Banco Bradesco S A : Bradesco 1Q24 - Institutional Presentation

Institutional Presentation 1Q24

DISCLAIMER

This presentation may contain forward-looking statements. Such statements are not statements of historical facts and reflect the beliefs and expectations of the company's management. The words "anticipates", "believes", "estimates", "expects", "forecasts", "plans", "predicts", "projects", "targets" and all similar words are intended to identify these statements, which necessarily involve both known and unknown risks and uncertainties. Known risks include uncertainties, which are not limited to the impact of competitive services and pricing, market acceptance of services, service transactions by the company and its competitors, regulatory approval, currency fluctuations, changes in the service mix offered, and other risks described in the company's reports. Forward-looking statements speak only in terms of the date they are made and Banco Bradesco does not assume any obligation to update them in light of new information and/or future developments.

2

	Corporate Profile	4-14
	ESG	15-27
	Strategic Plan	28-39
	Results	40-53
	Attachments - Results	54-63
	Our Business	64-106
	Macroeconomic Information	107-124

05/28/2024

Corporate

Profile

SELECTED INFORMATION- 1Q24

One of the largest financial groups in Latin America

CONSOLIDATED GROUP

R$ 4.2	10.2%
(Billion)	ROE-accumulated
Recurring Net
Income

12.7%	71.0
	Million Clients
Tier 1	(38.3 million
Capital	account holders)

R$ 2.0	R$ 889.9
(Trillion)	(Billion)
Total	Expanded Loan
Assets	Portfolio

7,173	37,983
Branches +
Service Centers	Banking
(PAs/PAEs) + BUs	Correspondents

INSURANCE OPERATIONS

R$2.0	R$373
(Billion)	(Billion)
Net Income	Technical
Provisions

R$423	R$28.0
(Billion)	(Billion)
Total	Premiums and
Assets	Contributions
	Income

Corporate Profile

ESG

Strategic Plan

Results

Attachments

Our Business

Macroeconomic Information

5

OUR HISTORY

Pioneering, innovation, and expansion

					First "cash	Formation
Founding of	Creation of	First company in	Bradesco Card	Branch nº 1,000 dispenser" installed,
Banco Brasileiro	Fundação	Latin America	First Brazilian	opened in Chuí, far	SOS Bradesco,	of group
de Descontos	Bradesco	to buy a computer	credit card	south of Brazil	predecessor of the	Bradesco
(Bradesco)					current ATM	Seguros

First Internet	First Mobile	Joined the	Included in	Included in the	Joined
banking in Latin	Banking in	ISE	Dow Jones
UN Global	the CDP
America	Latin America		Sustainability
Compact
			Indexes

1943 1956

MAIN ACQUISITIONS:

• Baloise - Atlântica Cia

Brasileira de Seguros	• BCR
1996	1998

1997

• Credireal
• Itabanco
• BCN
• Companhia União de Seguros Gerais

1962	1968	1970	1983
		• Banco Cidade
		• BES (3%)
		• BEA
•	Banco BoaVista	• Banco Mercantil
	Interatlântico	• Deutsche Bank
•	Banco das Nações	DTMV S.A.	• B.E.M
2000	2002	2004
1999	2001		2003
• Banep	• Banque		• Banco Zogbi S.A.
• Continental	Banespa International	• BBVA
	Luxemburg		• Gestão de Recursos de
	• Banco Postal/	Terceiros do JP Morgan
	Correios		S.A.

