Banco Bradesco Sa · BMFBOVESPA:BBDC3
Banco Bradesco Sa — Bank Bradesco — Encontro Bradesco APIMEC Porto Alegre and Rio de Janeiro (September 2010)
107 slides from Banco Bradesco Sa's conference presentation, Sep 24, 2010
Slide 1: Encontro Bradesco APIMEC
ENCONTRO BRADESCO APIMEIC
Slide 2: Macroeconomic Environment
Octavio de Barros se Macroeconomic Environment
Slide 3: Economic Scenario: We Are Seeing Things We Have Never Seen Before
ECONOMIC SCENARIO: WE ARE SEEING THINGS WE HAVE NEVER SEEN BEFORE
Slide 4: Global Economy Slows and Mitigates Inflationary Pressures
: GLOBAL ECONOMY SLOWS AND MITIGATES INFLATIONARY PRESSURES: LOW INTEREST RATES FOR A CONSIDERABLE - PERIOD. —
Slide 5: Mature Economies in Benign Stagnation
MATURE ECONOMIES IN “BENIGN STAGNATION” “THE SITUATION DETERIORATES SATISFACTORILY” = = a Bradesco
Slide 6: World GDP Growth (1980-2011)
World GDP Growth (1980-2011) PERIOD 5152 SE88888588858233353888 828388 TTT ‘SOURCE: IMF (Estimates PREPARATION: BRADESCO || DEPEC~ BRADESCO oa os zon" Bradesco
Slide 7: GDP Growth (2008-2011): Comparison Between Blocs
GDP Growth (2008-2011): Comparison Between Blocs 2010 World Developed 0.4 -3.3 2.3 1.9 USA 0.4 -2.4 27 2.3 Euro Zone 0.6 44 1.4 1.6 Japan 1.2 5.2 3.2 1.5 United Kingdom) 0.5 49 1.6 2.0 Emerging 5.8 ral 6.6 5.7 Brazil 5.1 0.2 7.5 47 China 9.6 8.7 9.9 8.3 India 7.3 5.7 8.9 7.6 Mexico 1.5 6.5 47 3.7 Ar
Slide 8: Bradesco
07 Bradesco
Slide 9: Brazil's Long-Term GDP Growth (1984-2011)
Brazil’s Long-Term GDP Growth (1984-2011) ‘SOURCE: IBGE PREPARATION: BRADESCO neta hooe OED oc
Slide 10: Brazil's GDP Growth Selected Periods
Brazil’s GDP Growth Selected Periods 231 FHC (1995-2002) “SOURCE: 19GE PREPARATION: BRADESCO a) 407 Lula (2003-2010) 750 319 16 years (1995 - 2010) 2010 ind Bradesco
Slide 11: GDP at Market Prices: Cumulative Growth in Rolling Quarters
GDP at Market Prices: Cumulative Growth in Rolling 4 Quarters (2003-2011) Zoro % 18 4s 82 39 26 13 00 43 THLE LEE LEE SOURCE: 18GE PREPARATION: BRADESCO ° nee x BB Bradesco
Slide 12: Brazilian Historic Growth: Environment With and Without Reforms
BRAZILIAN HISTORIC GROWTH: ENVIRONMENT WITH AND WITHOUT REFORMS - 1960 — 2020
Slide 13: Bureaucracy, Tax Charge, Infrastructure
Bureaucracy Tax charge Infrastructure Labor costs Ports Clearrules Age Efficient Judiciary Lack of qualified workforce Cost of capital still high Etc., etc., etc. THE LIST IS EXTENSE, BUT BRAZIL HAS SHOWN THAT IT IS CAPABLE OF ADVANCING IN IMPORTANT ISSUES. Bradesco
Slide 14: Industrial Production
Industrial Production 1992-2011 110% 10.9%, 75% 7.8% 4 40% 18% 1.7% 10% 40% PEEPEUECRREERRER RAE? “SOURCE: 1BGE/PIM PREPARATION: BRADESCO a ET is BB Bradesco
Slide 15: Retail Sales
Retail Sales 2001-2011 “Psy 31% “SOURCE: IBGE PREPARATION: BRADESCO ano ED 2010" ont
Slide 16: Average Unemployment in Brazil's Main Metropolitan Areas
Average Unemployment in Brazil’s 6 Main Metropolitan Areas (%) 15 18 10 ‘00 29100 93 90 as 79 2002 20030042005 200820072008. 200920102011 “SOURCE: 19GE PREPARATION: BRADESCO ntahaooe OED s
Slide 17: Share of Formal Jobs in Brazilian Workforce
