Banco Bradesco S A : Dados Econômico-Financeiros

CONDENSED CONSOLIDATED

FINANCIAL STATEMENTS

In accordance with International Financial Reporting Standards (IFRS) issued by the International Accounting Standards Boards (IASB)

1H22

2

Dear shareholders,

We hereby present the Financial Statements of Banco Bradesco S.A. related to the first half of 2022. We follow all International Financial Reporting Standards (IFRS) practices issued by the International Accounting Standards Board (IASB).

ECONOMIC COMMENT

The Brazilian economy continues to surprise positively. The main highlight in recent months has been the dynamics of the labor market, whose fast pace of job creation led to a significant drop in the unemployment rate. In addition, measures such as the release of the FGTS and the increase in Auxílio Brasil guarantee an additional breather on consumption, compensating for the increasingly contractive monetary policy. This dynamic should guarantee the maintenance of a good pace of GDP growth in the coming quarters. As a result, the Brazilian economy is expected to grow by 2.3% this year.

The challenges in the conduct of monetary policy are still present, but inflation showed important relief in the face of tax exemptions. In addition to tax cuts, falling commodity prices can have an additional benefit, affecting both wholesale and consumer prices. On the other hand, the dynamics of the labor market, added to the new fiscal incentive, should maintain the pressure on services inflation. Given the advanced stage of the current monetary tightening cycle, the Central Bank of Brazil should end the Selic rate hike at 13.75%, keeping interest rates at this level for a long time.

The global scenario continues with a higher than usual degree of uncertainty and volatility. Global inflation remains high, reaching historic levels in the US and Europe, demanding a considerable tightening of monetary policy. The rise in interest rates in central economies supplied fears of lower world growth, which was reflected in a sharp correction in commodity prices.

HIGHLIGHTS FOR THE PERIOD

In June 2022, we noticed our shareholders and the market in general that we entered into an agreement with Banco BNP Paribas Brasil S.A. ("BNP Paribas") to enable the potential transfer in the provision of local services to BNP Paribas Private Bank clients who choose to migrate to Bradesco, as a result of BNP Paribas's decision to discontinue their local services in this segment.

BRADESCO Management Report | Consolidated Financial Statements in IFRS

3

STRATEGIC FOCUS

Our business strategy is focused on meeting the expectations of clients, while understanding their needs and life cycle and increasing their satisfaction by means of an experience of excellence in all its interactions with the Bank.

Based on this reflection, we structure our strategy on four large pillars that support the corporate purpose of creating opportunities for the advancement of people and the sustainable development of companies and society.

Clients - our inspiration: Our goal is to contribute to the achievements of our clients through a service of excellence focused on their needs and objectives, promoting the best experience and a relationship of trust and respect. Having the client as the center of our strategy, we have developed several actions to improve our knowledge of behavior, needs and goals, adding value to each moment and interaction. Through the use of data intelligence, complete business solutions, we offer contextualized offerings according to the client's profile and moment of life. All in a pleasant and complete experience, integrating journeys of excellence and processes supported by new real-time decision technologies.

Digital Transformation - how we do: We have digital mentality and behavior to be simple, efficient, agile, connected and innovative. In a context of strong digital transformation, we want to make our clients experience even more fluid, practical and safe. Our management of expenses was highlighted in the strategy, contributing with actions and projects aimed at optimizing the use of channels, reducing the cost of providing services, in the continuous pursuit of efficiency. We seek to maximize value from the client's perspective through a culture focused on continuous improvement, excellence and data use for decision making.

People - our team: We want our company to be the preferred destination for high-performance professionals and where they choose to work now to build their future, as we believe that the foundation of our strategy is rooted in people. We seek to enhance our professionals' essential and life-changing competencies in order to make our corporate strategy feasible. We have an organizational culture based on ethics, transparency and respect for people, and we invest to have an innovative, challenging, and plural environment.

Sustainability made to last: Our focus is to be agents of positive transformation, generating shared value with society, clients, employees, investors and partners. We are committed to growing in a sustainable and diversified manner seeking the best balance between risk and return through a robust capital structure and liquidity. We are committed to managing the socio-environmental and climate risks related to our business and to supporting sectors, activities, projects and assets that have positive socio-environmental impacts. The commitments made and the results of our performance in diversity and inclusion reinforce our belief in the transformative potential of people, respecting individuality and plurality. Inclusion and financial education are important drivers for us, because through them we impact and change the lives of thousands of Brazilians. Ethical and transparent performance permeates our values. It is part of our purpose to contribute to the sustainable development of society, and we work to ensure that our Organization is prepared for the challenges that will be imposed by a low-carbon and inclusive economy.

