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    BBDC4   BRBBDCACNPR8

BANCO BRADESCO S.A.

(BBDC4)
  Report
End-of-day quote. End-of-day quote Bolsa de Valores de Sao Paulo - 05/13
24.66 BRL   +2.32%
05/06BANCO BRADESCO : Q1 Earnings Snapshot
AQ
05/05BANCO BRADESCO S A  : Bradesco CEO says Brazilian lender's loan defaults under control
RE
05/05BANCO BRADESCO S A  : Bradesco 1Q21 - Earnings Presentation
PU
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SummaryMost relevantAll NewsOther languagesPress ReleasesOfficial PublicationsSector news

Banco Bradesco S A : Reference Form 2020

03/17/2021 | 01:42pm EDT

Historical resubmission

Version

Reasons for resubmission

Date of change

V2

Amendments to item 12.5/6

July 1st, 2020

V3

Amendments to itens 12.5/6 and 12.10

September 21, 2020

V4

Amendments to item 12.7/8

November 11, 2020

V5

Amendments to item 12.5/6

December 11, 2020

V6

Amendments to itens 12.5/6, 12.10 and 12.12

December 18, 2020

V7

Amendments to itens 12.5/6, 12.10 and 12.12

January 5, 2021

V8

Amendments to itens 12.5/6, 12.7/8, 12.9, 12.10 and 12.12

January 18, 2021

V9

Amendments to itens 12.7/8 and 12.12

January 18, 2021

V10

Amendments to item 12.5/6 and 12.10

January 20, 2021

V11

Amendments to item 12.7/8 and 12.12

February 3, 2021

V12

Amendments to itens 11.1, 11.2, 12.5/6 and 12.12

February 11, 2021

V13

Amendments to itens 12.5/6 and 12.12

February 18, 2021

V14

Amendments to itens 12.5/6, 12.7/8 and 12.10

March 8, 2021

V15

Amendments to itens 12.5/6, 12.10 and 12.12

March 16, 2021

Summary

  • 1. INDIVIDUALS RESPONSIBLE FOR THE FORM ......................................................................................... 8

    1.1 - DECLARATION AND IDENTIFICATION OF THE INDIVIDUALS IN CHARGE ............................................................ 8

    1.1 - CEO'S STATEMENT .................................................................................................................................. 9

    1.2 - INVESTOR RELATIONS OFFICER'S STATEMENT ......................................................................................... 10

    1.3 - STATEMENT OF THE CEO / INVESTOR RELATIONS OFFICER ...................................................................... 11

  • 2. INDEPENDENT AUDITORS ........................................................................................................................ 12

    2.1/2.2 - IDENTIFICATION AND REMUNERATION OF AUDITORS ............................................................................ 12

    2.3 - OTHER RELEVANT INFORMATION .............................................................................................................. 12

  • 3. SELECTED FINANCIAL INFORMATION .................................................................................................... 13

    3.1 - FINANCIAL INFORMATION - CONSOLIDATED .............................................................................................. 13

    3.2 - NON-GAAP EARNINGS ........................................................................................................................... 13

    3.3 - SUBSEQUENT EVENTS TO THE LATEST FINANCIAL STATEMENTS ................................................................. 13

    3.4 - INCOME ALLOCATION POLICY ................................................................................................................... 17

    3.5 - DIVIDEND PAYOUTS ................................................................................................................................. 19

    3.6 - DECLARATION OF DIVIDENDS TO THE WITHHELD PROFITS OR THE RESERVES ACCOUNT ............................... 21

    3.7 - LEVEL OF INDEBTEDNESS ........................................................................................................................ 21

    3.8 - OBLIGATIONS ......................................................................................................................................... 21

    3.9 - OTHER RELEVANT INFORMATION .............................................................................................................. 22

  • 4. RISK FACTORS ........................................................................................................................................... 23

    4.1 - DESCRIPTION OF RISK FACTORS .............................................................................................................. 23

    4.2 - DESCRIPTION OF THE MAIN MARKET RISKS ............................................................................................... 39

    4.3 - NON-CONFIDENTIAL AND RELEVANT LITIGATION, ARBITRATION OR ADJUDICATORY PROCEEDINGS ................ 43 4.4 - NON-CONFIDENTIAL AND RELEVANT LITIGATION, ARBITRATION OR ADJUDICATORY PROCEEDINGS WHOSE APPELLEES ARE ADMINISTRATORS, FORMER ADMINISTRATORS, CONTROLLERS, FORMER CONTROLLERS OR

    INVESTORS ...................................................................................................................................................... 52

    4.5 - CONFIDENTIAL RELEVANT PROCEEDINGS .................................................................................................. 52

    4.6 - NON-CONFIDENTIAL AND RELEVANT JOINT LITIGATION, ARBITRATION OR ADJUDICATORY PROCEEDINGS,

    RECURRING OR ANCILLARY ............................................................................................................................... 52

    4.7 - OTHER RELEVANT CONTINGENCIES .......................................................................................................... 53

    4.8 - RULES OF THE COUNTRY OF ORIGIN AND THE COUNTRY WHERE THE SECURITIES ARE GUARDED .................. 53

  • 5. RISK MANAGEMENT AND INTERNAL CONTROLS ................................................................................ 54

    5.1 RISK MANAGEMENT POLICY ........................................................................................................................ 54

    5.2 - MARKET RISK MANAGEMENT POLICY ........................................................................................................ 61

    5.3 - DESCRIPTION OF THE INTERNAL CONTROLS ............................................................................................. 64

    5.4 - INTEGRITY PROGRAM .............................................................................................................................. 66

    5.5 - SIGNIFICANT CHANGES ............................................................................................................................ 70