Share of Formal Jobs in Brazilian Workforce in 2010 and 2020 51.0 629 2010 16 2020
Slide 18: Annual Net Job Creation — Formal Sector
Annual Net Job Creation — Formal Sector 1996-2011 2001 2002 2003 2004 2008 2008 2007 2008 2009 2010" aor 7
Slide 19: Fear of Unemployment Ratio
FEAR OF UNEMPLOYMENT RATIO (THE SMALLER THE RATIO, THE SMALLER THE FEAR) 1996 - 2010 Jot’) OCTOBER 97=100 10 90 18 Sou PREPARATION: BRADESCO er) 2B
Slide 20: Average Real Wage — Annual Growth
Average Real Wage — Annual Growth 310% arm nen 3.0% 20%, 19
Slide 21: Expanded Real Income
Expanded Real Income (*) Annual Growth Zoro (*Vinlades labor wages, pension benefits, sod benefits nd unemployment insurance 10% aan se gay so so sn sam ey / | 0% E R R g a k i “SOURCE: 19GE PREPARATION: BRADESCO ——— SD 20
Slide 22: Consumer Confidence Index
Consumer Confidence Index Current Situation (Seasonally Adjusted) "THT tenon ED Pt
Slide 23: Inflation, Interest and Exchange Rates
INFLATION, INTEREST AND EXCHANGE RATES
Slide 24: Annual IPCA Inflation (2002-2012*)
Annual IPCA Inflation (2002-2012*)
Slide 25: Companies' Perception of Industry Competition
Companies’ Perception of Industry Competition (MM12m)
Slide 26: Basic Scenario for SELIC Rate 2008-2011
Basic Scenario for SELIC Rate 2008-2011 [A eradesco 2
Slide 27: R$/US$ Exchange Rate
3,00 2,60 220 RS2.14/ USS 2,058 R$/US$ Exchange Rate 2003-201 2014 4,874 1,870 “SOURCE: BLOOMBERG PREPARATION: BRADESCO a SE 26 0 725
Slide 28: R$/US$ Exchange Rate - End of Period
R$/US$ Exchange Rate - End of Period 2000-2012 185 175 180 om 2 2 8 € € € € & &€ & & E Sune 9s = a BB Bradesco
Slide 29: International Reserves 1998-2011
INTERNATIONAL RESERVES 1998 - 2011 USS MILLION 904,883 a Wc =| $22222222222822222222 28:
Slide 30: Investments Remain Strong, Especially in the Industrial Sector
INVESTMENTS REMAIN STRONG, ESPECIALLY IN THE INDUSTRIAL SECTOR
Slide 31: Real Growth in Gross Fixed Capital Formation
Real Growth In Gross Fixed Capital Formation 1996-2011 2289
Slide 32: Rate of Investment
RATE OF INVESTMENT (GROSS FORMATION OF FIXED CAPITAL AS A PROPORTION OF GDP) 1996 — 2011 ‘OF GDP
Slide 33: Quarterly Evolution of Household Consumption and FBCF
QUARTLERLY EVOLUTION OF HOUSEHOLD CONSUMPTION AND GROSS FORMATION OF FIXED CAPITAL (FBCF) - UNSEASONED DATA ssa 399) “SOURCE: IBGE PREPARATION: BRADESCO 32
Slide 34: Number of Company Establishments in Brazil
NUMBER OF COMPANY ESTABLISHEMENTS IN BRAZIL - 2001 - 2009 IN MILLIONS OF ESTABLISHMENTS so = m= vm x m = m vs m a | a TEs oo a a a () PROJECTION: DEPEC SOURCE:RAIS a cou |_ PREPARATION: BRADESCO | | ff] Bradesco
Slide 35: Bring Extraordinary Opportunities for Brazil
R BRING EXTRAORDINARY OPPORTUNITIES FOR BRAZIL
Slide 36: Silent Changes
Silent Changes 2040 Macroeconomic ility “solid tripod” Irrelevant political risk Heightened social mobility rath a Significant More focused bs employment demographic bonus social policies Dynamic capital Healthy expansion market attracting in bank credit Well regulated and paradigmatic unprecedented
Slide 37: Silent Changes: Rising Productivity
