Bradesco 3Q21 - Economic and Financial Analysis Report

Table of Contents

Report on

Economic and

Financial Analysis

3Q21

3

Table of Contents

1 -	Managerial Analysis of Results	5
3Q21 Highlights	6
Press Release	7
Main Information	8
Summarized Analysis of Recurring Income	9
Net Interest Income	11
Loan Portfolio	12
Expenses with Expanded ALL	17
Renegotiation and Extension	18
Loan Indicators	19
Main Funding Sources	21
Fee and Commission Income	22
Operating Expenses	24
Dynamics of the Insurance Business	26
Income from Insurance	27
Revenue and Operating Income from Insurance	28
Technical Provisions and Insurance Activity Indicators	29
Insurance - Income by Segments	30
Income and Basel Ratio	32
Indicators, Guidance and Economic Perspectives	33
2 -	Additional Information	35
Corporate Strategy and 100% Client	36
NPS		37
Digital Channels / BIA	38
next		39
Ágora	40
Highlights	42
Service Network	44
Service Points and Clients	45
Market Share	46
Return to Shareholders	47
Sustainability	48
Additional Information	50
Covid-19 Pandemic	55
Selected Information - History	56
Consolidated Balance Sheet - Bradesco	57
Consolidated Balance Sheet - Insurance	58
Analytical Breakdown of Statement of Income	59
3 -	Independent Auditor's Report	61
Limited Assurance Report on the process of compilation and presentation on the
Consolidated Supplementary Accounting information included within the Economic	62
and Financial Analysis Report
4 -	Consolidated Financial Statements	65
5 -

3

Some numbers included in this Report have been subjected to rounding adjustments.

As a result, some amounts indicated as total amounts in some charts may not be the arithmetic sum of the preceding numbers.

Percentage variations not presented in the framework of this report, are related, in their majority, to the low value balances

compared with the other periods presented.

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3Q21 Highlights

Managerial Analysis

of Results

6