2018 1 MAIN HIGHLIGHTS 2 FINANCIAL HIGHLIGHTS Expanded Loan - PowerPoint PPT Presentation

RESULTADOS RESULTS 3º TRIMESTRE 3 rd QUARTER 2018 2018 1

MAIN HIGHLIGHTS 2

FINANCIAL HIGHLIGHTS Expanded Loan Portfolio: Recurring Net Income: R$523.4 billion R$5.5 billion RESULTADOS +1.5% QoQ and +13.7% YoY* +7.5% YoY* 3º TRIMESTRE 2018 Delinquency ratios over 90 days Operating Income: Reduction of 30 bps +24.8% YoY* QoQ and 120 bps YoY* Annualized Return on Average Equity (ROAE): Tier I Capital 19.0% +80 bps QoQ +100 bps YoY* 3 * Annual comparison 3Q18 / 3Q17

HIGHLIGHTED THEMES RESULTADOS 3º TRIMESTRE MEI Platform Card Processing Digital Wallet Improvement on Credit Recovery Launched on May/2018 Termination of JV with Fidelity & DIN Card allowing significant synergy the platform offers services under Acquisition of 65% of RCB gains open banking concept, reaching New payment options 2018 allows 25% increase in 357 thousand of users to our customers efficiency BIA Non-Checking Mortgage Dow Jones Sustainability account clients Leadership Bradesco Artificial Intelligence Index Faster process for mortgage Focus in deepening the Largest banking relationship with our 40 assessment and application. implementation of IBM- Best positioned Brazilian Bank in million non-checking Agreement with brokers. Watson in the world 2018, a result of our focus and account clients effort towards sustainability 4

FOCUSED ON EFFICIENCY Digital Checking Account Customers (million) 14.8 Points of Service Optimization: RESULTADOS 32% 11.2 3º TRIMESTRE 3Q16 3Q18 • Adjustments in the size of the branch network • Transformation of Branches Administrative Expenses R$M Branches 2018 into points of services (200 in 2018) IPCA in the period: 7.2 % 5,337 • Segmentation fine tuning 4,845 4,652 • Increase of 12% in the efficiency of the Branch 5,338 5,093 5,030 Network* • Offer increase in digital channels 3Q16 3Q17 3Q18 Digital Platforms Successful Case Customer profitability 40% higher than branches • Paraíba state payroll acquisition: • 3 times more customers per account manager • Credit Portfolio: +50.5% 1.5 million customers until 2019 • Deposit Volume: +43.9% 5 *Customers served per points of services (Branch + PA+PAE)

DIGITAL STRATEGY Inovation Complete Ecosystem RESULTADOS • Inovabra: 180 startups and 60 companies • Ready to serve all generations • Private Equity: R$200 million PE fund • Digital Self Service • Lean and Agile methodology • 96% of transactions made via Digital Channels; 3º TRIMESTRE • 65k accounts opened through the APP (since april/18) + 300k NEXT accounts BIA 2018 • Largest IBM-Watson banking implementation in the ATM world • 90% accuracy in answers • Used by 7.5 million customers by 56 million interactions since Aug/17 Call Center • Multi platform : Bradesco App, Next App, WhatsApp NEXT Digital and Google Assistant Branches Bradesco Expresso Bradesco Internet Open Bankin ing Digital Channels Mobile Banking BIA Physical 6 Branches

