Banco Bradesco Sa · BMFBOVESPA:BBDC3
Banco Bradesco Sa — Bank Bradesco — Encontro Bradesco APIMEC 2010
54 slides from Banco Bradesco Sa's conference presentation, Jun 10, 2010
Slide 1: Encontro Bradesco APIMEC 2010
| Senne yp 2010 Encontro Bradesco APIMEC 2010 ph
Slide 2: Opening Statement
B Opening Statement Ricardo Tadeu Martins - Vice President APIMEC SP (2) Economy Domingos Figueiredo de Abreu — Vice President and IR Director of Bradesco & Performance Strategy (4 Main Figures ie Share Performance (©) sustainability rvdens rer setts
Slide 3: Opening Statement
Opening Statement Ricardo Tadeu Martins - Vice President APIMEC SP [TE 00m ose atv veeestetand Iona aes (3) Performance Strategy @ Main Figures &) Share Performance (6 } Sustainability [Bbrrtece vic peti ED.
Slide 4: Macroeconomic Outlook
Macroeconomic Outlook ear MARKET | BRADESCO | CONSENSUS ** { 2009 | [2020" | { 2011") { 2010 } { 2012 | GDP | -0.2% 7.0% 4.5% 6.46% 4.45% Interest Rate | 750% | | 11.75% | 13.00%| | 11.99%| | 11.67% (year-end Selic) Inflation (Pr) | 4.31% | | 6.00% | | 4.70% | | 5.66% | | 4.91% Fx Rate 174 1.80 1.90
Slide 5: GDP
GDP 70 02 Average of 8 years: 4.4% Average of, previous 20 years: 27% hoz
Slide 6: CPI (IPCA)
CPI (IPCA) — Tf =! 00 003 200 2008 2006 2007 2008 2009 2010 2011 } Ke K ge Ee ‘sof 05/24/2010 Prepared by / (+) Projections: Bradesto- DEPEC = Bib rrtenee revit pettions
Slide 7: eal
eal ‘Source: Central Bank of Brant ‘Prepared by (*) Projections: Bradesco - DEPEC ‘sof: 05/24/2010 ) MW hd
Slide 8: Unemployment Rate
Unemployment Rate @ fe) 1347 Linear Trend — Unseasoned Unemployment Rate 701 ES RESES EE SERESERESELESESESSEEESE SSZESS 225528322558 2552285225523 | SE Monthy average Source: IBGE (PME) Prepared by: Bradesco-DEPEC Bb rvtene pret ptons $3001) 8
Slide 9: 2007 2010"
2007 2010"
Slide 10: Poverty Ratio
Gs | : | | Poverty Ratio @) Me gee P2988 588 2 eee 2222 EE Source) CPTIOREFT {Pr ora mony nae tan 17 (nd on en of Gane oP or 3 ced on ratonl verge pies weighted by Se popoton af at era Sa esiats oc 1984 and 200, > are av at ban dns inthe ‘Vos (SepsFOVs pojecton om PMENDGEs mae 10 redone nixiet petat
Slide 11: Social Mobility Opens Immense Perspectives to Brazil
Social Mobility Opens Immense Perspectives to Brazil Parise Highincome class income class (B); "400% ayaa Social breal Janus Low income class (6): 35.40% class (C); 38.79% breakdown in 10 a Fests eon paisa Fooor}
Slide 12: Loan/Brazil's GDP Ratio
} Ne 4 [z) a 1s 0 05/24/2010 ‘Source: Central Bank of Bri Prepared by /(*) Projections: Bradesco -DEPEC Loan/Brazil 's GDP Ratio | 2003 2004 2005 35.2 2006 ©2007-2008 45.0 2009 49.4 2010" 52.4 2011 Pd medono peaiet nesters
Slide 13: Loan/World's GDP Ratio
Loan/World's GDP Ratio Latin America 622 33.2 Argentina Ecuador Turkey Emerging countries ‘Asia 1104 Emerging countries 45.0 ssaversgere reeeeeeeeeees: eeeggbeztagse est grag 3 & 5 2 5 8 8 8 Italy Japan Be Baal Oe "Bee/arstnaand = Seo/07: Chine ~u/O7; Others Counties ‘Source: Cental Bank of Bra, Eco
Slide 14: Global Banking Leverage Credit / Tier I – Developed Countries x Brazil
Global Banking Leverage Credit / Tier I — Developed Countries x Brazil 2 35.9 22.7 20.2 18.0 159 i } my i: = || s ' oF: gf G & H — 8 &€ 2 8 3 8 2 § £ ¢$ g¢ * @ & H r Oo < 2 8 £ Z| z & paces 14 Brats ie ine EE
Slide 15: Insurance Market in the World