2040 Rising productivity and new mentality in private sector Unprecedented foreign appetite and country’s recognition as regional leader Implementation of few but good microeconomic reforms vet haooe ORE Higher competition in nearly all sectors Consolidation of inflation targets in a historically le
Slide 38: % of Brazilians Below Poverty Line
% OF BRAZILIANS BELOW POVERTY LINE 1992-2010 vot 1092 ar 1995 Ed BERR ERE EE EE EE E [ source: cPsjrv [Estimates by CPS/FGV | PREPARATION: BRADESCO neta ED 7
Slide 39: Minimum Wages Needed to Purchase a New Car
NUMBER OF MINIMUM WAGES NEEDED TO PURCHASE A NEW CAR 2000-2010 2010 NUMBER OF MONTHLY MINIMUM WAGES. 165 157.3 145
Slide 40: Percentage of Households with a Fridge
PERCENTAGE OF HOUSEHOLDS WITH A FRIDGE 2001 - 2009 91.0% 850% 83.0% 2001 2002 2003-004 «2005006007008 2000 SOURCE: MTE. PAD /18GE PREPARATION: BRADESCO a 9 Bradesco
Slide 41: Percentage of Households with a Telephone
R PERCENTAGE OF HOUSEHOLDS WITH A TELEPHONE (FIXED AND/OR MOBILE), 2001 - 2009 250% 849% 228% 800% 768% 750% 43% 114% 700% 652% 650% Ce 600% | 589% | ae 2001 2002 —=—2003,-«==«2004 «2005 200620072008) 2000
Slide 42: Percentage of Households with a Computer
R EVOLUTION OF THE PERCENTAGE OF HOUSEHOLDS IN BRAZIL WITH A COMPUTER **, 2001-2009 35% 30% 25% 20% 16% 12.6% 26.8 35.1% 2003 2004 * Excluding rural areas from the following tates: RO, AC, AM, RR, PAand AP. 4a 2005 2008 2007 2008 ©2009 BB Bradesco
Slide 43: Fertility Rate
FERTILITY RATE (Births per Woman) 1991-2009* 1998 19907 1998 19909 2000 2001 2002 2003 2008 2008 2008 ir PREPARATION: BRADESCO oe
Slide 44: Brazil's Demographic Growth
BRAZIL’S DEMOGRAPHIC GROWTH 1981-2030* 15% 10% 05% 0.0% recs oa
Slide 45: Brazil: Average Years of Education
BRAZIL: AVERAGE YEARS OF EDUCATION Individuals Over 25 Years of Age 2003-2009* 73 12 7A 70 “can
Slide 46: Percentage of Population with Over Years of Education
R PERCENTAGE OF POPULATION ABOVE 25 YEARS OLD WITH OVER 10 YEARS OF EDUCATION 2090 2003-2010* 40.8% 39.0% 38.0%: 37.1% 36.0%: 35.7% 34.6% 32.6% 22.0%: 31.4% 30.1% 2003 2004 2005 2006 2007 2008 2009
Slide 47: Intense Social Mobility in Brazil
INTENSE SOCIAL MOBILITY IN BRAZIL
Slide 48: Social Class Breakdown in Brazil
SOCIAL CLASS BREAKDOWN IN BRAZIL Jan-2004 and Jul-2010 — Original Values Social classes in Brazil in January 2004 Class A Class B “4.6% 5.8% Social classes in Brazil in July 2010 ‘SOURCE: PME, PNAD/IBGE PREPARATION: BRADESCO hes ED a7 if Bradesco
Slide 49: Evolution of Number of Brazilians in A, B and C Classes
EVOLUTION OF THE NUMBER OF BRAZILIANS IN A, B AND C CLASSES MM12m 102,000000 92,000000 - ee HHH BH { SOURCE: PE, PNAD/IEGE PREPARATION: BRADESCO pot — i BB Bradesco
Slide 50: Share of Brazilians in A, B and C Income Classes
R Share of Brazilians in A, B and C Income Classes Original Data in MM12m 1.2% 3.0% ri { source: pe, puapjiece —) PREPARATION: BRADESCO = = se BB Bradesco
Slide 51: Brazilians Aged 20 to 59 in A, B and C Income Classes
