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Annual Report 2015

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Main
Indicators GRI G4-9G4-EC1

Market Shares (%) 2013 2014 2015 15/14 Variation (p.p.)
Assets 21.7 20.8 20.2 -0.6
Deposits 27.1 24.9 23.4 -1.5
Credit 21.1 21.0 20.4 -0.6
Credit to Agribusiness 66.1 63.5 60.9 -2.6
Third-Parties’ Resources Management (1) 20.9 21.7 21.5 -0.2
Balance Sheet Items (R$ million) 2013 2014 2015 15/14 Variation (%)
Assets 1,303,915 1,437,486 1,584,039 10.2
Intangible Assets
11,587 10,835 9,311 -14.1
Commercial Funding (2) 607,215 634,627 672,180 5.9
Equity 72,225 80,613 81,536 1.1
Fiscal Year Result (R$ million) 2013 2014 2015 15/14 Variation (%)
Net Profit 15,758 11,246 14,400 28.0
Return on Equity (RSPL – %) 22.9 14.2 16.1 1.9 p.p.
Personnel Expenses 17,051 18,445 20,333 14.8
Other Administrative Expenses 13,098 15,635 15,414 -1.4
Efficiency and Productivity (%) 2013 2014 2015 15/14 Variation (p.p.)
Cost to Income Ratio (3) 44.3 43.6 40.8 -2.8
Coverage Ratio (4) 136.7 133.6 132.4 -1.2
Structural Data 2013 2014 2015 15/14 Variation (%)
Service Network 67,629 69,135 67,683 -2.1
Customers (thousand) 61,375 61,758 62,472 1.2
Employees 112,216 111,628 109,191 -2.2
Breakdown of the Loan Portfolio – Broad Concept (R$ million) (5) 2013 2014 2015 15/14 Variation (%)
Total 693,104 761,952 814,783 6.9
Individuals
168,207 179,722 193,154 7.5
Companies
322,265 354,104 371,765 5.0
Agribusiness
144,809 164,902 174,948 6.1
Offshore
57,823 63,224 74,916 18.5
Delinquency (NPL + 90 days – %) 2013 2014 2015 15/14 Variation (p.p.)
BB 2.0 2.0 2.4 0.4
Brazilian Banking Industry (SFN) 2.8 2.7 3.4 0.7
Non-Financial Business (R$ million) 2013 2014 2015 15/14 Variation (%)
Cards Turnover 205,935 238,308 256,722 7.7
Credit
121,742 140,017 149,698 6.9
Debit
84,193 98,291 107,023 8.9
Management of Third-Parties’ Resources 493,746 554,724 603,233 8.7
Social Business – Balance in the Portfolio (R$ million) 2013 2014 2015 15/14 Variation (%)
Total 44,859 61,729 76,578 24.1
Fundo de Financiamento ao Estudante do Ensino Superior (Fies – Student Loans)
10,311 13,594 19,480 43.3
BB Crédito Acessibilidade (Accessibility Credit)
73 119 158 32.8
Programa Minha Casa Minha Vida (My House. My Life Program) (6)
3,941 10,662 17,006 59.5
Microcrédito Produtivo Orientado (MPO) [Oriented Productive Micro-Credit]
1,593 1,371 663 -51.6
National Program for Family-based Agricultural Empowerment (Pronaf, acronym in Portuguese)
28,941 35,983 39,271 9.1
Natural Resources 2013 2014 2015 15/14 Variation (%)
Paper Consumption (t) 8,644 8,516 6,601 -29.0
Office Consumable Paper (7) 3,391 3,361 1,061 -216.8
Paper of Material Stored in BB’s Warehouse and Printer (8) 5,253 5,155 5,540 7.0
Energy Consumption (TJ) 2,545 2,651 2,607 -1.7
Water Consumption (thousand m³) 2,371 1,913 1,678 -14.1
Inventory of CO emissions (tCO2e) (9) 2013 2014 2015 15/14 Variation (%)
Scope 1 7,304 6,610 (10) 5,628 -14.9
Scope 2 68,774 98,982 90,358 -8.7
Scope 3 4,862 66,562 66,674 0.2
Value Added Distribution
(R$ million)
2013 2014 2015 15/14 Variation (%)
Total Distributed 49,051 39,465 39,445 -0.1
Personnel
18,180 17,109 20,003 16.9
Taxes. Duties and Contributions
13,129 8,444 1,993 -76.4
Third-Parties’ Capital Remuneration
1,144 1,191 1,307 9.7
Own Capital Remuneration
16,598 12,721 16,142 26.9
Other Relevant Indicators 2013 2014 2015 15/14 Variation
Basel Index 14.5% 16.1% 16.1% 0.0 p.p.
Ranking of Complaints from the Central Bank (Bacen) 2
Contributions to Banco do Brasil Foundation (R$ million) 145.3 83.1 81.5 1.6
(1) It does not consider the funds managed by Banco Votorantim.
(2) It includes total deposits, Agribusiness Letter of Credit (Letras de Crédito do Agronegócio, or LCA), Mortgage Bonds (Letras de Crédito Imobiliário, or LCI) e and repo transactions with private securities.
(3) Ratio between administrative expenses and operating revenues, based on the data from the Statement of Income with Reallocation.
(4) Ratio between income from charges and personnel expenses, based on the data from the Statement of Income with Reallocation.
(5) It includes private Bonds and Securities (Títulos e Valores Mobiliários, or TVM) and guarantees provided.
(6) Acquisition PF (individual entity) + Production PJ (legal entity).
(7) A4 white and recycled paper, legal paper and stationery letterhead paper.
(8) TAA envelops, TAA reels, box, envelopes, several folders and cardboard boxes.
(9) In 2016, preparation of BB’s GHG Emissions Inventory – 2015 base year (data verification process by independent third party) was advanced such as to enable inclusion of all the sources of emission that compose scope 3. The source Business Trip (air and ground travels), reported in BB’s Annual Reports during former years was complemented by Transporte e Distribuição – Upstream (Shared pouches transportation), Solid Waste from the operation (procured paper), Efluents generated in the operation (water consumption), Transporte e distribuição – Downstream (miscellaneous transportation) and Employees’ Commuting (house-work), causing the presented values to be compliant with the data that compose BB’s complete GHG Emissions Inventory. With full presentation of the sources of emission of scope 3, the data reported in 2014 have also been updated.
(10) Number corrected after audit within the GHG Protocol Program.

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