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
Macroeconomic Information | 4-21 | |
Corporate Profile | 22-32 | |
ESG | 33-45 | |
Strategic Plan | 46-51 | |
Results | 52-65 | |
Attachments - Results | 66-76 | |
Our Business | 77-118 | |
05/08/2024
Macroeconomic
Information
ECONOMIC SCENARIO
Main Projections
2021 | 2022 | 2023 | 2024 | 2025 | |
GDP (% p.a.) | 4.8 | 3.0 | 2.9 | 2.5 | 2.0 |
Extended Consumer Price Index IPCA (% p.a.) | 10.1 | 5.8 | 4.6 | 3.6 | 3.4 |
General Market Price Index IGP-M FGV (%) | 17.8 | 5.5 | -3.2 | 2.4 | 2.9 |
Selic (% p.a.) year-end | 9.25 | 13.75 | 11.75 | 9.50 | 8.50 |
USD - Commercial Rate (R$/US$) year-end | 5.58 | 5.22 | 4.84 | 4.90 | 4.70 |
Industrial production (% p.a.) | 3.9 | -0.7 | 0.1 | 2.8 | 0.5 |
Restricted Retail Sales (% p.a.) | 1.4 | 1.0 | 1.6 | 4.9 | 2.0 |
CAGED- net employment creation (in million) | 2.9 | 2.0 | 1.5 | 1.8 | 0.9 |
Unemployment rate (% p.a. year average) | 13.2 | 9.3 | 8.0 | 8.0 | 8.0 |
Credit Stock (%p.a.) | 16.4 | 14.5 | 8,1 | 10.0 | 8.0 |
Balance of Trade (BCB) (US$ billion) | 36.4 | 44.2 | 80.5 | 77.8 | 77.5 |
Current Account Balance (US$ billion) | -46.4 | -48.3 | -28.6 | -17.0 | -22.1 |
Public Sector Primary Result (R$ billion) | 64.7 | 126.0 | -249.1 | -57.5 | -69.9 |
Gross Debt (% GDP) | 77.3 | 71.7 | 74.4 | 77.3 | 79.4 |
Bradesco economic forecasts are revised each month. During moments of greater volatility, the level of uncertainty and error margins naturally rise, especially between revisions. Our forecasts are based on the assumption that the adjustments necessary to ensure the sustainability of Brazil's macroeconomic framework will be implemented over the next few years. If these adjustments do not materialize or are better than expected, the forecast could be altered significantly. Last updated on May 06th, 2024
Macroeconomic Information
Corporate Profile
ESG
Strategic Plan
Results
Attachments
Our Business
5
UNEMPLOYMENT RATE
Monthly metric, seasonally adjusted
16.0% 15.0% 14.0% 13.0% 12.0% 11.0% 10.0% 9.0% 8.0% 7.0% 6.0%
7.0%
12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 |
Source: IBGE, Bradesco In mar-24
Macroeconomic Information
Corporate Profile
ESG
Strategic Plan
Results
Attachments
Our Business
6
UNEMPLOYMENT RATE
Unemployment by socioeconomic class
(%)
38.3
31.1 | 31.4 | 30.2 | 30.9 | ||||||||||||||||||||||||||||||||||||||||
27.0 | 25.6 | ||||||||||||||||||||||||||||||||||||||||||
25.2 | 25.2 | 23.9 | 23.6 | ||||||||||||||||||||||||||||||||||||||||
22.4 | |||||||||||||||||||||||||||||||||||||||||||
19.2 | 20.4 | ||||||||||||||||||||||||||||||||||||||||||
18.1 | 17.9 | ||||||||||||||||||||||||||||||||||||||||||
16.6 | 17.1 | 17.3 | |||||||||||||||||||||||||||||||||||||||||
16.0 | 15.7 | 15.7 | |||||||||||||||||||||||||||||||||||||||||
15.2 | |||||||||||||||||||||||||||||||||||||||||||
13.6 | |||||||||||||||||||||||||||||||||||||||||||
10.6 | 11.9 | 11.9 | 11.2 | 11.1 | |||||||||||||||||||||||||||||||||||||||
9.9 | |||||||||||||||||||||||||||||||||||||||||||
