Octavio de Lazari Jr.

CEO

André Cano

Executive Vice-President

Vinicius Albernaz

CEO Bradesco Seguros

Leandro Miranda

Executive Officer and IRO

Carlos Firetti

Director and Head of IR

Second quarter2020R e s u l t s

Economic scenario

remains challenging,but the worst moment apparently has passed. We expect a fall in the GDP of

4.5% in 2020

Our loan portfolio grew 0.9% in the

quarter and 14.9% in 12 months

Anticipation of the crisis effects with the strengthening

of provisions in the Bank and Insurance Group

Highlights2Q20

2

We have extended

R$61 billion in loan operations

Liquidity continued expanding and the level I capital index

increased 1.1 p.p.

Strong cost control allowed a reduction in 3.0% in operating expenses in the 1H20

Performance during thePandemic

Commitment tosociety

Donations to fight the pandemic

Supporting ourcustomers

R$61 billion in extended loans

1.9 millioncontractsextended

94% of office staff

and 50% of the branches staff in home office

Rapid tests availablefor 100% of the employees

Health and well-beingof our people

Participation in the

Government Programs

Viva BemProgram and Telemedicine for 100% of the employees

3

5 million rapid tests

15 million masks

30 CTS in additionto other equipmentin participation with Itaúand Santander

Construction of the Field Hospital (RJ)

Deployment of theField Hospital in Salvador

500 multiparametermonitors

42 thousand Tests –COVID-19, forthe communities

Support in the Production of low-cost ventilators

150 thousand basic food baskets for the municipal communities

255% in opening of new accounts via Mobile App

Digital Channels

Fall of 67% in teller transactions in 2Q20

Increase of 964 thousandaccount holders with digital profile in the total base in the quarter

4

Intensification of the Mobile Use

33% increase in the mobile transactions

19% increase in the mobile + internet transactions

4,119

4,489

4,916

2Q19 1Q20 2Q20

2,755 3,1273,652

2Q19 1Q20 2Q20

Mobile Transactions Million

66.4

134.4

235.7

2Q19 1Q20 2Q20

Opening of accounts via Mobile AppIn thousand

59.348.1

16

2Q19 1Q20 2Q20

Teller TransactionsMillion

16.4

17.6

18.5

2Q19 1Q20 2Q20

Account holders with Digital ProfileMillion

33%

19%

Mobile + Internet TransactionsMillion

75%

255%

17%

10%

13%

-73%

-67%

5%

15.117.3 18.7

2Q19 1Q20 2Q20

Mobile UsersMillion

24%

8%

Ágora and next

367 k clients449+22.4%

+85k new clients

Opening ofaccounts(montlhyvolume)

Dec 2019 Jun 2020

R$46.9billion in stock

Growth of the client base

Ágora & next partnership

Investment houseof next

Integration between Apps and journey of registration facilitated

Expectationof 650+ thousandnew registers

Increment in the fundingVision: volume under custody

R$50.6+7.7% ytd

5

Jan-19

Actual

4.7

4.4

4.0

4.4

1H19 1H20

144

296

105%

App Store

76%non-account holders of Bradesco

77.6NPS

+112%

TransactionMillion

Active Accounts

7,964

16,913

Dec-19 Jun-20

500 thousand

2.7 million

~3.5 million

Dec-18 Jun-20 Dec-20*

Jan-19

Actual

20.6

11.7 11.9

2Q19 1Q20 2Q20

133.6

129.5

135.1

2Q19 1Q20 2Q20

Financial Highlights

ROE %

6

1.1% y/y 4.3% q/q

8.7pp y/y 0.2pp q/q

Shareholders’ EquityR$ billion15.3%y/y

NII

3.2% q/q

Net Income

5.5% y/y

OperatingExpenses

154.9% y/y

ExpandedAllowance for Loan Losses (ALL)

¹Includes the results of capitalization

Variation %

2Q20 6M202Q20

x 1Q202Q20

x 2Q196M20

x 6M19R$ million

Net Interest Income 16,684 31,183 15.1 15.3 9.2

Expanded Allowance for Loan Losses (ALL) -8,890 -15,598 32.5 154.9 120.0

Gross income from financial intermediation 7,794 15,585 - (29.0) (27.4)

Income from insurance, pension plans and capitalization bonds¹

3,778 6,709 28.9 5.1 (9.6)

Fee and Commission Income 7,626 15,909 (7.9) (7.9) (2.7)

Operating Expenses -11,459 -23,216 (2.5) (5.5) (3.0)

Tax Expenses and Equity in the earnings (losses) of unconsolidated and jointly controlled subsidiaries

-2,035 -3,886 9.9 20.7 14.6

Operating Income 5,704 11,101 5.7 (36.9) (38.0)

Non-operating Income/Non-controlling Interests -84 -129 - - -

IT/SC (Income Tax/Soc. Contrib.) -1,747 -3,346 9.3 (31.1) (34.9)

Recurring Net Income 3,873 7,626 3.2 (40.1) (40.0)

