Banco Bradesco Sa · BMFBOVESPA:BBDC3
Banco Bradesco Sa — Bank Bradesco — Investor Presentation (May 2010)
28 slides from Banco Bradesco Sa's investor presentation, May 26, 2010
Slide 1: Bradesco Presentation
Bradesco Presentation BBD OD) Eanashiy indexes INYSE
Slide 2: Brazilian Financial System
Brazilian Financial System [1 [eanco po srasit# [P 724,881 37,646 | 3 | BRADESCO? | _532,626 | 43,087 16.8% ‘SAFRA > ‘CITIBANK > BANRISUL 3[ ‘State-owned Banks Src: Central nk of rasan Comgany et. FF Bradesco vate oso 15
Slide 3: Bradesco's Strategy
Bradesco’s Strategy Operational Efficiency <= EGS All Social Classes NY Banking + Insurance 17
Slide 4: Market Shares
Market Shares | Marlo | Pens — — Loan Portfolio 12.7% 21.6% Demand Deposits 19.8% 35.6% ‘Savings Deposits 14.1% 36.2% Asset Management 16.5% 23.4% Insurance, Private Pension Plans and Savings Bonds Premiums ©) 25.4% # Branches 18.3% Source: Central Bank of Braz, Aina, Susep and ANS. 3) Banking Syste
Slide 5: Branches + PABS
Branches + PABS Mini Branches Banco Postal Bradesco Expresso Branches/Subsidiaries Abroad ATM Outplaced Terminals Distribution Network ATM Network Presence in Brazil 136 million Credit, Debit and * Chent Base * resent in all 5 564 ‘57.1 million, Brazilian municiplaities Linaloouuaed 1st Balan Card b
Slide 6: ‘Minmum ivestment ofS 2mition
‘Minmum ivestment ofS 2mition Annual reverwe Monin income é ‘po R530 mitlon ane Braeseo ENTE Bradesco Waste Reaons 21
Slide 7: EPS, Efficiency and Net Income
EPS (1), Efi iency and Net Income ese ame 80% Bay, HI ome ggg 2a 220 as aes 2a aot 22 239 R$ Million 27 TTT sm Acjusted Net Income FS me | ——ecieney Ratio FS me | over 12 Months 1 Foc EPS comparison purposes, shares wee adjusted in ine wih stock bonuses and splits. GF bradiesco varie eains 30
Slide 8: Net Income Breakdown
Net Income Breakdown Funding __ 7% Securities Securities. 15% 3%
Slide 9: Unrealized Gains
Unrealized Gains R$ Million Variation % Deco9 Mar09 Q-0-Q Y-0-Y Securities — Fixed Income. 3,560 2,193 13.0 83.5 Securities - Equities 15 (1,158) 24.3. (112.3) Loan Operations 501 125 (1.4) 295.2 Investments (") 6,629 68 74 - Others: (682) 65 27.6 - 10,123 1,293 "Note: Excluding the unrecorded goodw
Slide 10: R$ Million
RS Million 7416 7,560 17887 200730 Bradesco “a 1008 20 30 Non Interest 4 1009 20 mInterest 30 40 sa10 37
Slide 11: Core NIM & NII
Core NIM & NII 70% 7.0% 73% 78% t 6 6771 6,891 rhea i sa17 5847 5.632 SSIS 5,944 il iil | | ill 4a 1010 el —e Average intrest Rate = (NI Total Assets -Repos Permanent ASS) annuized = © -Sate 12 months) = 6 = re MAE Rate (year Bradesco Market Relations 38
Slide 12: Gross Margin / Net Margin
De R$ Million ‘Net Margin =PLLC) (©) nding loan ciscounts credit recover, earnings from properties sl, ete Bradesco Nara Relations 30 Gross Margin 41
Slide 13: Fee Income
Fee Income RS Million Variation % Q0Q Yo Cards 20 165 ‘Checking Accounts (0.2) 1.3 Loan Operations 7) 66 Asset Management (0.2) 16.3 Collection (0.8) 89 Tax Payments 45 95 Consortium 24 213 Custody / Brokerage (17) 28.4 Technical Analysis Underwriting (28.6) 2409 Others [pee 42
Slide 14: Operating Expenses
Operating Expenses R$ Million Variation % 1a10 | 4Q09 | 1909 | QoQ Y-0-¥ - Structural 1,735 | 1,725 | 1,588 06 93 - Non Structural 385 356 264 8.4 45.8 Personnel 2,120 | 2,081 1,852 1.9 14.5 Administrative 2,647 | 2,746 2,155 (36) 22.8 # Employees 25,893 [ERED 26,650 FA Braciesco sartt seater 43
Slide 15: Total Assets and Shareholders' Equity
