other Administrative 11% - 13%

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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.