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.