BrazilianCredit CardMarket and Bradesco Cartões. April 2016

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1 BrazilianCredit CardMarket and Bradesco Cartões April

2 Agenda I. Brazilian Credit Card Market II. Bradesco Cartões 2

3 Cards billings growth (Credit + Debit) Cards market has grown on average 20% annually over the past 10 years Cards Billings: Credit + Debit (R$ billion) Temporary growth deceleration Expansion was only possible because of: High investment in infrastructure YoY 15-16E 16E: : 5.5% / 7.5% 15 16E Competitive business model Banking and financial inclusion Diversified products ,080 1, E Source: ABECS 3

4 Compared to other countries, Brazil still has a lot of room for growth Credit cards importance on Brazilian household consumption (%) Importance of Credit Cards in Brazil 19% 21% 23% 24% 26% Brasil 28% Brasil 28% 30% 33% França 35% 37% 39% 42% EUA Reino Unido 43% 45% 46% 48% 49% 51% Coréia do Sul Canadá Source: Brazil, ABECS andibge. Other countries: BIS 4

5 Universal bank Serve all client segments Fortress distribution channels Fortress balance sheet Distribution channels Strong brand awareness Product mix Bradesco Cartões Distribution channels Product mix Value chain Value chain Indivuduals Legal entities More than 20 partnerships: Private Bank Corporate Prime Retail Empresas Retail SME FPS 4,507 Branches 3,511 Service Points (PAs) 5

6 Bradesco Cartões High value-added solutions Bradesco Cartões and the payments value chain AFFILIATION, CAPTURE, PROCESSING AND SETTLEMENT! LARGEST PREPAID COMPANY OF AMERICA! OUR NATIONAL BRAND 1 o Leader in the Brazilian acquiring industry with a market value of R$ 65 billion approximately 1 o Leader in the prepaid benefit cards market with the most comprehensive acceptance network 3 o of Brazil! With Elo all the royalties currently exported to other countries and the operation know-how remains in Brazil! DIGITAL WALLET PRACTICAL AND SAFE LOYALTY AND SATISFACTION AMONG TOP 10 BRAZIL E- COMMERCE Bradesco innovates and search for solution that contributes to the 1 o Livelo represents a strength combination to enable actions Partnership with top national market retail advance of the market. and offers that generate greater value for our customers and partners! 6

7 Bradesco Cartões Shareholder structure 30.1% 50.1% 49.9% 28.7% 33.3% 66.7% 100% 100% 70% 30% 7

8 Bradesco Cartões subsidiaries Corporate Governance Best corporate governance practice within Bradesco Cartões Main committees Listed company Board of Directors Personnel Committee Audit Committee Corporate Governance Fiscal Council Sustainability Committee Board Support Committee 8

9 Return to shareholders Bradesco Cartões Cielo Corporate Governance Commitment to transparency Practices that exceed the requirements of BM&FBovespa Ethical and sustainable behavior Efficiency and high quality of results Create value on long term Bradesco s share in Cielo: 30.1% The interests of its directors are in the best interests of its shareholders, especially minority shareholders Jun-09 Sep-09 Dec-09 Mar-10 Jun-10 Sep-10 Dec-10 Mar-11 Jun-11 Sep-11 Dec-11 Mar-12 Jun-12 Cielo Sep-12 Dec-12 Mar-13 Jun-13 Sep-13 Ibovespa Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16

10 Portfolio of simple and complete solutions, ranging from benefit cards to prepaid cards The leader in benefit cards in Brazil Workers' Food Program (PAT) Market share in 2014 Benefit/voucher cards Pre-paid cards Others, 16.1% Alelo, 30.9% Food Cultural options Prepax Player 3, 23.7% Player 2, 29.3% Meals Fluel Moneycard FLEX CAR ~ R$500 million of net Christmas meals Transport voucher income in

11 Elois already the 3 rd largest brand in Brazil Issued Cards Active merchants (# millions) (# thousands) 11 CAGR : : 99% CAGR : : 38% 1,450 1,160 2, Purchase transactions (# millions) Transactions volume (R$ million) CAGR : : 221% ,050 1,397 CAGR : : 236%

12 New credit cards Upper scale segment DIFFERENTIADED REWARDS AND ENCHANCED POINTS ACCUMULATION MEET THE NEEDS OF THE MOST SOPHISTICATED SEGMENTS ELO acceptance network will expand to 185 countries Will be able to purchase in over 35 million merchants 12 And make withdraws in a network of 1.7 million ATMs

13 One of the largest (worldwide) independent and open loyalty program by coalition Diverse group of relevant and strategic partners (generation and rescue of benefits) Joint venture of Bradesco and Banco do Brasil Bradesco Cartões Livelo Customer experience Efficiency Upside User-friendly Value to customers Convenience and security New channels Customization Quickly and efficiently Main rescue partners cost per point (US$/points) + Customer intelligence + Economies of scale 13 Strong fundamentals Management team Shareholders Scarcity value Potential for IPO

14 Increase importance of cards in Bradesco s income Cards fee and commission income / Bradescofee and commission income % 9, % 29.5% 31.4% 33.5% 34.4% 36.2% 36.8% 38.7% 8, % 7,165 6, % 19.8% 17.7% 5,096 4,202 3,423 3,035 2,449 1,758 1,076 1,301 Cards fee and commission income / Card billings % in 2015 Total cards commission 6.9% 4.8% 4.3% Competitor A Competitor B Excluding acquiring income 4.4% 2.5% 2.4% Competitor A Competitor B

15 Bradesco Cartões Value creation Corporate Governance Consistency Strategy & Management Sustainable growth Long term value creation Profitability & return 15

16 Thank you! 16

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