DIGITAL IN NUMBERS New Individual Accounts (Thousand) Transactions (%) via NEXT SEPT16 SEPT18 Mobile & Internet* 27 RESULTADOS 61% 77% Individuals 19 Money Transfer within Bradesco accounts 14 96% 98% Companies 78% 86% Individuals Money Transfer to other 3 Banks (DOC/TED) 96% 98% 0.1 Companies 3º TRIMESTRE 42% 64% Individuals 3Q17 4Q17 1Q18 2Q18 3Q18 Customer Base (Thousand) Payments 95% 99% Digital Channels Companies 500k 2018 Non-Bradesco Checking Checking 86% Loan Origination SOURCE Account Holders 53% Mobile and Internet (100 basis) 14.8MM Account 28.1MM CHURN <2% Individuals DIGITAL CUSTOMERS DIGITAL Customers 200 300k 129 100 55% 4,000 29% Individuals Digital checking account customers (million) 3,000 13.7 Jan - Sept/16 Jan - Sept/17 Jan - Sept/18 12.6 10.3 Companies New 310 SEPT16 SEPT17 SEPT18 Accounts 67% 185 Companies 85% 100 SEPT DEC Digital checking account customers (million) 1.1 1.0 0.9 Jan - Sept/16 Jan - Sept/17 Jan - Sept/18 SEPT16 SEPT17 SEPT18 7 * Transactions made via Mobile App & Internet / Transactions in all channels

PAYMENT Card Acquirers Digital Wallets • 30k Account Managers strategically positioned 220MM s martphones RESULTADOS throughout Brazil in Brazil • Integrated Products: Bradesco POS + service packages 3º TRIMESTRE 198MM 1.5MM (90%) (0.7%) Android w/o 2018 NFC Bradesquinha Stelinha 5.0MM 15MM (2.3%) (7%) 85,0 0 0* 123, 0 0 0 sales sales MEI Bradesco Small Companies 357k 7.2MM Open banking Management Bradesco´s Strong offer Platform Support for Users Formalized MEIs in MEI Segment Companies * Incremental sales 8 on top of recurring

WEALTH MANAGEMENT Complete Investment RESULTADOS Prime + Private 1.3MM Platform CUSTOMERS 3º TRIMESTRE • Ágora + Bradesco brokerage house 300 k 2018 • Investment Advisory in Global markets Broker Dealer CLIENTS • Recommended portfolio of Investments and Pension Plans R$ 400 Bi • Service focused on the Persona • Investments in tools and qualified people AuM + AuC 9

ADDED VALUE TO SOCIETY Bradesco’s added value reached Fundação Bradesco R$45.0 billion in 2018, distributed as is an inspiration and our greatest pride RESULTADOS follows: • 97 thousand students benefited only 3º TRIMESTRE in 2017 2.0% • R$6.5 billion invested in the 23.0% 2018 last 10 years (dividends) 34.1% • Endorsement of social, sporting and cultural activities 29.0% 11.9% Government Profit Dividends / IoC contribution reinvestment (paid / provisioned) Return on third-party Work capital (Rentals) remuneration 10 10

FINANCIAL RESULTS 3 rd QUARTER 2018 11 11

RECURRING INCOME STATEMENT TOTAL ASSETS, SHAREHOLDERS’ EQUITY AND RETURNS VARIATION% R$ MILLION RECURRING INCOME STATEMENT 3Q18 9M18 3Q18 x 2Q18 3Q18 x 3Q17 9M18 x 9M17 15,749 46,519 4.4 2.5 (1.6) NET INTEREST INCOME (3,512) (10,841) 2.2 (23.3) (28.9) EXPANDED ALL 12,237 35,678 5.1 13.5 11.3 GROSS INCOME FROM FINANCIAL INTERMEDIATION Income from Insurance (1) 1,999 5,719 (9.3) 32.3 16.3 8,072 24,022 (0.6) 3.2 5.6 Fee and Commission Income (10,099) (29,658) 1.8 2.4 0.9 Operating Expenses (Personnel + Administrative) Other Operating Income / (Expenses) (2) (3,782) (11,520) (3.2) 8.1 9.8 8,427 24,241 3.5 24.8 22.3 OPERATING INCOME Income Tax / Social Contribution and Non-Operating (2,956) (8,507) (0.9) 52.2 50.4 Income / Non-controlling interests in subsidiaries 5,471 15,734 6.0 13.7 11.1 RECURRING NET INCOME 115,670 115,670 2.3 4.9 4.9 SHAREHOLDERS' EQUITY 1,356,748 1,356,748 3.9 3.4 3.4 ASSETS 19.0% 18.7% 0.6 p.p. 1.0 p.p. 0.6 p.p. ROAE 1.6% 1.6% - 0.1 p.p. 0.1 p.p. ROAA (1) Income from Insurance, Pension Plans and Capitalization Bonds = Retained Premiums from Insurance, Pension Plans and Capitalization Bonds (-) Variation in technical reserves for Insurance, Pension Plans and Capitalization Bonds (-) Retained Claims - Capitalization Bond Draws and Redemptions (-) Insurance Plan, Pension Plan and Capitalization Bond Selling 12 Expenses; and (2) Includes Equity in the earnings (losses) of unconsolidated and jointly controlled subsidiaries and tax expenses.

