Historical resubmission

Version

Reasons for resubmission

Date of change

V2

Amendments to item 12.5/6

July 1st, 2020

V3

Amendments to itens 12.5/6 and 12.10

September 21, 2020

V4

Amendments to item 12.7/8

November 11, 2020

V5

Amendments to item 12.5/6

December 11, 2020

V6

Amendments to itens 12.5/6, 12.10 and 12.12

December 18, 2020

V7

Amendments to itens 12.5/6, 12.10 and 12.12

January 5, 2021

V8

Amendments to itens 12.5/6, 12.7/8, 12.9, 12.10 and 12.12

January 18, 2021

V9

Amendments to itens 12.7/8 and 12.12

January 18, 2021

V10

Amendments to item 12.5/6 and 12.10

January 20, 2021

V11

Amendments to item 12.7/8 and 12.12

February 3, 2021

V12

Amendments to itens 11.1, 11.2, 12.5/6 and 12.12

February 11, 2021

V13

Amendments to itens 12.5/6 and 12.12

February 18, 2021

V14

Amendments to itens 12.5/6, 12.7/8 and 12.10

March 8, 2021

V15

Amendments to itens 12.5/6, 12.10 and 12.12

March 16, 2021

V16

Amendments to itens 12.5/6, 12.10 and 12.12

March 19, 2021

Summary

  • 1. INDIVIDUALS RESPONSIBLE FOR THE FORM ......................................................................................... 8

    1.1 - DECLARATION AND IDENTIFICATION OF THE INDIVIDUALS IN CHARGE ............................................................ 8

    1.1 - CEO'S STATEMENT .................................................................................................................................. 9

    1.2 - INVESTOR RELATIONS OFFICER'S STATEMENT ......................................................................................... 10

    1.3 - STATEMENT OF THE CEO / INVESTOR RELATIONS OFFICER ...................................................................... 11

  • 2. INDEPENDENT AUDITORS ........................................................................................................................ 12

    2.1/2.2 - IDENTIFICATION AND REMUNERATION OF AUDITORS ............................................................................ 12

    2.3 - OTHER RELEVANT INFORMATION .............................................................................................................. 12

  • 3. SELECTED FINANCIAL INFORMATION .................................................................................................... 13

    3.1 - FINANCIAL INFORMATION - CONSOLIDATED .............................................................................................. 13

    3.2 - NON-GAAP EARNINGS ........................................................................................................................... 13

    3.3 - SUBSEQUENT EVENTS TO THE LATEST FINANCIAL STATEMENTS ................................................................. 13

    3.4 - INCOME ALLOCATION POLICY ................................................................................................................... 17

    3.5 - DIVIDEND PAYOUTS ................................................................................................................................. 19

    3.6 - DECLARATION OF DIVIDENDS TO THE WITHHELD PROFITS OR THE RESERVES ACCOUNT ............................... 21

    3.7 - LEVEL OF INDEBTEDNESS ........................................................................................................................ 21

    3.8 - OBLIGATIONS ......................................................................................................................................... 21

    3.9 - OTHER RELEVANT INFORMATION .............................................................................................................. 22

  • 4. RISK FACTORS ........................................................................................................................................... 23

    4.1 - DESCRIPTION OF RISK FACTORS .............................................................................................................. 23

    4.2 - DESCRIPTION OF THE MAIN MARKET RISKS ............................................................................................... 39

    4.3 - NON-CONFIDENTIAL AND RELEVANT LITIGATION, ARBITRATION OR ADJUDICATORY PROCEEDINGS ................ 43 4.4 - NON-CONFIDENTIAL AND RELEVANT LITIGATION, ARBITRATION OR ADJUDICATORY PROCEEDINGS WHOSE APPELLEES ARE ADMINISTRATORS, FORMER ADMINISTRATORS, CONTROLLERS, FORMER CONTROLLERS OR

    INVESTORS ...................................................................................................................................................... 52

    4.5 - CONFIDENTIAL RELEVANT PROCEEDINGS .................................................................................................. 52

    4.6 - NON-CONFIDENTIAL AND RELEVANT JOINT LITIGATION, ARBITRATION OR ADJUDICATORY PROCEEDINGS,

    RECURRING OR ANCILLARY ............................................................................................................................... 52

    4.7 - OTHER RELEVANT CONTINGENCIES .......................................................................................................... 53

    4.8 - RULES OF THE COUNTRY OF ORIGIN AND THE COUNTRY WHERE THE SECURITIES ARE GUARDED .................. 53

  • 5. RISK MANAGEMENT AND INTERNAL CONTROLS ................................................................................ 54

    5.1 RISK MANAGEMENT POLICY ........................................................................................................................ 54

    5.2 - MARKET RISK MANAGEMENT POLICY ........................................................................................................ 61