Insurance Market in the World Premiums of US$ Bi =o a GDP in US$ Trillion = Ton = . z 50 | enand 7 a 2 rome BM 22 - [top 10 f 243 cermony J os a 141 on > Ei a ‘40 a © eel a 113 Netheronds EM 12.9 156 sams Bk] 70 A ul S97 southores MQ us fi 168 eS , Position ae an j upto 2008 g Filovees iis iin =, a
Slide 16: Opening Statement
Opening Statement Ricardo Tadeu Martins - Vice President APIMEC SP (2) Economy Domingos Figueiredo de Abreu — Vice President and IR Director of Bradesco B Performance Strategy @ Main Figures @ Share Performance (6 } Sustainability 16
Slide 17: Bradesco's Strategy
Bradesco’s Strategy Operational Efficiency Presence All Social Classes Banking + Insurance v7
Slide 18: Presence in Brazil
ez Presence in Brazil 1Q10 Branches + PABS 4,655 Mini Branches 3,015 Banco Postal 6,110 Bradesco Expresso 21,501 Branches/Subsidiaries Abroad 1 ATM Outplaced Terminals 3,664 Distribution Network 38,956 ATM Network 38,72 * 136 millon credt, debit and . oe base Present in 5,564 private-label cards 4 m
Slide 19: Bradesco Insurance Group
a =a Bradesco Insurance Group Leadership in Latin America S17 bon Meroinsurance and Low income insurance ‘smiion RS Million ‘am Sa noe semtion
Slide 20: Segmentation
TR ee cere al i Annual revenue over ‘RS 360 miion Mismam investment of RS 2 miion = Monin income starting at 'RS6,000 or investment staring at $70,000 Annual revenue from R530 mon 10 RS 350 milion Monthy ncome tom RS 2.000 to RS 5,999.99, ‘orinvestment staring at Rs 25.00 ‘Special clont Annual reven
Slide 21: A Bank with "open doors"
A Bank with “open doors”
Slide 22: Service Network
Service Network Retail Branches PABs and PAEs Convenience Branches Mall Branches Advanced Service Branches 3,080 Branches 2,764 outlets 128 units 72 Branches 1,451 PAAS in regions with located on-site installed in dedicated to located in cities excellent market | | at companies, major serving mall ‘
Slide 23: Bradesco Expresso
Bradesco Expresso Bradesco has been expanding its presence in Correspondent Banks through its Bradesco Expresso network, forming partnerships with supermarkets, drugstores, department stores and other retail chains
Slide 24: Banco Postal
Brand through which Bradesco offers its products and services in partnership with Brazil's postal service (Empresa Brasileira de BANCO POSTAL Correios e Telégrafos — ECT) oo! A andesco : Zz Tila 1
Slide 25: Floating Branches
Floating Branches Advanced Service Station (PAA) installed on riverboat traveling the Solimées River in the Amazon Region, taking bank inclusion to cities along the river, flutuante Trecho percorrido pelo Voyager IIT Units offers a series of banking services (open accounts, withdrawals, deposits, tr
Slide 26: Bradesco Prime - Service Structure
Bradesco Prime - Service Structure Specialized relationship management for individuals with incomes starting at R$6 thousand or investments superior to R$70 thousand. 260 Branches in the main capitals and cities of the country, 26
Slide 27: Bradesco Private Bank – Service Structure
Bradesco Private Bank — Service Structure Specialized in managing the relationship with individuals with net availabilities starting from R$2 million Porto Alegre [Bb retone ne Rastine Presence in 10 Brazilian States 27
Slide 28: Mid-sized and Large Companies - Service Structure
