Banco Bradesco S A : Bradesco 4Q21 - Earnings Presentation

4th QUARTER RESULTS

2021

Highlights2021

FINANCIAL HIGHLIGHTS 2021

Recurring Net

Income

R$26.2bi 34.7% 21/20

Insurance, Pension

Plans and

Capitalization Bonds

R$11.5bi 5.5% 21/20

Expanded Loan

Portfolio

R$812.7bi 18.3% 21/20

ROAE

Accumulated

18.1%	3.3 p.p. 21/20

Client NII

R$55.5bi 6.5% 21/20

Credit Release on

Digital Channels

R$88bi	Individuals: R$52bi
36% 21/20

Operating Efficiency Ratio (ER)

(Accumulated in 12 Months)
46.0%	0.3 p.p. 21/20

Fee and Commission Income

R$34.1bi 4.1% 21/20

Payment of Interest / Dividends

(Gross - Accumulated)

9.2 Payout 21: 44%

R$ bi 67% 21/20

3

SUSTAINABILITY AT BRADESCO

CLIMATE CHANGE AND SUSTAINABLE DEVELOPMENT

	Operational
Net Zero	Emissions
Commitment
100%
to achieve net zero	compensated
emissions by 2050	since 2020
	Scope 1, 2 and 3

Financed emissions

The most	A pioneer in measuring
relevant	and releasing financed
to a bank	emissions from the
	Corporate portfolio
Scope 3

Leading	Supporting and engaging our clients
proponents	to adapt their businesses and become more resilient to climate change
in the transition
to a low-carbon	Encouraging	Understanding	Stimulating	Financing
economy in Brazil	transparency and	the	the creation	climate
	measurement	specificities	of transition	solutions
	of emissions	and	plans	•	Differentiated
	arising from their	challenges of		•	lines of credit
	activities	each sector		Capital market
			solutions

4

SUSTAINABILITY AT BRADESCO

SUSTAINABLE BUSINESS
Status of target announced in 2021		Allocate
		R$250 billion
R$83.6 billion		for sustainable
	businesses up
already allocated
	to 2025
33%
Dec-21	Dec-25

ISSUANCE OF OUR FIRST SUSTAINABLE BOND ON THE INTERNATIONAL MARKET

Amount	Scope
US$ 500 million	Renewable	E-	Sustainable
	energy	Inclusion	crops
Term	Sustainable	Energy	Pollution
60 months
transportati	efficiency	control
	on
Coupon	Water and	Sustainable	Financial
4.375% p.a.	wastewater	buildings	inclusion
treatment

SPO:

ACKNOWLEDGEMENTS

For the 4th year in a row, in top 10 banks global leaders in sustainability

on the DJSI

Participation in the ISE for the 17th time in a row and in the 1st portfolio of the IGPTW, B3's latest index with an ESG focus

Above average rating by

major ESG indices and ratings

5