Total Assets and Shareholders’ Equity RS Million Total Assets Shareholders’ Equity 1% 16% fad 203% 2% name 41754 EZ I a F Marto oro 9 ste ARORA pict i mene Basel Ratio - BIS % Accumulated, Adjusted Net Income ove the Peviod: (2 Exeuding assets valuton adjustments recorded in the Shareholders Equity;
Slide 16: Main Funding
Main Funding R$ Billion 219.6 222.2 216.6 © 228.9341 255-8 78 a4 “ ian fae ss 7s oe Maen ee nai "Demand Deposits + Investment Account Saving Deposits Time Deposits + Debentures "Subordinated Debts Fi] Braciesco waster telatons 50
Slide 17: Credit Portfolio
Credit Portfolio R$ Billion 235.2 228.4 213.6 213.0 212.8 215.5 aaqettettl 128.1 137-6 Bi. 1192 35% me Be gone 28% 38% 37% 37% 35% 35% 35% 36% SEEELEEEEEEEE Maroy jun Sep Dec Maro8 Jun Sep Dec Maro9 Jun Sep Dec Marlo "Individuals ~ Large Corporates "SMES (2) Indusing Suretias and Guarantees, antipat
Slide 18: Provisioning Ratios
Provisioning Ratios S200) RSBSDI RS75DI Juno? Sep Dec -Mar08_ Jun Sepa = Mar09.— Jun “Sep Dee Mart =P Minimum Required PLL -2-€4 Past DucsLoan Potobo -12-Month Write Os --12.Monts White OFs (Gress) Efi] Bractesco ster Relations: 62
Slide 19: Delinquency Ratio
Delinquency Ratio 61 to 90 days ‘Jono Jut Aug Sep Oct Nov. Dec Jan Feb MarOo Apr May Jun Jt Aug Sep Oct Nov ec Jan Feb Marto e Corporate —eIndividuals —teTotat 63
Slide 20: Delinquency Ratio
Delinquency Ratio > 90 days jun Sep Dec Maro7 Jun Sep Dec Mart® Jun Sep Dec MarO9 Jun Sep Dec Mart0| —Pindividuals mteLarge Corporate -=-SMEs —e-Total BB erasesco ise tonto: 64
Slide 21: ‘ 366 357 oor
% 1145 as 1659 1636 1655 1601 1655 1524 1486 1513 ‘ 379 94 1366 357 oor 223 2008 3a 40 1008 20 30 ry ra10 lover $0 days (1) Over 60 days 2) (2) Provision for Loan Losses (Outstanding Balance) Loan Operations past due by more than 90 days (@) Provision for Loan tosses (Outstanding Balance Loan Operat
Slide 22: Insurance Market in the World
Insurance Market in the World Premiums > =I vo SS 473 on «0 | eootns Se 5.7 om 92 273 oo 243 - 140 ye 140 om 112 tse 105 on 7 - 47 tos Upto 2008 0 2 4 6 12 14 BF eradesco varie taatons a
Slide 23: Brazilian Insurance Market
Brazilian Insurance Market Revenues - Insurance, Pension Plans and Savings Bonds 24 Banco do Brasil 394 16.0% 3" eat Unibanco 2.387 13.2% 4% Sul América L1.308 7.2% '5® Porto Seguro aast 6.2% 6 Caixa 1.041 5.7% 7 Santand 862 4.8% om nsee a = _ ons ME sos Upto Febi0 ‘Source: SUSEP/ ANS BF eradesco va
Slide 24: Written Premiums
Written Premiums ©)
Slide 25: Combined Ratio and Other Information
Combined Ratio and Other Information R$ Billion Combined Ratio % © Technical Provisions Pension Plans and Heattn? wer _ ifevoat Cory 2 an a3 952 ors os ot sa | i i 2008 3a 4a 1009 23.4180 Maro Marto Maro Mert0 = Poon Technical Provisions ‘savings Bonds ililalial financial Asets and Technical Provisi
Slide 26: Guidance 2010
Guidance 2010 2010 Loan Portfolio 21 to 25%| Individuals “ 16 to 20% Corporates (1) 25 to 29% SMEs 28 to 32% Large Corporate 22 to 26% Products | f{— Ve les 10 to 14% Cards 9 to 13% Mortgages (origination) R$ 6.5 bn Payroll-Deductible Loans 32 to 36% Net Interest Income ® Fee Income Operating Expens
Slide 27: Market Capitalization
Market Capitalization R$ Million 456% 109,463 103,192 100,885 84,801 64,733 | 65,354 2005 2006 2007 2008 1Q10 P/BV Multiple 3.3x 3.4x 3.6x 1.9x 2.5x 2.3x FF Bracesco iain Relations 28
Slide 28: Signatures
SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. Date: May 26, 2010 BANCO BRADESCO S.A. By: / S / Domingos Figueiredo de Abreu Domingos Figueiredo de Ab