f Mid-sized and Large Companies - Service Structure WNORTHERN/NORTHEASTERN REGIONS 7 Bradesco Empresas 2 Bradesco Corporate MIDWESTERN REGIOI 4 Bradesco Empresas As of Mario 28
Slide 29: Client Base Opportunities
Client Base Opportunities Bradesco 21.2 million Checking Accounts 57.1 million Clients Target for Checking Accounts 2010: +2.0 n bedi jac =, 2)
Slide 30: a hana |
a hana | Base: March 2010 (a 5 (Points of (Active Quotes of Net Empresa 57.4 milion | (Presence (Consortium 700 thousand milion | \48,737 561 thousand ‘companies Bradesco Celular 1.4 milion clients Billing Tickets 11.6 milion clients 6.3 million/day \ Insured Clients a 117.8 millon 21.2 million ‘AT™
Slide 31: Opening Statement
@ Opening Statement Ricardo Tadeu Martins - Vice President APIMEC SP Economy Domingos Figueiredo de Abreu ~ Vice President and IR Director of Bradesco ®& Performance Strategy | [4 | Main Figures |@ share Performance ic Sustainability LS. as
Slide 32: EPS, Efficiency and Net Income
EPS (), Efficiency and Net Income 2.9% 426% 8.0% andl 425% 419% an a, 412% 2a 2a 22s aes 2a a at 22 aay R$ Million 27 2.002 1.956 1396 | | | | | | | l 1008 20 0 40 1003 20 30 40 1010 mcjusid net income [P-Eamings por Share (85) —>—Etfcloncy Ratio ‘Recumulated over 12 Months ( Foc EPS comparison purp
Slide 33: Net Income Breakdown
Banking 67% Funding _ 7% Loans 18% Securities 15% Oe es 900 | Net Income Breakdown. 1Q10 Banking 67% Funding 5% Securities. 8% REL 956 million sae RE2147 million |
Slide 34: Interest and Non Interest Income
RS Million 7860 7.887 749 7:688 718 8A77 5144 interest Non Interest 34
Slide 35: Core NIM & NII
Core NIM & NII w=. Mage Mee 120% Be im am MPLA ae Seng tose 05% Sects 4 W23% 22% SN, -- pe 5 Sees -s joan 2% TH tram ee SR BT Picts Paes eee a 8% OAK % 8.0% 9% 7.8% Eto 78% 70% 70% 78% 78% pazg S77! 6.801 Be R$ Million ser gene 5016 8944 il I i | | LL 200730 me Aajstoa nt Avera terest Rat = (Tota As
Slide 36: Margins
R$ Million 2008 30 “ ‘Net Margin 1009 =PLLC) 20 Gross Margin 40 1010 36
Slide 37: Fee Income
Fee Income Variation % 1010 QoQ Y-0-¥ Cards 972 20 165 Checking Accounts 542 (0.2) 13 Loan Operations 390 @7) 66 Asset Management 429 (0.2) 163 Collection 257 (08) 89 Tax Payments 69 45 95 Consortium 7 24 213 Custody / Brokerage 114 (17) 284 Technical Analysis Underwriting 75 (28.6) 240.9 Others 179
Slide 38: Operating Expenses
lies De Operating Expens« RS Million Variation % Q-0-Q Y-0-Y - Structural 06 93 - Non Structural 8.4
Slide 39: Total Assets and Shareholders' Equity
E Total Assets and Shareholders’ Equity | RSMillion \ Total Assets ‘Shareholders’ Equity a 20.3% 22.2% ; — ei = || | | i | arto aes cucoe ot moa Assets —=-ROAA(1) ‘mm Shareholders Equty —S-ROAE (1) 2) Basel Ratio -BIS 1% Tier! Teri Deductions ) 1) @ Accumutated, Adjusted Net income over the Period;
Slide 40: Total Loan Portfolio
Slide 41: Delinquency Ratio > 90 days
Delinquency Ratio > 90 days junds sep D4 Maro7 Jun Sep Dee ard Jun Sep Dec Maro Jun Sep te Marto —Sinaviduats —a-Large Corporate =-SMES Total 0) see the Report en Economic and nar Aras [Eb neten ere pts Poor} a
Slide 42: Delinquency Ratio 15 to 90 days
| Delinquency Ratio 61 to 90 days ‘Junos Jul Ago Sep Oct Nov Dec dan Feb MarO® Apr May Jun Jul Aug Sep Oct_Nov Dec Jan Feb MartD —ecorporate —e-inavisuals —teTotat 42
Slide 43: Provisioning Ratios
Provisioning Ratios RS55DI Rs7 vunoT Sap Dee MarOB_ Jun Sep Dee MarOo Jun Sep Ose Marto er “Mima Requres PLL -B-€44 Past DvesLcan Porto b =e 12Monin we ons “2 12-Montns wt os (605s)
