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

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2 Consumer Credit Main Products PERSONAL LOANS OVERDRAFT FACILITIES REAL STATE LENDING AND MORTGAGE Checking Account Holders Non Checking AccountHolders VEHICLES FINANCING CARDS Payroll DEDUCTIBLE LOANS 2 nº 2

3 Consumer Credit Client Segmentation individuals 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 Exclusive Individuals Small Business Monthly income up to R$ 4 thousand Bradesco Expresso e PA 3 nº Source: june 14 3

4 Consumer Credit Checking Account Holders Distribution Network Physical Distribution Network Prime Branches 304 Retail Branches 4,265 4 nº PA e PAE 4,672 Bradesco Expresso 48,186 4

5 Consumer Credit Checking Account Holders Distribution Network Mobility and Others Service Channels Internet Banking ATM s Fone Fácil Mobile Banking 5 nº 5

6 Consumer Credit Mobility and Others Channels In R$ Milhões Transactions ATM Call Center 4,429 5,126 5,234 5,552 5, % % Proj' * Proj' * 842 Internet 1,185 1,530 2,255 1,944 16% Mobile % Proj' * Proj' * 6 nº (*) Forecast 6

7 Consumer Credit Non Checking Account Holders Não Distribution CorrentistasNetwork Affiliates Government Employee Employees of Private companies Channels 12,790 Dealers 1,949 Correspondent Banks More than 30 Partnerships Telemarketing Internet 7 nº 7

8 Consumer Credit Portfolio Breakdown by Product - Individuals Jun 12 17% 8% 17% 13% 29% 3% 14% R$ 112 Bi 21% Jun 13 20% 9% 17% 13% 24% 3% 14% R$ 123 Bi 10% Jun 14 21% 12% 18% 12% 19% 3% 16% R$ 135 Bi Payroll-Deductible Loans Mortgage Credit Card Personal Loans Auto Loan Overdraft Facilities Others 8 nº 8

9 Delinquency Bradesco Individuals Saldo acima de 90 dias de atraso (%) Over 90 (%) H'14 9 nº 9

10 Credit Cards Integrated Card Business Bradesco creates value and participates in the entire value chain of the cards industry Issuer Private Label Associated Companies Shareholding Bradesco Bandeira 33.33% 50.01% Participações 50.01% 50.01% 28.65% USF % Livelo 50.01% MPO 50.0% ShopFácil 80.0% Fidelity 49.00% nº 10 Companies that are part of theholding Elo 10

11 Credit Cards Performance 1 st Semester Credit Card Billings (R$ Billions) % H 13 1H 14 Credit Card Portfolio (R$ Billions) Service Revenues (R$ Millions) 5% 12% 34.7 Jun Jun 14 3,421 3,818 1H 13 1H 14 nº 11 11

12 Credit Cards International Comparison 22% 24% 27% 28% 30% Brazil 32% Participation on household consumption 44% 46% 48% 50% 40% 42% 34% 36% 38% French USA UK 51% Australia 52% 53% 54% South Corea 55% 56% Reino Unido Canada nº 12 Source: ABECS,IBGE e BIS 12

13 Credit Cards Market Growth R$ Billions Card Billings: Credit + Debit 1,475 1, ,017 1, * 2014* 2015* 2016* 2017* nº 13 Source: ABECS / (*) Forecast 13

14 Vehicles Financing Positioning R$ Billions Market Share new bookings % Ranking New Bookings ( Jun 14 ) 13,8% 14,3% 14,6% 14,6% 1 st 2 nd 2 nd 3 th 1ºT 14 Apr 14 May 14 Jun 14 Heavy Vehicles New Cars Motor cycles Used Cars Obs.: Participation of Vehicles in Total Portfolio Individuals = 19% (2Q 14) nº 14 14

15 % 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% Vehicles Financing Estrategy Main Indicators Average Loan (Thousand R$) % Average Down Payment % 41% 37% 32% 26% Average Term (months) H14 2º Tri nº 15 15

16 Vehicles Financing Positioning Partnerships Since 2003 Since 1997 Since 2009 nº 16 16

17 Payroll-Deductible Loans R$ Millions Market Portfolio 69.4% 70.0% 67.2% 67.6% 66.7% 67.7% 23.3% 24.6% 25.4% 27.3% 68.6% 29.2% 29.8% 31.4% 107, , , , , , ,037 Dec 09 Dec 10 Dec 11 Dec 12 Jun 13 Dec 13 Jun 14 Portfolio Payroll Deductible Loans Payroll Loans as % of Personal Loans Payroll Loans as % of Personal Loans Free Resources nº 17 17

18 Payroll-Deductible Loans Positioning R$ Millions Portfolio and Market Share Bradesco 8.8% 11.0% 11.2% 11.0% 11.6% 12.1% 12.1% 9,450 15,008 17,807 20,757 24,262 26,786 28,727 Dec 09 Dec 10 Dec 11 Dec 12 Jun 13 Dec 13 Jun 14 Bradesco Market Share R$ Billions Market Portfolio Bradesco Portfolio nº 18 INSS PRIVATE PUBLIC INSS PRIVATE PUBLIC 18

19 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 Continuous growth with proper control and profitability nº 19 19

20 Conclusions 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. nº 20 20

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