Banco Bradesco S A : Integrated Report 2020 - Complementary Version

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Introduction

It's impossible to talk about a year like 2020 without weighing the impacts brought on by an unprecedented pandemic that modified the way we view our relationships with work, with people and with the planet.

The focus on managing environmental, social and governance factors, along with a true contribution to sustainable development, has grown to make elements even more relevant and integral in our decisions - not only as a matter of responsibility, but also as a business belief and strategy.

This was the year we revised our corporate strategy by establishing positive agendas associated with all of our businesses and focusing on the roots of our origins: client centricity. We have invested even more in technology to not only improve our communications, but to also accelerate changes in the way people interact with Bradesco to make it much easier.

Despite the uncertainties in 2020, we also delivered strong results for the Organization, including a growth in our quarterly net income throughout the year, an expanded loan portfolio and a significant increase in the number of transactions through our Digital Channels - a situation that emphasizes the importance of providing the most convenient, modern, fast and secure banking experience for the client.

While we already worked in a committed and responsible manner before, now we strive to be leaders of change in the coming "Decade of Action", as the United Nations (UN) has been referring to these next 10 years. Over the following pages, you will learn how we put this strategy into practice. It's what makes us unique, and we have been working in this manner for almost eight decades through an ecosystem that is continuously improving.

Enjoy the reading!

BRADESCO Integrated Report 2020

3

How to Read

the Report*

In each chapter, we will point out the correlations between the topics discussed and the directives proposed through the integrated reporting methodology, the stakeholders who are impacted and the Sustainable Development Goals (SDGs) to which our activities have contributed. The correlation is done using icons (on the right side).

The other subsidiaries are always represented by their names. When we talk about our professional staff, we always use the term "employee". The term "associate" is used only to refer to outsourced service providers.

• Throughout this report, the Organization's direct and indirect contribution to the 2030 Agenda
  - the Sustainable Development Goals will be documented. Find out more about the prioritized
  SDGs in the Sustainability Chapter on page 47 and 48.

SDGs prioritized by Bradesco

Capitals

FINANCIAL

CAPITAL

HUMAN

CAPITAL

INTELLECTUAL

CAPITAL

Stakeholders

CL CLIENTS

PI INTERNAL AUDIENCE

AI SHAREHOLDERS AND INVESTORS

1. SUPPLIERS

SDGs

1 No poverty

1. Zero hunger and sustainable agriculture
2. Good health and well-being
3. Quality education
4. Gender equality
5. Clean water and sanitation
6. Affordable and clean energy
7. Decent work and economic growth
8. Industry, innovation and infrastructure

SOCIAL

CAPITAL

MANUFACTURED

CAPITAL

NATURAL

CAPITAL

1. GOVERNMENT/ REGULATORY

CD COMMUNITY/SOCIETY/

TERTIARY SECTOR

10 Reduced inequalities

1. Sustainable Cities and communities
2. Responsible consumption and production
3. Climate action

1. Life below water
2. Life on land
3. Peace, justice and strong institutions
4. Partnerships and means of implementation

BRADESCO Integrated Report 2020

Contact Channels

Questions, suggestions or comments about this publication can be made on the Investor Relations website at (www.bradescori.com.br) or sent via email: [e-mail]

GRI 102-53

We can also be found on social media:

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YouTube

Twitter

Index

Message from the Chairman of the Board of Directors	6
Message from the CEO	8
2020 in Figures	10
Performance during Covid-19	16
About this Material	22
Our DNA	26
Our Strategic Positioning	28
Sustainability at Bradesco	47
Solid and Transparent Governance	85
Generating Value	131
Investor Relations	251
Attachments	252

BRADESCO Integrated Report 2020