BRADESCO Management Report | Consolidated Financial Statements in IFRS

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1H22 HIGHLIGHTS
BOOK NET INCOME AND ROAE		SHAREHOLDERS' EQUITY
R$ billion	18,6%				R$14,68
			R$13,86
						156,4
			14,5
16,3%	R$ billion 147,7
+27%
11,4
	1H21	1H22		Jun21		Jun22
		Book Net Income		ROAE		Shareholders' equity		Book Value per Share

INTEREST ON SHAREHOLDERS' EQUITY/

DIVIDENDS R$4.8 bi (gross)

R$3.7 bi - supplementary R$1.1 bi - monthly

EARNINGS PER SHARE

R$1.28 IN COMMON	R$1.41 IN PREFERRED
SHARES	SHARES
BASEL RATIO	MARKET VALUE
15.6%	R$168.3 bi

TOTAL DEPOSITS

R$567.6 bi

(+4% in 12M)

EXPANDED LOAN PORTFOLIO R$855.4 bi (+18% in 12M)

LARGE CORPORATES: R$343.1 bi (+17% in 12M)

INDIVIDUALS: R$341.6 bi (+20% in 12M)

Micro, Small and Medium-Sized enterprises: R$ 170,7 bi (+15% in 12M)

ALLOWANCE FOR LOAN LOSSES R$49.8 bi (+9% in 12M)

SECURITIES

R$687.4 bi

(-6% in12M)

Time Deposits - R$377.5 bi (+7% in 12M) Savings Deposits - R$134.8 bi (-2% in 12M) Demand Deposits - R$53.9 bi (-1% in 12M) Interbank Deposits - R$1.4 bi (-48% in 12M)

FVOCI- R$ 186,0 bi (-43% in 12M) FVPL- R$ 287,0 bi (+24% in 12M)

Amortized Cost - R$ 214,4 bi (+22% in 12M)

BRADESCO Management Report | Consolidated Financial Statements in IFRS

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100% CLIENT

Our relationship with our clients has changed and is becoming closer and closer. That is why we will continue to focus on them, on their desires, needs and goals. This is a movement that is in line with our motto "among us, you come first". To this end, during the development of products and services we consider their profile, life moment and behavior - inside and outside Bradesco. This is possible because we combine the voice of the client with the use of metrics such as NPS and data intelligence.

This way, we get to know each client even better so that we can provide solutions that are consistent with their goals and facilitate their daily lives. An example of this work was the development of a new Pix area for Individual clients, within the Bradesco App. By identifying the points of greatest interaction and search by clients, we revitalized the homepage in order to bring even more fluidity in the use of services, improving the experience during the use of the Pix. The novelty was implemented in the last quarter and used the expertise of the Customer Experience (CX) department, responsible for measuring the data, building and optimizing the journeys, in addition to monitoring the Customer Experience indicators through quantitative and qualitative research. After the implementation, we are already getting extremely positive feedbacks related to the change.

Another innovation includes BIA, our Artificial Intelligence launched in 2016. Also seeking to bring even more usability and security to our clients, we started a pilot project, initially only for Individual clients, transforming it into a channel for security message alerts. Through WhatsApp, BIA contacts the client in cases of suspected credit card fraud. The novelty brings BIA even closer to the client, bringing more security and speeding up communication and manifestation in cases of suspected fraud.

These are practical examples of the constant work carried out by Bradesco Experience responsible for promoting the best experience to clients in all interaction channels. It is a team composed of specialized professionals with an end-to-end vision in creating complete, intuitive and customized journeys. In addition, we have improved partnerships that enable more fluid experiences between different channels. Experiences that we are already expanding for non-financial services. To ensure resilience to our channels and agility in building journeys, we have also strengthened our cloud structure.

In the first six months of 2022, our base was composed of 75.5 million clients.

BRADESCO Management Report | Consolidated Financial Statements in IFRS