R BRAZILIANS AGED 20 TO 59 YEARS IN A, B AND C INCOME CLASSES (Bradesco estimates) Zoro Millions of people Moo ‘individuals aged 20 to 59 years tooo 190 w2719 1070 fas 1009 870 m0 0 400 m0 2030" ce Tee (REET wo crouse | |AND ESTIMATES: BRADESCO a RT a Bradesco
Slide 52: Excellent Prospects for the Banking Industry
EXCELLENT PROSPECTS FOR THE BANKING INDUSTRY
Slide 53: Number of Checking Accounts in Brazil's Banking System
NUMBER OF CHECKING ACCOUNTS IN BRAZIL’S. BANKING SYSTEM - Millions 1340 130.0 126.0 1120 64.0 6009. 2000 2001 ~« 2002» «2003-2004 «20052006 -«= «2007 «2008 ©2009 ‘SOURCE: FEBRABAN PREPARATION: BRADESCO ee a Ef Bradesco
Slide 54: Number of Savings Accounts in Brazil's Banking System
NUMBER OF SAVINGS ACCOUNTS IN BRAZIL’S BANKING SYSTEM- Millions 90.0 91.0 wo ao no 0 no seo wo aso a | ool so [BeBe ano ED 33
Slide 55: Number of Credit Cards in Brazil
100 NUMBER OF CREDIT CARDS IN BRAZIL- Millions = 7 | 820 1240 136.0 ‘SOURCE: FEBRABAN PREPARATION: BRADESCO 2006 2008 2000 Bradesco
Slide 56: Clients Who Regularly Use Internet Banking
NUMBER OF CLIENTS WHO REGULARLY USE INTERNET BANKING - Millions 2 30 6 Ea 200 8 2 Bradesco neta haooe OED ss
Slide 57: Loan / GDP Ratio
LOAN / GDP RATIO 2003-2010 246% 25.0% 200% 26.1% 352% 309% 209% 504% 40.1% 450% 409% ‘SOURCE: BACEN PREPARATION: BRADESCO ano ED 56 2008 2009 2010 ao [A eradesco
Slide 58: Breakdown in Mortgage Loans in Total Stock of Credit
R BREAKDOWN IN MORTGAGE LOANS IN TOTAL STOCK OF CREDIT OF THE BRAZILIAN FINANCIAL SYSTEM 13% ax 63% 52% 53% 40% 43% Aug0s Novos FoD0s May-06 Aug Novos Fobor May-o7 Augo7 Nov.or FeD08 May.08 Aug09 Nov.09 Fobt0 May 10 ‘Aust ‘SOURCE: BACEN ) PREPARATION: BRADESCO aeons EEE a BB Bradesco
Slide 59: Nominal Stock of Vehicle Loans and Mortgage Loans
QF NOMINAL STOCK OF VEHICLE LOANS (CDC +Leasing) AND MORTGAGE LOANS (Free + Allocated) 2010 MRS BILION 180 160 130 100 0 “SOURCE: BACEN } PREPARATION: BRADESCO anon SED se
Slide 60: Delinquency Stable and Under Control
DELINQUENCY STABLE AND UNDER CONTROL
Slide 61: Individual Delinquency Over 90 Days
INDIVIDUAL DELINQUENCY OVER 90 DAYS 80% 7,90% 7,60% ETO) 18% 7,00% 10% 6.74% 65% 60% Gib 590% ra 2 5 5 ei a a SI id
Slide 62: Corporate Delinquency Over 90 Days
CORPORATE DELINQUENCY OVER 90 DAYS 2010
Slide 63: Annual Nominal Credit Growth: Free Credit, Corporate
Free Credit Corporate ANNUAL NOMINAL CREDIT GROWTH 2006-2011 OA Bradesco
Slide 64: Encontro Bradesco APIMEC
ENCONTRO BRADESCO APIMEC
Slide 65: Economic and Financial Aspects and Sustainability
Domingos Figueiredo de Abreu ® Economic and ee Financial Aspects and Sustainability
Slide 66: APIMEC Agenda
APIMEC Economic and Financial Aspects Products with High Growth Perspectives Insurance Share Performance Sustainability
Slide 67: APIMEC Agenda
APIMEC 2010 Economic and Financial Aspects Products with High Growth Perspectives Insurance Share Performance Sustainability
Slide 68: Earnings per Share and Net Income
f Earnings per Share ©) and Net Income 2010 os__ 219 07 206 204 202 _2.07_ ——~qe02 (R$ Mition _) F T T il 4010 sHt0 a, Adjusted Net come —_Eamings per share (RS) Accmulated 12 Months (For EPS comparison purposes, shares were adjusted inline with stock bonuses and splits.