1995

2000

2005

2006

	• Ágora Corretora		• Bitz
		• Dindin
• Amex	• Medservice	• HSBC Brasil
2020
2006	2008	2016

2005	2007	2009	2019	2022
• BEC	• BMC	• IBI
• Digio
• BAC Florida
		• Odontoprev

2007

2008

2009

2010

2011

2013

2014

2017 2018

Relaunch of Ágora

2020

2021

2022

2023

Yearbook S&P

New Information			First branch on a
technology	First credit card	boat (Voyager III).
center, part of the	made from	It runs about 1,600
IT improvement	recycled plastic	km between
project, started in			Manaus and
2003			Tabatinga
			(Amazonas)
Corporate Profile			ESG

Biometrics	Joined	Self-service
End of	UNEP-FI
without card
Password

Strategic Plan	Results

BIA

Attachments

First 2021 Brazilian

bank to

commit to

Net-Zero

Our Business	Macroeconomic Information		6

INNOVATION

Complete innovation ecosystem

Technologies

Artificial	Big	Biometrics	Blockchain	API
Intelligence	Data
algorithms

	The growth reflects the
	rapid transformation and
	the evolution of our
Technology and	Innovation ecosystem in
Innovation	addition to our
investments	strategic partnership
2019 to 2023

research

AI and other technologies

international

NY & London

lab

Prototyping, PoCs and certification

polos

Open innovation

INTERNAL

INNOVATION

ventures

Investments in startups

OPEN INNOVATION

hub

Open innovation portal

startups

Open innovation

habitat

Space for co-innovation

Corporate Profile

ESG

Strategic Plan

Results

Attachments

Our Business

Macroeconomic Information

7

accelerating in transactions and businesses

+98%	95% are concentrated on Mobile and Internet

transactions are carried out through

Digital Channels

87% 95%

61%

1Q14

1Q20

1Q24

	1Q20	1Q24
Pix	-	100%
Transfers	93%	95%
Payments	78%	88%

Robust SLA: 99.95% availability of digital channels* in 1Q24 (99.97% Individual and 99.93% Companies)

a complete app

generating a lot

more businesses

usage 1Q24	credits released		61%	+62% payroll - deductible
+27 Mi users	to individuals		of the total	Loans (q/q)
	(67% of the total released)
	released to
	unique	grew 48% (q/q)
		individuals in	+29% personal loans (q/q)
	financial			the bank	(70% of total released)
+34% (q/q)transactions	35% of the Individual			+68% of production through digital offers
17Mi	21	renegotiations carried out
	and 5 p.p. increase in the conversion rate of
through the app with an
		credit journeys on the app (q/q)
increase of 31% in the year (q/q)
accesses	monthly
per day	accesses
	per client

*Mobile. Internet Banking and Net empresa

Corporate Profile

ESG

Strategic Plan

Results

Attachments

Our Business

Macroeconomic Information

8

CUSTOMER SEGMENTATION

Segmented service to different customer profiles

	Ultra Large
	Corporate
			≥ R$4 bn
		Large Corporate
COMPANIES			R$ 500 mn to R$ 4 bn		Global Corporate
	Corporate
			R$ 50 mn to R$ 500 mn
	Companies and Business
			≤ R$ 50 MM

1 - Individual clients or corporate client consumers of Bradesco's products that do not have a bank account. Reference date: May/24

Private Bank		Exclusive
		≥ R$5 mn				R$4.000 to R$14.999,99
						R$40.000 to 149.999,99

≥ R$15.000					Classic
≥ R$150.000				≤ R$4.000

Prime

Non-account holders1

Monthly Income		Annual Revenue		Investment

INDIVIDUALS

Corporate Profile

ESG

Strategic Plan

Results

Attachments

Our Business

Macroeconomic Information

9

SERVICES CHANNELS

Serving customers the way they want

Digital Channels

		+98%
		of transactions
Internet Banking	Bradesco Apps	are made
through digital
		channels

95%

are concentrated in

mobile and the internet

Fone Fácil	ATMs

Physical Channels

Branches + Services Centers

(PAs + PAES) + BUs (UNs)

59

01	0	0	0	1	0	1	1
			ervice	enters	B siness nits	Branches

Bradesco Expresso

01

0

0

0

1

0

1

1

Corporate Profile

ESG

Strategic Plan

Results

Attachments

Our Business

Macroeconomic Information

10