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  • 1

    Teleconferncia - 4 Trimestre de 2011

    Anis Chacur Neto Sergio Lulia Jacob CEO Vice-Presidente Financeiro

    February | 4th | 2013

    Conference Call - 4Q12/2012

  • 2

    Highlights

    2

    Net Income in 2012 totaled BRL 226.6 million and BRL 59.6 million in the fourth quarter of the year.

    The expanded credit portfolio reached BRL 15,318 million by the end of 2012, being BRL 13,184 million in the Corporate segment and BRL 2,134 million in the Middle Market segment.

    Return on Average Equity (ROAE) reached 14.3% p.a. in 2012 and 14.4% p.a. in 4Q12.

  • 3

    Expanded Credit Portfolio

    3

    (BRL million) Dec/12 Sep/12 Chg 3M (%) Dec/11 Chg 12M (%)

    Loans 8,480.9 8,470.4 0.1% 7,673.9 10.5%

    Corporate 6,404.5 6,580.0 -2.7% 5,807.6 10.3%

    Middle 2,076.4 1,890.4 9.8% 1,866.3 11.3%

    Guarantees issued 6,232.4 5,888.1 5.8% 5,180.9 20.3%

    Corporate 6,174.8 5,832.4 5.9% 5,142.2 20.1%

    Middle 57.6 55.7 3.4% 38.7 48.8%

    Loans + guarantees issued 14,713.3 14,358.5 2.5% 12,854.8 14.5%

    Corporate 12,579.3 12,412.4 1.3% 10,949.8 14.9%

    Middle 2,134.0 1,946.1 9.7% 1,905.0 12.0%

    Corporate securities (Corporate) 604.8 525.6 15.1% 314.2 92.5%

    Total Corporate 13,184.1 12,938.0 1.9% 11,264.0 17.0%

    Expanded credit portfolio 15,318.1 14,884.1 2.9% 13,169.0 16.3%

  • 4

    Segments Highlights

    4

    Corporate Middle Market

    Average Ticket

    (BRL Million)

    Average Tenor

    (days)

    Total Number

    of Clients

    Clients with

    Credit Exposure

    Credit Portfolio

    (BRL Million)

    Dec/11 Sep/12 Dec/12 Dec/11 Sep/12 Dec/12

    717 752 703

    518 523 532

    21.1 23.7 23.6

    364 332 355

    1,162 1,168 1,295

    892 917 997

    2.1 2.1 2.1

    211 214 227

    55% 53% 53%

    19%20% 18%

    16%18% 19%10%9% 10%

    Dec/11 Sep/12 Dec/12

    10,950 12,412 12,579

    40% 41% 41%

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

    29% 27% 27%

    9% 11%12%

    Dec/11 Sep/12 Dec/12

    1,905 1,946 2,134

    Minas Gerais / Midwest

    South

    Rio de Janeiro

    So Paulo Countryside

    So Paulo Capital

  • 5 5

    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%1.03% 0.95%

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

    0.57% 0.52% 0.56%

    0.36%

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

    0.47%0.39% 0.42%

    0.17%

    Mar/10 Jun/10 Sep/10 Dec/10 Mar/11 Jun/11 Sep/11 Dec/11 Mar/12 Jun/12 Sep/12 Dec/12

    Middle

    Total

    Corporate

    3.33% 3.64% 3.63% 3.60% 3.59% 3.45% 3.02% 3.00%3.68%

    4.06% 3.99% 4.02%

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

    2.24% 2.15%

    1.52% 1.29% 1.17% 1.13% 1.22% 1.18% 1.30% 1.33% 1.41% 1.48%1.74% 1.54%

    Mar/10 Jun/10 Sep/10 Dec/10 Mar/11 Jun/11 Sep/11 Dec/11 Mar/12 Jun/12 Sep/12 Dec/12

    Middle

    Total

    Corporate

  • 6 6

    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%

    0.55% 0.64%

    0.29%0.10% 0.15% 0.08% 0.10% 0.06%

    0.24% 0.15%0.06% 0.08%

    0.20%0.40%

    0.27%

    0.00% 0.07% 0.03% 0.00% -0.01% 0.08% 0.02% 0.01% 0.04% 0.10%

    0.32%

    Mar/10 Jun/10 Sep/10 Dec/10 Mar/11 Jun/11 Sep/11 Dec/11 Mar/12 Jun/12 Sep/12 Dec/12

    Middle

    Total

    Corporate

    3.1% 3.0%

    2.4%

    2.1%2.0% 1.9% 2.0%

    2.4%

    2.7% 2.5%2.6%

    3.3%

    Mar/10 Jun/10 Sep/10 Dec/10 Mar/11 Jun/11 Sep/11 Dec/11 Mar/12 Jun/12 Sep/12 Dec/12

    D-H

  • 7

    Funding & Ratings

    7

    (BRL Million)

    InvestmentGrade

    InvestmentGrade

    Local Global

    brAA+ BBB-

    Aa1.br Baa3

    AA- BB+

    Diversified funding with access to local and international sources

    Dec/11 Mar/12 Jun/12 Sep/12 Dec/12

    1,647 1,782 2,140 2,226 2,186

    4,045 4,977 5,353 5,575 5,542

    2,181 2,060 2,279 2,165 1,854

    2,085 2,137 2,227 2,347 2,618

    9,960 10,956 12,000 12,313 12,199 Total

    15% 14% 13% 13% 14%

    6% 6% 5% 6%7% Subordinated Debt

    Shareholders' Equity

    22% 19% 19% 18% 15%BNDES

    16% 16% 18% 18% 18% International

    10% 9% 9% 9% 9%

    11% 10% 9% 9% 8%

    10% 13% 11%10%

    10%

    10%10% 10% 9% 9%

    3% 6%8% 10%

    Local Bonds (Letras Financeiras)Individual Investors

    Financial Institutions

    Institutional Investors

    Corporate Investors

    46%

    41%

    45%45% 45%

  • 8

    Basel Index & Shareholders Equity

    8

    11.3% 11.1% 10.2% 10.9% 10.6%

    4.3% 4.1% 4.0% 4.1% 5.3%

    Dec/11 Mar/12 Jun/12 Sep/12 Dec/12

    Tier II

    Tier I (Core Capital)