    5.6 - OTHER RELEVANT INFORMATION - RISK MANAGEMENT AND INTERNAL CONTROLS ....................................... 70

  • 6. ISSUER'S HISTORY .................................................................................................................................... 71

    6.1 / 6.2 / 6.4 - ESTABLISHMENT OF THE ISSUER, TERM OF DURATION AND DATE OF REGISTRATION AT THE CVM .71

    6.3 - BRIEF HISTORY ...................................................................................................................................... 71

    6.5 - BANKRUPTCY INFORMATION FOUNDED ON RELEVANT VALUE OR JUDICIAL OR EXTRAJUDICIAL RECOVERY ..... 72

    6.6 - OTHER RELEVANT INFORMATION .............................................................................................................. 72

  • 7. ISSUER'S ACTIVITIES ................................................................................................................................ 73

    7.1 - DESCRIPTION OF THE MAIN BUSINESS ACTIVITIES OF THE ISSUER AND ITS SUBSIDIARIES ............................. 73

    7.2 - INFORMATION ON OPERATING SEGMENTS ................................................................................................. 73

    7.3 - INFORMATION ON PRODUCTS AND SERVICES RELATING TO THE OPERATIONAL SEGMENTS ........................... 77

    7.4 - CUSTOMERS RESPONSIBLE FOR MORE THAN 10% OF THE TOTAL NET REVENUE ....................................... 101

    7.5 - RELEVANT EFFECTS OF THE STATE REGULATION OF ACTIVITIES ............................................................... 101

    7.6 - RELEVANT REVENUES COMING FROM FOREIGN COUNTRIES ..................................................................... 133

    7.7 - EFFECTS OF FOREIGN CONTROL ON ACTIVITIES ...................................................................................... 133

    7.8 - SOCIO-ENVIRONMENTAL POLICIES .......................................................................................................... 133

    7.9 - OTHER RELEVANT INFORMATION ............................................................................................................ 134

  • 8. EXTRAORDINARY BUSINESS ................................................................................................................. 135

    8.1 - EXTRAORDINARY BUSINESS ................................................................................................................... 135

    8.2 - SIGNIFICANT ALTERATIONS IN THE ISSUER'S MANNER OF CONDUCTING BUSINESS ..................................... 135

    8.3 - SIGNIFICANT CONTRACTS NOT DIRECTLY RELATED TO OPERATING ACTIVITIES ENTERED INTO BY THE ISSUER

    OR BY ITS SUBSIDIARIES ................................................................................................................................. 135

    8.4 - OTHER RELEVANT INFORMATION ............................................................................................................ 135

  • 9. RELEVANT ASSETS ................................................................................................................................. 136

    • 9.1 - RELEVANT NON-CURRENT ASSETS - OTHERS ......................................................................................... 136

    • 9.2 - OTHER RELEVANT INFORMATION ............................................................................................................ 138

  • 10. OFFICERS' NOTES ................................................................................................................................. 141

    10.1 - GENERAL FINANCIAL AND EQUITY CONDITIONS .................................................................................... 141

    10.2 - FINANCIAL AND OPERATING INCOME ..................................................................................................... 163

    10.3 - EVENTS WITH RELEVANT EFFECTS, OCCURRED AND EXPECTED, IN THE FINANCIAL STATEMENTS .............. 165

    10.4 - SIGNIFICANT CHANGES IN ACCOUNTING PRACTICES - CAVEATS AND EMPHASIS IN THE AUDITOR'S

    OPINION 166

    10.5 - CRITICAL ACCOUNTING POLICIES ......................................................................................................... 174

    10.6 - RELEVANT ITEMS NOT EVIDENCED IN THE FINANCIAL STATEMENTS ......................................................... 176

    10.7 - COMMENTS ON OTHER ITEMS NOT EVIDENCED IN THE FINANCIAL STATEMENTS ....................................... 177

    10.8 - BUSINESS PLAN .................................................................................................................................. 177

    10.9 - OTHER FACTORS WITH RELEVANT INFLUENCE ....................................................................................... 178

  • 11. PROJECTIONS ........................................................................................................................................ 179

    • 11.1 - DISCLOSED PROJECTIONS AND ASSUMPTIONS ...................................................................................... 179

    • 11.2 - MONITORING AND CHANGES TO THE DISCLOSED PROJECTIONS .............................................................. 181

This is an excerpt of the original content. To continue reading it, access the original document here.

Disclaimer

Banco Bradesco SA published this content on 17 March 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 17 March 2021 18:41:04 UTC.


© Publicnow 2021
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Sales 2021 110 B 20 669 M 20 669 M
Net income 2021 24 523 M 4 620 M 4 620 M
Net Debt 2021 - - -
P/E ratio 2021 9,75x
Yield 2021 5,09%
Capitalization 225 B 42 478 M 42 355 M
Capi. / Sales 2021 2,05x
Capi. / Sales 2022 1,82x
Nbr of Employees 77 684
Free-Float 63,0%
Chart BANCO BRADESCO S.A.
Duration : Period :
Banco Bradesco S.A. Technical Analysis Chart | BBDC4 | BRBBDCACNPR8 | MarketScreener
Technical analysis trends BANCO BRADESCO S.A.
Short TermMid-TermLong Term
TrendsBullishNeutralNeutral
Income Statement Evolution
Consensus
Sell
Buy
Mean consensus BUY
Number of Analysts 16
Average target price 30,58 BRL
Last Close Price 24,66 BRL
Spread / Highest target 56,9%
Spread / Average Target 24,0%
Spread / Lowest Target -3,05%
EPS Revisions
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NameTitle
Octávio de Lazari Chief Executive Officer
Samuel Monteiro dos Santos Independent Director
Walter Luis Bernardes Albertoni Independent Director
João Aguiar Alvarez External Director
Denise Aguiar Alvarez Valente External Director
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