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Other Services


Banco do Brasil offers a number of differentiated and specialized products and services products to its clients. Below we show some of these. With a focus on perfecting its service to clients, BB has developed technology which provides more convenience. In addition to the physical service outlets, the client also has access to services on the Internet, as well as through ATM machines and other channels, such as mobile devices for cell-phones and tablets.

For details and information about other products and services, readers should access the website link www.bb.com.br or apply for information from our branches.


Consortia


BB Administradora de Consórcios ended 2010 with 208,900 active accounts, up 48.3% over 12 months. Of particular note was the vehicle segment which saw an increase of 80%, having risen to 168,400 quotas in 2010. In November 2010 BB, which already operated in the real estate and durable goods segments, became the first financial institution to offer a complete consortium portfolio, with its entry into the service segment.


Products and Services for the Public Sector


Banco do Brasil is the leader in terms of volume collected through Social Welfare Forms – GPS and the Guarantee Fund for Length of Service – FGTS. In addition to this, it has 25.2% of the market in the collection of taxes for the Brazilian Federal Tax Authorities and 35.4% of the market in the collection of state taxes, totalling R$194.6 billion and R$118.5 billion, respectively. At the municipal level, R$14.2 billion was collected in taxes.

At the beginning of the year, BB and the Office of the Attorney General of the National Treasury – PGFN renewed the partnership which guaranteed the continuity of the Bank's participation in the collection of debts arising from rural credit operations not paid by contributors, and inscribed under the Active Debt of the Union – DAU. This initiative allowed the Bank in 2010 to renegotiate R$683.2 million in debt, with the formalization of over 6,500 agreements.

Credits were processed deriving from payroll agreements, of a total of 177.5 million, among these being company clients and clients from the public sector during the year. In total, BB served to 12 million public servants and employees of private-sector companies, with this service, with a total of R$276.9 billion. Banco do Brasil offers its clients various options and services.


Authorised Direct Debit


The new electronic collection solution, Authorised Direct Debit, accounted for 1.2 million electronic withdrawals, a market share of 24%, with more than 70.5 million payment dockets processed electronically. This new service dispenses with the printing of payment dockets thus reducing the consumption of paper, consequently benefiting the environment. This initiative implied the preservation of 13,000 eucalyptus trees, the saving of 23 million litres of water, and saved the Bank more than R$49 million, with reductions in the expenses of printing, post and interbank tariffs.


Saque Sem


Saque Sem is another innovation by Banco do Brasil for its clients. The client can withdraw up to R$100 without the use of a magnetic card, through joining the service for cell-phones.


Charging and Collection for Agreements


The BB charging service is focused on the receiving of amounts through payment dockets, which can be paid using various means, including cellphones, iPad and tablets.



Banco do Brasil's bank collection, docket payment and automatic debit services are provided to more than 565,700 companies, accounting for a total volume of R$ 709.3 billion in 2010 through 917,987.046 notes issued. These services amounted to a total of R$ 1.9 billion in revenue, up 15.8% compared to 2009.

In July 2010 a new aspect of this service was launched: the printing of payment dockets in a smaller size, half an "A4" sheet of paper. This is a system that is used in approximately 30% of the docket issued. With this procedure, BB contributed to the annual saving of 84,000 kg of paper, 8 million litres of water, and the preservation of 3,000 trees.

Collection of Agreements is carried out through a non-compensatable payment form (with a barcode), in the format defined by the client, provided that it obeys the standards of Febraban. The payment of the form can be made by clients on non-clients of BB at any branch of Banco do Brasil, through the ATM machines, Internet, financial manager or banking agents.


Other Products with Socio-environmental Characteristics


Other products with socio-environmental characteristics that BB offers are linked to the financing of efficient energy, the acquisition of assets which contribute to the preservation of the environment, and the public government policies for education, infrastructure among others.

Product or Service Socio-environmental Responsibility
Characteristic
Quantity of Transactions Contracted Total Portfolio
at in 2010
(R$ thousands)
Characteristics of Products
Environmental  Social
BB Crediário • Purchase of construction materials from registered stores ;
• Purchase of protheses and ortheses under special conditions for disabled people ;
• Purchase of solar heating equipment ;
• Financing of expenses for the payment of monthly school fees and matriculation ;
• Purchase of electrical domestic appliances with special conditions ;
• financing of leisure travel, such as air fares, train or bus fares, or sea voyages, stays in bed and breakfast establishments and hotels, renting of vehicles, tourist packages, among others.
124,728 400,598 x x
BB Leasing Outros Bens Mercantile leasing which can be used for the purchase of goods which contribute to environmental preservation. 12 501 x  
Proesco Financing line for up to 90% of energy-efficient projects which contributes is energy-saving , increase the efficiency of the global energy system or promote the substitution of fossil fuels. 3 1,252 X  


Government

Product or Service Socio-environmental Responsibility
Characteristic
Quantity of Transactions Contracted Total Portfolio
at in 2010
(R$ thousands)
Characteristics of Products
Environmental  Social
BNDES Governos Financing, for states, of public works, equipment and installations. Provoke social impact for the improvement in the quality of life of the population covered by the actions provided by projects and assets financed. 15 1,667,378   x
Caminho da Escola Financing of school buses for the daily transport of pupils to schools in the public elementary education network , in Brazilian municipalities and states 332 134,707   x
Finame PSI Financing, for states, of public works, equipment and installations. Provoke social impact for the improvement in the quality of life of the population covered by the actions provided by projects and assets financed. 9 381,866   x
Provias Financing for the acquisition, by municipal authorities, of machinery and equipment for intervention in public rights of way, highways and roads. Provokes social impact for the improvement in the quality of life of the population covered by the actions provided by projects and assets financed. 354 208,908   x

 



Summary Table of Banco do Brasil's Products with a Socio-environmental Emphasis (R$ million)

      Volume
Savings Bond(3) Ourocap Estilo Prêmio/Ourocap Estilo Flex/Ourocap Multichance/Ourocap 200 anos/Ourocap Estilo Prêmio Cartão de Crédito/Ourocap 200 anos Cartão % of Administration Fee for socio-environmental projects 395.8
Insurance(1) Ouro Vida/Ouro Vida Empresa/Ouro Vida Estilo/BB Seguro Vida Mulher/BB Seguro Vida Agricultura Familiar/Ouro Residencial e Residencial Estilo/Ouro Máquinas e Máquinas Novo – ALS/BB Seguros Auto Estilo
Funds(2) BB Diferenciado DI Social 200 Portfolio/investment in socio-environmentally responsible companies 485.8
BB Ações ISE
FIP Brasil Gov. Corporativa
Brasil Sustentabilidade FIP
Brasil Agronegócios FIP
Brasil de Intermac. FIP
Credit Lines(1) BB Microcrédito DRS/Cred. Imob. Minha casa Minha Vida/Microcrédito/FCO Pronatureza/BNDES (Propflora, Produza, Moderagro, Proesco)/Pronaf (Florestal, Agroecologia, Eco)/CDC Veículos Ecoeficiente/BB Credit limits with socio-environmental characteristics 20,680.6

(1) Amount traded; (2) Shareholder Equity; (3) Portfolio Balance

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