QUARTELY ROAE 19.0% 18.6% 18.4% 18.3% 18.1% 18.0% 18.0% 17.4% 4Q16 1Q17 2Q 3Q 4Q 1Q18 2Q 3Q 13

LOAN ORIGINATION PER BUSINESS DAY EARMARKED AND NON-EARMARKED LOANS INDIVIDUALS COMPANIES 40.6% 29.5% -8.3% 8.1% 129 153 120 141 117 130 113 124 100 100 3Q17 4Q 1Q18 2Q 3Q 3Q17 4Q 1Q18 2Q 3Q Base 100 Base 100 14 Note: Does not include sureties and guarantees, debentures, foreign exchange products and limits.

EXPANDED LOAN PORTFOLIO VARIATION% % IN RELATION SEPT18 JUNE18 SEPT17 TO TOTAL Q-o-Q Y-o-Y SEPT18 R$ MILLION 337,272 332,818 314,657 1.3 7.2 64.4 COMPANIES 238,896 237,868 223,801 0.4 6.7 45.6 Large Corporates 98,376 94,950 90,856 3.6 8.3 18.8 Micro, Small and Medium-Sized Enterprises 186,159 182,817 172,207 1.8 8.1 35.6 INDIVIDUALS 48,572 46,593 42,551 4.2 14.2 9.3 Payroll-deductible Loans 37,051 35,618 33,305 4.0 11.2 7.1 Real Estate Financing 33,150 33,606 32,867 (1.4) 0.9 6.3 Credit Cards 22,643 22,167 19,851 2.1 14.1 4.3 CDC / Vehicle Leasing 19,247 18,490 17,122 4.1 12.4 3.7 Personal Loans 25,496 26,343 26,511 (3.2) (3.8) 4.9 Others 523,431 515,635 486,864 1.5 7.5 100.0 EXPANDED LOAN PORTFOLIO - TOTAL 15 1.2 5.6 WITHOUT EXCHANGE VARIATION

NET INTEREST INCOME VARIATION% 3Q18 2Q18 3Q17 9M18 9M17 3Q18 x 2Q18 3Q18 x 3Q17 9M18 x 9M17 R$ MILLION NII - INTEREST - EARNING PORTION 15,583 14,979 15,436 46,055 47,114 4.0 1.0 (2.2) 12,323 12,127 12,119 36,140 37,417 1.6 1.7 (3.4) Credit Intermediation 1,193 988 1,503 3,707 4,177 20.7 (20.6) (11.3) Insurance 2,067 1,864 1,814 6,208 5,520 10.9 13.9 12.5 ALM / Other NII - NON-INTEREST - EARNING PORTION 166 105 (75) 464 175 58.1 - 165.1 NET INTEREST INCOME 15,749 15,084 15,361 46,519 47,289 4.4 2.5 (1.6) 8,811 8,690 7,540 25,299 22,178 1.4 16.9 14.1 Net Credit Intermediation 12.1% 12.1% 11.8% 11.7% 11.4% 6.8% 6.7% 6.6% 6.2% 6.1% 3Q17 4Q 1Q18 2Q 3Q 16 Quarterly average interest-earning credit intermediation Quarterly average interest-earning portion NIM