Slide 44: Coverage Ratio – Non Performing Loans
Coverage Ratio — Non Performing Loans 08 ] 1010 was 1658 1091 anes 1824 ues 979 19984 1907 223 40 1008 20 70 40 mover 90 days (1) Over 60 cays (2) 1636 | 30 (2) provision fr tzan Losses (Outstancing Balance) Loan Operations past due by more than 90 days J) heroin fr Loan Losses (oustancing Balance L
Slide 45: Written Premiums, Pension Plans' Contributions and Savings Bonds Income
Written Premiums, Pension Plans‘ Contributions and Savings Bonds Income RS Million Variation % 1a10 | 4Q09 1009 Q0-Q Y-0-Y Life and Pension Plans 3,910 | 4,933 2,822 (20.7) 38.6 Health (*) 1,705 | 1,622 1,419 54 20.2 Auto and P&C 935 855 718 94 302 Savings Bonds 526 875 413 (5) 274 Others Lines 120
Slide 46: Opening Statement
omnes Opening Statement Ricardo Tadeu Martins - Vice President APIMEC SP @ Economy Domingos Figueiredo de Abreu — Vice President and IR Director of Bradesco ® Performance Strategy (4) Main Figures BB share Performance {6} Sustainability Tren nents ey
Slide 47: Share Appreciation
Share Appreciation — In RS* 2005 2006 2007 2008 2009 1710 2005 © 2006-2007 «2008» 20081710 — Bradesco Common 133% 34% 25% 38% © 55% © 4% 259% — Bradesco Preferred 118% 33% 33% © -37% © 68% © -1% 298% bovespa 28% 33% © 44% © 41% © 83% 30H 169% | sasjustes by distributed dividends Rivet ene patton ED
Slide 48: Dividends
Dividends R$ Million 33.1% 31.5% 31. Over RS 13 billion in 2,823 dividends distributed 2,692 2,718 in the period 2,160 1,881 | J 2005 2006 2007 2008 2009 1910 HE Dividends |= — Accumulated Net Pay Out -12 months. irate it ating EE 50
Slide 49: Opening Statement
@ Opening Statement Ricardo Tadeu Martins - Vice President APIMEC SP Economy Domingos Figueiredo de Abreu — Vice President and IR Director of Bradesco @ Performance Strategy (4) Main Figures @ Share Performance GB sustainability |
Slide 50: Bradesco Sustainability Strategy
Bradesco Sustainability Strategy Bradesco’s initiatives are distributed among three main areas: Banco do Planeta Sustainable Responsible Management Socio-environmental Investments Finance Bidders ESD Sy
Slide 51: Bradesco's Sustainability Strategy
Bradesco’s Sustainability Strategy Banco do Planeta Sustainable Responsible Socio-environmental Finance Management Investments ™ The Equator Principles ™ Socio-environmental Products = Banking Inclusion © Socio-environmental credit lines © Banco Postal © Affinity Cards * Bradesco Expresso * Savings
Slide 52: Bradesco's Sustainability Strategy
Banco do Planeta Bradesco’s Sustainability Strategy Sustainable Finance Responsible Managment Socio-environmental Investments Committees and Policies Management of Suppliers Sustainability Report Volunteer Programs Global Compact Millenium Objectives Ecoefficiency ™ Ombudsman Department = CDP (Carbo
Slide 53: Bradesco's Sustainability Strategy
Bradesco’s Sustainability Strategy Sustainable Responsible Socio-environmental Finance Management Investments Private Social Investments ™ Donations * Fundacao Bradesco © Bradesco Esportes e Educagao Educa+Acao * Fundacao Amazonas Sustentavel (FAS) Fundagao SOS Mata Atlantica Instituto Ayrton Senna
Slide 54: 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: June 10, 2010 BANCO BRADESCO S.A. By: / S / Domingos Figueiredo de Abreu Domingos Figueiredo de A