Banco do Brasil S.A. (OTCPK:BDORY) Q3 2021 Earnings Conference Call November 9, 2021 9:30 AM ET Company Participants Fausto De Ribeiro - Chief Executive Officer Ricardo Forni - Chief Financial Officer Daniel Maria - Head of Investor Relations Conference Call Participants Jason Mollin - Scotiabank Operator Good morning, ladies and gentlemen. Welcome to Banco do Brasil Third Quarter 2021 Earnings Conference Call. We would like to inform you that this conference call is being recorded. With us today, we have R ...

Banco do Brasil S.A. – Management Discussion and Analysis/3Q21 Earnings Summary Banco do Brasil adjusted net income was R$5.1 billion in the 3Q21, up 2.0% over 2Q21 and 47.6% over 3Q20. The Market ROE in the quarter was 14.3%. In comparison with 2Q21 the result was positively influenced by the positive performance in the Net Interest Income (+9.0%) and Fee Income (3.2%) and by the increase in the Alll Expanded View (36.7%). In the first nine months of 2021, BB recorded Adjusted Net Income of R$15.1 billion, ...

Banco Do Brasil S.A. (OTCPK:BDORY) Q2 2021 Earnings Conference Call August 4, 2021 10:30 PM ET Company Participants Fausto De Ribeiro – Chief Executive Officer Ricardo Forni – Chief Financial Officer Daniel Maria – Head of Investor Relations Conference Call Participants Jason Mollin – Scotiabank Nicolas Riva – Bank of America Carlos Gomez – HSBC Gustavo Schroden – Bradesco BBI Operator Good morning, ladies and gentlemen, and thank you for waiting. Welcome to Banco do Brasil Second Quarter 2021 Earnings Conf ...

#Pública For further info Point your Mobile for MD&A 2Q21 Earnings Release 2Q21 O #Pública | --- | --- | --- | |-------------|----------------------------------------------------------------------------------------------|--------------------------------------------------------| | | | | | 1H21 / 1H20 | ALL Expanded View R$ 5.4 billion reduction of 52.1% | Fee Income: +0.4% Administrative Expenses: -0.2% | | | Loan Portfolio R$ 766.5 billion growth of 6.1% with NPL +90 under control: 1.86% | Strengthened CET1 ...

Banco do Brasil S.A. (OTCPK:BDORY) Q1 2021 Earnings Conference Call May 7, 2021 10:00 AM ET Company Participants Fausto Ribeiro - Chief Executive Officer Ricardo Forni - CFO, Financial VP and IRO Carlos Bonetti - Head of Investor Relations Daniel Maria - Head of Investor Relations. Carlos Bonetti - Vice President for Risk and Credit Risk Conference Call Participants Mario Pierry - Bank of America Jorg Friedemann - Citibank Pedro Leduc - Itaú BBA. Domingos Falavina - JP Morgan Carlos Gomez - HSBC Tito Labart ...

#interna | --- | --- | --- | |--------------------------------------------------------|----------|---------------| | | | | | | | | | For further info Point your mobile for MD&A 1Q21 | | | | | Earnings | Realease 1Q21 | #interna | --- | --- | --- | |---------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------------------------------ ...

Financial Data and Key Metrics Changes - In Q4 2020, Banco do Brasil's net income grew by 6.1% compared to the previous quarter, with an adjusted net income of BRL 13.9 billion, resulting in a return on equity (ROE) of 12% [63] - The pre-tax and pre-provision earnings (PPOP) reached BRL 42.4 billion, growing 5.9% year-over-year [63] - The expanded loan portfolio increased to BRL 742 billion, reflecting a 1.5% growth from Q3 2020 and a 9% increase from the end of 2019 [64] Business Line Data and Key Metrics Changes - The individuals' loan portfolio grew by 6.7% compared to 2019, with payroll deductible loans increasing by 15.2% [65] - The SME segment saw a significant growth of 25.6% year-over-year, largely due to participation in government aid programs [65] - Agribusiness loans increased by 4.3% compared to 2019, primarily driven by rural credit [66] Market Data and Key Metrics Changes - The credit forbearance portfolio amounted to BRL 130.1 billion, serving 2.3 million customers, with 95% of operations rated AA to C [67] - The non-performing loans (NPL) over 90 days stood at 1.9%, lower than the national average of 2.1% [80] - The net interest income (NII) rose by 5.1% to BRL 56.7 billion, benefiting from reduced funding costs [82] Company Strategy and Development Direction - Banco do Brasil is focusing on digital transformation and customer-centric strategies, emphasizing the importance of both digital and personal interactions [6][7] - The bank aims to reduce administrative expenses by BRL 3 billion annually, targeting a 10% reduction in recurring expenses [40][87] - The strategy includes enhancing agribusiness operations with 2,000 specialized professionals and 18 dedicated branches [37] Management's Comments on Operating Environment and Future Outlook - Management acknowledged the challenges of 2020 but highlighted the bank's strong performance and resilience, particularly in loan growth and credit quality [60] - The bank anticipates a robust growth in the loan portfolio, expecting an increase of 8% to 12% in 2021 [95] - Management emphasized the importance of sustainability and social responsibility as key pillars of the bank's strategy moving forward [54][59] Other Important Information - Banco do Brasil's CET1 ratio reached 13.62%, indicating a strong capital base to support future growth [93] - The bank plans to invest heavily in digital platforms, aiming for 17 million paperless customers by 2025 [59] - The bank's ESG commitments include reaching BRL 20 billion in ESG funds by 2025 and achieving 100% renewable energy consumption by 2030 [56][57] Q&A Session Summary Question: Inquiry about adjusted fee income figures - Management did not provide a specific pro forma number for adjusted fee income but acknowledged the challenges in the competitive environment affecting fee income [100][103] Question: Capital allocation and CET1 target - Management confirmed that the CET1 target remains at 11%, with plans to utilize surplus capital primarily for loan performance [112][114] Question: Decision to continue offering renegotiated loans - Management explained that the decision to continue renegotiations was due to regulatory changes and the low risk associated with government-backed loans [116][117]

#interna EARNINGS RELEASE 3Q For further info Point your mobile for MD&A 3Q20 #interna | --- | --- | |--------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | | | | CLAI MER DIS | Although these references and statements reflect the management's belief, they also involve estimates and unforeseen r ...

Banco do Brasil SA (OTCPK:BDORY) Q3 2020 Earnings Conference Call November 6, 2020 8:00 AM ET Company Participants Andre Brandao - President, CEO & Director Daniel Maria - Head, IR and GM of IR & Sustainability Conference Call Participants Mario Pierry - Bank of America Merrill Lynch Juan Recalde - Scotiabank Nicolas Riva - Bank of America Merrill Lynch Marcos Assumpcao - Itaú Natalia Corfield - JPMorgan Chase & Co. Operator Good morning, ladies and gentlemen, and thank you for waiting. Welcome to Banco do ...

#interna EARNINGS RELEASE 2Q #interna #Pública | --- | --- | |--------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | | | | CLAI MER DIS | Although these references and statements reflect the management's belief, they also involve estimates and unforeseen risks. Consequently, results may differ f ...