9.3 | 9.3 | 9.2 | 9.3 | 9.4 | |||||||||||||||||||||||||||||||||||||||
8.6 | 8.9 | 8.3 | 8.8 | ||||||||||||||||||||||||||||||||||||||||
7.9 | |||||||||||||||||||||||||||||||||||||||||||
7.0 | |||||||||||||||||||||||||||||||||||||||||||
5.5 | 5.6 | 5.7 | |||||||||||||||||||||||||||||||||||||||||
4.9 | 4.5 | 4.9 | 5.2 | 5.1 | 5.1 | 4.9 | |||||||||||||||||||||||||||||||||||||
3.5 | 3.7 | 3.8 | 3.8 | 3.6 | 3.6 | 3.2 | |||||||||||||||||||||||||||||||||||||
3.4 | 2.8 | 2.6 | 2.7 | 2.0 | 2.5 | 2.3 | 2.1 | 1.9 | |||||||||||||||||||||||||||||||||||
2.5 | |||||||||||||||||||||||||||||||||||||||||||
2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 1Q23 | 2Q23 | 3Q23 | 4Q23 | |||||||||||||||||||||||||||
Class E | Class D | Class C | Class A and B | ||||||||||||||||||||||||||||||||||||||||
Source: IBGE, Bradesco
Macroeconomic Information
Corporate Profile
ESG
Strategic Plan
Results
Attachments
Our Business
7
UNEMPLOYMENT RATE
Unemployment by region
(%)
16.0 | 16.0 | ||||
14.5 | 15.0 | ||||
13.4 | 14.3 | 13.7 | 13.9 | 13.3 | |
12.6 | |||||
12.4 | |||||
11.4 | 12.9 | ||||
12.9 | |||||
10.7 | 10.6 | 12.2 | |||
9.4 | 9.5 | ||||
9.8 | 8.0 | 8.5 | 8.5 | 8.2 | |
17.6 | 18.9 | 18.4 | |||||||||||||
15.8 | 15.1 | 15.3 | |||||||||||||
14.8 | 14.6 | 14.9 | |||||||||||||
13.3 | 12.5 | 12.5 | 12.9 | 15.0 | 14.1 | 12.7 | |||||||||
12.8 | 11.7 | 12.2 | |||||||||||||
11.6 | |||||||||||||||
10.9 | 13.3 | 11.2 | 11.1 | 11.3 | 10.8 | ||||||||||
12.0 | 12.6 | 10.9 | 10.4 | ||||||||||||
10.7 | 10.7 | 12.0 | 11.2 | 7.9 | |||||||||||
8.9 | 8.7 | 9.1 | |||||||||||||
8.4 | 8.7 | 8.2 | 8.4 | 8.5 | 7.5 | ||||||||||
8.2 | 8.1 | ||||||||||||||
8.2 | 7.7 | 9.3 | 8.1 | 7.7 | 7.7 | ||||||||||
6.8 | 6.7 | 6.5 | 7.0 | 6.5 | 7.9 7.08.6 | 7.1 | |||||||||
5.8 | |||||||||||||||
5.6 | 5.2 | 6.2 | 5.0 | 5.7 | 5.5 | ||||||||||
4.5 | 4.7 | 4.6 | 4.5 | ||||||||||||
2Q16 | 4Q16 | 2Q17 | 4Q17 | 2Q18 | 4Q18 | 2Q19 | 4Q19 | 2Q20 | 4Q20 | 2Q21 | 4Q21 | 2Q22 | 4Q22 | 2Q23 | 4Q23 | |||
North | Northeast | Southeast | South | Mid-west | ||||||||||||||
Source: IBGE, Bradesco
Macroeconomic Information
Corporate Profile
ESG
Strategic Plan
Results
Attachments
Our Business
8
AVERAGE SALARY IN THE ECONOMY
Usual income from work. R$ constant. Continuous PNAD
3250 | ||||||||||||
3150 | 3,118 | |||||||||||
3050 | ||||||||||||
2950 | ||||||||||||
2850 | ||||||||||||
2750 | ||||||||||||
2650 | ||||||||||||
12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 |
Source: IBGE, Bradesco
In mar-24
Macroeconomic Information
Corporate Profile
ESG
Strategic Plan
Results
Attachments
Our Business
9
ACTIVITY TO ACCOMMODATE THROUGHOUT THE NEXT QUARTERS
Total GDP, growth over the previous year
Source: IBGE, Bradesco
Macroeconomic Information
Corporate Profile
ESG
Strategic Plan
Results
Attachments
Our Business
10
Attachments
- Original Link
- Original Document
- Permalink
Disclaimer
Banco Bradesco SA published this content on 14 May 2024 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 14 May 2024 20:28:23 UTC.