Consumer Credit. Main Products. Checking Account Holders. Non Checking AccountHolders PERSONAL LOANS OVERDRAFT FACILITIES

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222 ‹nº›‹nº›‹nº›

Checking Account

Holders

Non Checking AccountHolders PERSONAL LOANS OVERDRAFT FACILITIES REAL STATE

LENDING AND MORTGAGE

VEHICLES FINANCING Payroll DEDUCTIBLE LOANS CARDS

Consumer Credit

Main Products

2

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Exclusive Individuals Bradesco Expresso e PA Small Business

Client Segmentation

individuals

Consumer Credit

Minimum Investment of R$ 3 Million.

Monthly income starting at R$ 9 thousand or Investiment starting at R$ 100 thousand Monthly income from R$ 4 to R$ 9 thousand or

Investiment starting at R$ 40 thousand

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444 ‹nº›‹nº›‹nº›

Prime Branches 304 Retail Branches 4,265

Bradesco Expresso 48,186

Checking Account Holders – Distribution Network

Physical Distribution Network

4

PA e PAE – 4,672

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Fone Fácil

Internet Banking

ATM’s

Mobility and Others Service Channels

Consumer Credit

Checking Account Holders – Distribution Network

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666 ‹nº›‹nº›‹nº›

ATM Call Center

Mobile

Mobility and Others Channels

Transactions 6 4,429 5,126 5,234 5,552 5,774 2010 2011 2012 2013 Proj'14 842 1,185 1,530 1,944 2,255 2010 2011 2012 2013 Proj'14 208 409 597 737 869 2010 2011 2012 2013 Proj'14 11 22 71 196 470 2010 2011 2012 2013 Proj'14 4% 18% 16% 140%

Consumer Credit

Internet 2014* (*) Forecast 2014* 2014* 2014* In R$ Milhões

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Government Employee Employees of Private companies 1,949 Correspondent Banks 12,790 Dealers

Não Correntistas

Channels Affiliates

Consumer Credit

Non Checking Account Holders – Distribution Network

More than 30 Partnerships Telemarketing

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888 ‹nº›‹nº›‹nº› Jun´13 Jun´12 Jun´14 8 R$ 123 Bi R$ 112 Bi R$ 135 Bi 21% 10%

Portfolio Breakdown by Product - Individuals

Consumer Credit

21% 20% 17% 12% 9% 8% 18% 17% 17% 12% 13% 13% 19% 24% 29% 3% 3% 3% 16% 14% 14%

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Saldo acima de 90 dias de atraso (%) 2011 2012 2013 1H'14

6.1

6.2

5.0

4.8

Bradesco Individuals

Delinquency

Over 90 (%)

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101010 ‹nº›‹nº›‹nº›

Integrated Card Business

Credit Cards

Private Label Associated Companies Issuer Bandeira 33.33% 28.65% 50.01% Shareholding Bradesco Fidelity 49.00% 50.01% Livelo USF ShopFácil MPO 80.0% 50.0% 50.01 % 50.01% Participações 50.01% 10

Bradesco creates value and participates in the entire value chain of the cards industry

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Credit Card Billings (R$ Billions)

Performance 1

st

Semester

Credit Cards

1H’13 1H’14 56.4 62.8 Jun’13 Jun’14 34.7 36.4

11%

5%

12%

3,421 3,818

Credit Card Portfolio (R$ Billions) Service Revenues (R$ Millions)

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121212 ‹nº›‹nº›‹nº› B ra zi l Fr e n c h U S A R e in o U n id o A u st ra lia S o u th C o re a 22% 24% 27%

28%

30% 32% 34% 36% 38% 40% 42% 44% 46% 48% 50% 51% 52% 53% 54%

Source: ABECS ,IBGE e BIS

U K 55% 56% C a n a d a

International Comparison

Credit Cards

Participation on household consumption

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Market Growth

Credit Cards

Card Billings: Credit + Debit

2017* 1,475 162 2003 197 2004 244 2005 256 2006 275 2007 347 2008 413 2009 515 2010 635 2011 748 2012 880 2013* 1,017 2014* 1,145 2015* 1,305 2016* R$ Billions

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141414 ‹nº›‹nº›‹nº› 14 R$ Billions

Positioning

Vehicles Financing

13,8% 14,3% 14,6% 14,6%

Ranking – New Bookings ( Jun’14 )

1ºT’14 Apr’14 May’14 Jun’14

Market Share new bookings %

Obs.: Participation of Vehicles in Total Portfolio Individuals= 19% (2Q’14)

1

st

3

th

2

nd

2

nd New Cars Heavy Vehicles Used Cars Motor cycles

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Main Indicators

Estrategy

Vehicles Financing

47 45 ₄₂ ₃₉ ₃₈ 26% 32% 37% 41% 44% 0% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 0 10 20 30 40 50 60 70 80 90 100 2010 2011 2012 2013 2º Tri Average Term (months) % Average Down Payment Average Loan (Thousand R$) 19.6 21.1 20.4 21.9 23.8 1H14

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161616 ‹nº›‹nº›‹nº› Since 1997 Since 2009 16 Since 2003 Partnerships

Positioning

Vehicles Financing

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67.2% 67.6% 66.7% 67.7% 68.6% 69.4% 70.0% 23.3% 24.6% 25.4% 27.3% 29.2% 29.8% 31.4% R$ Millions Market Portfolio 136,312 Dec’10 159,349 Dec’11 188,879 Dec’12 221,878 Dec’13 238,037 Jun’14 107,283 Dec’09 209,391 Jun’13

Payroll-Deductible Loans

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181818 ‹nº›‹nº›‹nº›

8.8%

11.0% 11.2% 11.0% 12.1% 12.1%

R$ Millions

Bradesco Market Share

15,008 Dec’10 17,807 Dec’11 20,757 Dec’12 26,786 Dec’13 28,727 Jun’14 9,450 Dec’09 R$ Billions 24,262 Jun’13 11.6% 18 Portfolio and Market

Share Bradesco

Positioning

Payroll-Deductible Loans

Market Portfolio Bradesco Portfolio

PRIVATE PUBLIC

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Conclusions

Diversified and multichannel model based on inside and outside branches

network

Segmented structure to better serve and capture our costumers needs

Independent credit structure, however with dedicated segment orientation

Delinquency under control in all business segments

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202020 ‹nº›‹nº›‹nº›

Conclusions

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Strategic products mix seeking a better risk and reward balance

Local credit card market keeping an accelerated growth outlook expectation

Qualified vehicles portfolio with balanced strategic positioning focusing on

sustainable growth with profitability

Relevant Payroll-Deductible Loans market with great growth potential. The

Bradesco´s distribution model via branches and correspondent network is suitable to capture this potential.

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