Slide 69: Efficiency Ratio
Efficiency Ratio 54.0 54.6 55.1 55.8 55.9 55.4 sag 43.0 433 425 4154090405 4242.0 46.0 44.1 lil 39.0 au. (4370 419 41.5, 3908 4Q 1909 1910
Slide 70: Net Income Breakdown
Net Income Breakdown 1HO9 {%} 1H10 Fees Insurance, Insurance, 26 32 7 34 Banking 69 SIR [ R$ 4,602 mi 14 (R$ 3,952
Slide 71: Bradesco
Bradesco 07
Slide 72: Credit NII
Credit NII 2010 5,757 550 5373 5,630 4,979 4,576 4,256 si 4 3,969 4, ase 2261 1,752 1,671 1888 2,762 3118-908 2,695 3,442 3,596 2,217 2410 2,368 4814 1861 2242 ©2678 2008 30 4a 109 2a 3a 4a 1010-2 {— @Net Margin @PLL(*) Gross Margin } } (© cuding oon dscoues aed recovery, ) ‘ecome from the eo freone
Slide 73: Fee Income
Fee Income 1H10
Slide 74: Operational Expenses
Operational Expenses 1Q10| 1H10 | Structural 1,735 | 3,566 Non-Structural Op. Expenses” Total Assets # Employees [fd Bradesco 10
Slide 75: Total Assets and Shareholders' Equity
Total Assets and Shareholders’ Equity R$ Million Total Assets Shareholders’ Equity 129% 19% 17% 233% name 2.8% 558100 ‘waar t335, iam Ue 2.09 san ' \ a vero enid mas Mart deni {me aareas rome J_ [excises ty none (9 } Basel Ratio - BIS II % {G) Acamulted adjusted Net Income forthe period (2) Bchdes t
Slide 76: Credit Portfolio
Credit Portfolio 244.8 228.1 235-2 243.6 213.0 212.8 215.5 195.6 0% = 2m 20% me 28 159.1 167.3 ATUL Jun Set Der MarO8 Jun Set Der Mar09 Jun Set Dez Mar]. Dun (a =e tage Conertes Tinka) ‘(incides sureties, guarantees, advances of creditcard ‘receivables and loan assignment s(FIDC and CRI) one es = Bi
Slide 77: Delinquency Ratio > 90 Days
Delinquency Ratio > 90 Days 2010 Be
Slide 78: Provisioning Ratios
Provisioning Ratios Zoro Jun07 Sep07 Dec Mar Jun0S Sep Dec Mar -—un09 Sep Dec Mar JunlO Pl — Minions Requied PL Et Past Dues / Loan Portfllo —12-Month Write Offs ing Bradesco
Slide 79: APIMEC Agenda
APIMEC 2010 Economic and Financial Aspects Products with High Growth Perspectives Insurance Share Performance Sustainability
Slide 80: Slide 80
Slide 81: Slide 81
Slide 82: Slide 82
Slide 83: Slide 83
Slide 84: Slide 84
Slide 85: Slide 85
Slide 86: Slide 86
Slide 87: Slide 87
Slide 88: Slide 88
Slide 89: Slide 89
Slide 90: Slide 90
Slide 91: Slide 91
Slide 92: Slide 92
Slide 93: Slide 93
Slide 94: Slide 94
Slide 95: Slide 95
Slide 96: Slide 96
Slide 97: Slide 97
Slide 98: Slide 98
Slide 99: Slide 99
Slide 100: Slide 100
Slide 101: Slide 101
Slide 102: Slide 102
Slide 103: Slide 103
Slide 104: Slide 104
Slide 105: Slide 105
Slide 106: Slide 106
Slide 107: 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: September 24, 2010 BANCO BRADESCO S.A. By: /S/ Domingos Figueiredo de Abreu Domingos Figueiredo d
Bank Bradesco — Encontro Bradesco APIMEC Porto Alegre and Rio de Janeiro (September 2010) on 6ix