Madrid

1
Banco Bradesco Presentation
Madrid
November, 15th 2001
2
Banking Concentration in Latin America
2000
1994
Top 10 Banks in Brazil
December 1994
June 2001
Banco do Brasil Bradesco CEF Itaú Santander Uniban
co ABN Amro Bank Boston Safra HSBC R 906,480 M
Banco do Brasil CEF Banespa Bradesco Itaú Bamerind
us Nacional Unibanco Real BCN R 375,201 M
72.8
Brazil
63.5
94.7
Mexico
88.0
Chile
75.8
72.7
69.7
Argentina
57.2
Total Assets
(In )
Source Austin Asis
3
Rankings
Source Criteria
Ranking

• The Banker Net Worth
  88th (World) 1st (Latin
  America) 1st (Brazil)
• Forbes General
  187th (World)
• Fortune Revenues
  48th (World)
• Euromoney Net Worth
  110th (World)
• Latin Finance Total Assets
  3rd (Latin America)

4
Management Goals

• Add Value to our Shareholders, Clients,
  Employees, as well as to the whole Society
• Pursue the most comprehensive platform of
  products and financial services in Brazil
• Anticipate demands and provide solutions through
  the state-of-the-art technology

5
Distribution Network
September 2001
NORTH 4
Bradesco BCN Continental Branches Mini
Branches
3,543 328 38 3,909
NORTHEAST 17
MIDDLEWEST 9

SOUTHEAST 56
ATMs
19,504
SOUTH 14

• 20.4 of the CPMF tax
• 40 Market Share in Billing Collection

6
Economy of Scale
In millions, except Branch Network,in thousands
11.3
10.8
3.31
8.7
2.13
6.3
Clients CAGR 14
2.43
5.8
5.5
5.2
2.57
2.58
2.21
2.16
Branches CAGR 5
1.89
1.86
1.08
Internet Clients CAGR 142
0.58
0.22
0.05
Sept. 01
00
99
98
97
96
95
7
Client Base
(In Millions)
11.3
10.8
8.7
29.4
6.3
19.6
5.8
5.5
12.4
9.1
3.8
0.9
96
97
98
99
Sept. 01
00
of Internet Bank Clients
Banco Bradesco is the third largest Internet Bank
in the World
8
Products per Client
Sept. 01
The acquisition of new clients costs 7 - 10 times
more than a banks own client base ... ... Only
35 of clients that purchase 1 product are
retained for more than 1 year... ... but 85 of
clients that purchase 4 - 5 products each
maintain their relationship with a bank for more
than four years.
9
Fee Income / Personnel Expenses
(In )
Sept. 01
10
NIM X Fee Income
In R Millions
10,000
4,000
9,285
9,000
7,780
3,500
7,380
8,000
3,465
3,000
6,087
7,000
3,043
2,500
6,000
4,447
5,000
2,000
4,147
3,948
2,100
4,000
1,775
1,500
1,446
3,000
1,000
1,165
2,000
1,014
500
1,000
0
0
95
96
97
98
99
Sept. 01
00
Net Interest Margin (CAGR 16)
Fee Income (CAGR 25)
Annualized
11
Efficiency Ratio
(In )
Sept. 01
12
Combined Ratio
(In )
Sept. 01
13
Breakdown by Activity
September 2001
(In R Millions)
Insurance Private Pension Funds Premium Bonds
Banking
Others
Consolidated
1,358(1,048) 37 (219)
(346) (520)
22112 320 (93) (119)
4
5,573 (4,013) 2,599 (2,493)
(2,540) (1,579)
4,193(3,077) 2,242 (2,181) (2,075)
(1,063)
Income From Financial Intermediation Other
Operating Revenues / Expenses Fee Income
Personnel Expenses Other Administrative
Expenses Other Revenues / Expenses Net
Income In
1,116
310
134
1,560
72
20
100
8
14
Recurring ROE

(In - Annualized)
Sept. 01
15
Investor Relations Area
Email 4260.jean_at_bradesco.com.br
4260.bernardo_at_bradesco.com.br
4260.andressa_at_bradesco.com.br
4260.luciano_at_bradesco.com.br Phone
55 - 11 - 3684-9229
3684-2086
3684-9302
3684-9231 www.bradesco.com.br
This presentation contains forward-looking
statements. Such statements are not statements
of historical facts, 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
approvals, 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.