    5.3 - DESCRIPTION OF THE INTERNAL CONTROLS ............................................................................................. 64

    5.4 - INTEGRITY PROGRAM .............................................................................................................................. 66

    5.5 - SIGNIFICANT CHANGES ............................................................................................................................ 70

    5.6 - OTHER RELEVANT INFORMATION - RISK MANAGEMENT AND INTERNAL CONTROLS ....................................... 70

  • 6. ISSUER'S HISTORY .................................................................................................................................... 71

    6.1 / 6.2 / 6.4 - ESTABLISHMENT OF THE ISSUER, TERM OF DURATION AND DATE OF REGISTRATION AT THE CVM .71

    6.3 - BRIEF HISTORY ...................................................................................................................................... 71

    6.5 - BANKRUPTCY INFORMATION FOUNDED ON RELEVANT VALUE OR JUDICIAL OR EXTRAJUDICIAL RECOVERY ..... 72

    6.6 - OTHER RELEVANT INFORMATION .............................................................................................................. 72

  • 7. ISSUER'S ACTIVITIES ................................................................................................................................ 73

    7.1 - DESCRIPTION OF THE MAIN BUSINESS ACTIVITIES OF THE ISSUER AND ITS SUBSIDIARIES ............................. 73

    7.2 - INFORMATION ON OPERATING SEGMENTS ................................................................................................. 73

    7.3 - INFORMATION ON PRODUCTS AND SERVICES RELATING TO THE OPERATIONAL SEGMENTS ........................... 77

    7.4 - CUSTOMERS RESPONSIBLE FOR MORE THAN 10% OF THE TOTAL NET REVENUE ....................................... 101

    7.5 - RELEVANT EFFECTS OF THE STATE REGULATION OF ACTIVITIES ............................................................... 101

    7.6 - RELEVANT REVENUES COMING FROM FOREIGN COUNTRIES ..................................................................... 133

    7.7 - EFFECTS OF FOREIGN CONTROL ON ACTIVITIES ...................................................................................... 133

    7.8 - SOCIO-ENVIRONMENTAL POLICIES .......................................................................................................... 133

    7.9 - OTHER RELEVANT INFORMATION ............................................................................................................ 134

  • 8. EXTRAORDINARY BUSINESS ................................................................................................................. 135

    8.1 - EXTRAORDINARY BUSINESS ................................................................................................................... 135

    8.2 - SIGNIFICANT ALTERATIONS IN THE ISSUER'S MANNER OF CONDUCTING BUSINESS ..................................... 135

    8.3 - SIGNIFICANT CONTRACTS NOT DIRECTLY RELATED TO OPERATING ACTIVITIES ENTERED INTO BY THE ISSUER

    OR BY ITS SUBSIDIARIES ................................................................................................................................. 135

    8.4 - OTHER RELEVANT INFORMATION ............................................................................................................ 135

  • 9. RELEVANT ASSETS ................................................................................................................................. 136

    • 9.1 - RELEVANT NON-CURRENT ASSETS - OTHERS ......................................................................................... 136

    • 9.2 - OTHER RELEVANT INFORMATION ............................................................................................................ 138

  • 10. OFFICERS' NOTES ................................................................................................................................. 141

    10.1 - GENERAL FINANCIAL AND EQUITY CONDITIONS .................................................................................... 141

    10.2 - FINANCIAL AND OPERATING INCOME ..................................................................................................... 163

    10.3 - EVENTS WITH RELEVANT EFFECTS, OCCURRED AND EXPECTED, IN THE FINANCIAL STATEMENTS .............. 165

    10.4 - SIGNIFICANT CHANGES IN ACCOUNTING PRACTICES - CAVEATS AND EMPHASIS IN THE AUDITOR'S

    OPINION 166

    10.5 - CRITICAL ACCOUNTING POLICIES ......................................................................................................... 174

    10.6 - RELEVANT ITEMS NOT EVIDENCED IN THE FINANCIAL STATEMENTS ......................................................... 176

    10.7 - COMMENTS ON OTHER ITEMS NOT EVIDENCED IN THE FINANCIAL STATEMENTS ....................................... 177

    10.8 - BUSINESS PLAN .................................................................................................................................. 177

    10.9 - OTHER FACTORS WITH RELEVANT INFLUENCE ....................................................................................... 178

  • 11. PROJECTIONS ........................................................................................................................................ 179

    • 11.1 - DISCLOSED PROJECTIONS AND ASSUMPTIONS ...................................................................................... 179

    • 11.2 - MONITORING AND CHANGES TO THE DISCLOSED PROJECTIONS .............................................................. 181

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Banco Bradesco SA published this content on 19 March 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 22 March 2021 13:30:02 UTC.