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Bradesco Presentation

Bradesco Presentation. 11/17/2003. Highlights (As of September 2003). Results - Breakdown by Activities. US$ Million. Total Assets Net Worth Net Income ROAE Pay Out BIS Ratio. 52,223 4,436 544 18.2% 56.6% 18.4%*. 68.0%. 3.5%. 28.5%.

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Bradesco Presentation

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  1. Bradesco Presentation 11/17/2003

  2. Highlights (As of September 2003) Results - Breakdown by Activities US$ Million Total Assets Net Worth Net Income ROAE Pay Out BIS Ratio 52,223 4,436 544 18.2% 56.6% 18.4%* 68.0% 3.5% 28.5% (*) Considering the last Subordinated Debt of US$ 500 million issued in October, this Ratio would reach 19.9% Banking Insurance Others

  3. Total Resources R$ Million 255,026 80,816 94,320 120,562 147,875 169,158 207,054 90,663 64,269 59,042 52,997 164,363 40,238 26,982 19,681 142,785 110,116 94,878 80,324 67,338 61,135 97' 98' 99' 00' 01' 02' Set-03 Asset Management Total Assets

  4. Loan Portfolio x BIS Ratio R$ Million 60,000 50,801 44,444 52,776 50,000 38,872 27,559 40,000 26,311 25,201 30,000 17.9% 18.3% 20,000 17.6% 15.4% 18.4% 15.6% 13.3% 10,000 0 97' 98' 99' 00' 01' 02' Set-03 Loan Book BIS Ratio

  5. Banking Perspectives in Brazil • Consolidation and Privatization • Consumer Finance • Margin Squeeze • Bank Insurance • Clients • Technology

  6. Bradesco´s Perspectives • Loan Book and Asset Quality • Postal Service Distribution Network • Finasa • Insurance and Pension Plans • Fee Income • Cost Integration

  7. Internal Agenda • Segmentation : Concluded • Incorporations : Concluded on 05/19 Concluded on 09/22 To be Concluded on 1Q04

  8. Contacts Investor Relations Area Phones: Email : 4260.jean@bradesco.com.br 4260.bernardo@bradesco.com.br 4260.andressa@bradesco.com.br 4260.luciano@bradesco.com.br 55 - 11 - 3684-9229 3684-9302 3684-2086 3684-9231 This presentation contains forward-looking statements. Such statements are not statements of historical fact, and reflect the beliefs and expectations of the Company's management. The words "anticipates", "believes", "estimates", "expects", "forecasts", "intends", "plans", "predicts", "projects", "targets" and similar words are intended to identify these statements, which necessarily involve known and unknown risks and uncertainties. Known risks and uncertainties include, but are not limited to, the impact of competitive services and pricing, market acceptance of services, service transitions by the Company and its competitors, regulatory approval, currency fluctuations, changes in service mix offered, and other risks described in the Company's registration statement and other Securities and Exchange Commission filings. Forward-looking statements speak only as of the date they are made, and Banco Bradesco does not undertake any obligation to update them in light of new information or future developments.

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