    15.6% 15.2% 14.2% 15.0%15.9%

    2,072 2,092 2,181 2,257

    2,507

    1,500 1,536 1,566 1,639 1,680

    Reference Equity

    Shareholders' Equity

    (BRL Million)

    Capital Adequacy (BRL million) Dec/12 Sep/12Chg 3M

    (%) / p.p.Dec/11

    Chg 12M

    (%) / p.p.

    Capital 2,507.3 2,257.2 11.1% 2,072.5 21.0%

    Mininum Capital Required 1,735.4 1,654.1 4.9% 1,457.9 19.0%

    Capital Surplus 771.9 603.2 28.0% 614.5 25.6%

    Basel Ratio 15.9% 15.0% 0.9 15.6% 0.3

    Tier I (Core Capital) 10.6% 10.9% -0.3 11.3% -0.7

    Tier II 5.3% 4.1% 1.1 4.3% 0.9

  • 9

    Financial Margin

    9

    NIM (% p.a.)

    (BRL million) 4Q12 3Q12 Chg (%) 4Q11 Chg (%) 2012 2011 Chg (%)

    Net Interest Income before Loan Loss Provision (LLP) 148.1 147.6 0.4% 143.8 3.0% 580.1 559.5 3.7%

    Shareholders Equity remunerated at CDI rate 26.8 28.4 -5.9% 39.0 -31.4% 124.0 156.2 -20.6%

    Financial Margin w ith Clients 98.7 98.0 0.7% 92.1 7.1% 370.2 352.6 5.0%

    Financial Margin w ith Market 22.7 21.1 7.5% 12.7 78.7% 85.9 50.7 69.4%

    Loan Loss Provision (LLP) (25.6) (32.8) -22.1% (13.8) 85.2% (110.8) (52.4) 111.4%

    Managerial Financial Margin 122.5 114.7 6.8% 130.0 -5.7% 469.2 507.0 -7.5%

    5.5% 5.3% 5.0% 4.8% 4.7%5.6%

    4.9%

    4Q11 1Q12 2Q12 3Q12 4Q12 2011 2012

  • 10

    Income from Services

    10

    14.9 16.517.4

    19.6 20.822.6 23.5 23.8 24.2

    26.0 27.4 26.6

    7.18.1 4.9

    6.96.8

    5.4 4.2 3.8 3.34.1

    4.6 6.3

    2.41.6

    0.5

    8.22.0 2.8 2.4

    7.2

    1.9

    2.03.1

    7.9

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

    Capital Markets and

    M&A Fees

    Banking Tariffs

    Guarantees Issued

    (BRL Million)

    Income from Services

    Total of Revenues20.5% 20.1%

    17.6%

    23.8%

    19.7% 20.3%18.3%

    20.6%18.3% 19.0%

    20.7%23.2%

    Banking Service Fees (BRL million) 4Q12 3Q12 Chg (%) 4Q11 Chg (%) 2012 2011 Chg (%)

    Guarantees Issued 26.6 27.4 -3.1% 23.8 11.6% 104.2 90.7 14.9%

    Capital Markets and M&A Fees 7.9 3.1 152.3% 7.2 9.6% 15.0 14.4 3.7%

    Banking Tariffs 6.3 4.6 36.9% 3.8 67.0% 18.3 20.3 -9.7%

    Total 40.8 35.2 16.1% 34.8 17.2% 137.4 125.4 9.6%

  • 11

    Expenses

    11

    Efficiency Ratio (Cost/Income)

    Expenses (BRL million) 4Q12 3Q12 Chg (%) 4Q11 Chg (%) 2012 2011 Chg (%)

    Personnel (36.3) (31.0) 17.0% (32.3) 12.4% (130.6) (114.0) 14.6%

    Other Administrativ e Ex penses (18.5) (17.7) 4.1% (16.0) 15.3% (71.5) (64.9) 10.1%

    Profit Sharing (15.3) (14.0) 8.9% (18.0) -15.3% (52.5) (69.4) -24.4%

    Total (70.0) (62.8) 11.5% (66.3) 5.5% (254.5) (248.3) 2.5%

    37.9%33.9% 36.9% 35.3%

    38.4% 37.7% 36.3%

    4Q11 1Q12 2Q12 3Q12 4Q12 2011 2012

  • 12

    Profitability

    12

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

    16.4%15.0% 14.2% 13.8% 14.4%

    16.6%14.3%

    4Q11 1Q12 2Q12 3Q12 4Q12 2011 2012

    60.6 56.9 55.0 55.1 59.6

    236.0 226.6

    4Q11 1Q12 2Q12 3Q12 4Q12 2011 2012

  • 13

    Guidance 2012

    13

    * Includes guarantees issued and corporate securities.

    Estimated Realized

    Expanded Credit Portfolio* 17% - 21% 16%

    Corporate 17% - 21% 17%

    Middle Market 15% - 20% 12%

    Personnel Expenses & Other Administrative 11% - 13% 13%

  • 14

    Guidance 2013

    14

    * Includes guarantees issued and corporate securities.

    Expanded Credit Portfolio* 14% - 18%

    Corporate 14% - 17%

    Middle Market 17% - 22%

    Personnel Expenses & Other Administrative 8% - 11%

  • 15

    Investor Relations

    15

    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

  • 16

    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