Expanded Loan Portfolio

18.2% y/y

LargeCorporates

14.2% y/y

Payroll-deductible Loans

7%

Total

y/y

Companies

y/y12%

7

100

118107

2Q19 1Q20 2Q20

100128

112

2Q19 1Q20 2Q20

Loan Originationper business day

Individuals

y/y-2%

100 102 98

2Q19 1Q20 2Q20

18.8%y/y

Real EstateFinancing

Variation % % Total

Jun-20Jun-20 x

Mar-20

Jun-20 x

Jun-19

Jun-20R$ million

Companies 425,111 2.2 16.4 64.3

Large corporates 310,224 4.5 18.2 46.9

Micro, Small and Medium-Sized Enterprises 114,887 (3.6) 11.7 17.4

Individuals 236,004 (1.3) 12.3 35.7

Payroll-deductible Loans 65,448 0.2 14.2 9.9

Real Estate Financing 49,049 6.2 18.8 7.4

Credit Cards 35,074 (11.2) 0.8 5.3

Vehicles Financing 28,292 (4.0) 8.7 4.3

Personal Loans 29,174 (1.6) 22.1 4.4

Other 28,967 (0.5) 8.2 4.4

Total of Expanded Loan Portfolio 661,115 0.9 14.9 100.0

Without exchange variation 0.6 12.4

8

Funding & Loans

-13.1

83.2

6M19 6M20

Net fundingR$ billion

R$24.1biRelease of reserve requirements in Mar/20

R$38.0biGrowth of the Bacen Portfolio in 2020

1- Does not considers debentures

Variation %

Jun-20Jun-20 x

Mar-20

Jun-20 x

Jun-19 R$ million

Funding vs. Loans

Demand Deposit + Sundry Floating 49,402 20.3 34.2

Savings Deposit 123,270 9.0 13.6

Time Deposit + Debentures 335,273 29.9 70.9

Funds from Financial Bills 150,996 (5.8) (5.3)

Customer Funds¹ 658,941 15.1 31.6

(-) Reserve requirements -80,949 22.8 (6.8)

(-) Available Funds (Brazil) -17,337 16.4 48.4

Customer Funds Net of Reserve Requirements 560,655 14.0 39.3

Borrowing and Onlending 54,500 (9.5) (5.2)

Other (Securities Abroad + Subordinated Debt + Other Borrower / Cards)

79,679 (2.6) 0.1

Total Funding (A) 694,834 9.6 28.8

Expanded Loan Portfolio (Excluding Sureties and Guarantees (B)

578,699 1.5 15.4

Loan to Deposit (B / A) 83.3% (6.7) p.p. (9.7) p.p.

Loan Portfolio Breakdown

9

Sectors most exposed to the impacts of the current crisis

0.6%Leisure andtourism

0.2%Airlinecompanies

Concentration among the largest debtors 1.9%

12.3 bi

10.7%

70.9 bi

17.2%

113.9 bi

27.7%

183.1 bi

34.8%

230.0 bi

93%Real

Exposure by currency Warranty Coverage(Bacen Portfolio)

59%WithGuarantee

Diversified loan

portfolio and with low

concentration in areas

of greater risk

risk (R$ billion)

risk / portfolio (%) Largest borrower 10 largest borrowers 20 largest borrowers 50 largest borrowers 100 largest borrowers

Outras

Vehicles Financing

Personal Loans

Credit Card

Real Estate Financing

Payroll-deductible Loans

Micro, Small and Medium-Sized Enterprises

Large corporates

4.4%

4.3%

4.4%

5.3%

7.4%

9.9%

17.4%

46.9%

Portfolio diversification by Segment

Provision based on quantitative models

Considers historical and prospective information, in addition to incorporating inputs from the Management

Reflects various scenarios, including adverse scenario

Specific + Generic ALL meets regulatory requirements

Complementary ALLreflects the expectation of future deterioration and uncertainties

10

Allowance for Loan LossesR$ billion

37.0 36.9 36.1 36.8

40.5

43.2

8.8% 8.6%8.2% 8.1%

8.5%9.0%

1Q19 2Q19 3Q19 4Q19 1Q20 2Q20

ALL Balance ALL Balance / Bacen Portfolio

Expanded Allowance for Loan Losses (ALL) ExpensesR$ billion

3.93.4 3.5 3.8 3.6 3.5 3.3

4.0

6.7

8.9

3.2%2.7% 2.7%

2.8%2.6% 2.5% 2.3%

2.6%

4.1%

5.4%

1Q18 2Q18 3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20

Expanded ALL Expanded ALL, Excluding Recovery Gains / Expanded Portfolio - Annualized Rate

R$3.5 bi

R$7.5 bi

Expanded ALL quarterly average

Provision for Credit Risk

ALL balance includes Specific, Generic and Complementary

Large Corporates

SMEs

3.63.3

3.7

3.0

1.61.3 1.5

1.2

Sep-19 Dec-19 Mar-20 Jun-20

1.9

0.8

1.2

0.5

1.0

0.1 0.20.2

Sep-19 Dec-19 Mar-20 Jun-20

4.33.7

4.5

3.1

1.91.4 1.8

1.3

Sep-19 Dec-19 Mar-20 Jun-20

Total

Excluding 100% provisioned

Over 90 days

Delinquency Ratio

11

Over 90 days

15-90 days

6.66.1

5.2 4.6 4.3

4.3

4.5 4.03.5

4.2

4.8

2.6

6.1

6.55.8 5.9

5.5 5.45.1

5.4 5.2 5.24.8

5.3 5.24.8 4.8

5.6

3.6

2.8

0.8

2.2

0.91.4

1.8

0.6

1.41.7 1.5

0.9 0.91.5

1.10.7

1.1

0.3

5.24.6 4.6

4.3 4.2 4.34.0 4.2 4.0 3.9

3.53.8 3.9

3.5 3.64.2

2.4

Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Micro, Small and Medium-Sized Enterprises Individuals Large Corporates Total

7.27.6

8.68.3

7.26.8 6.6

6.1

5.2

3.7 4.5 3.1

5.86.5

6.9 6.76.2

5.8 5.55.1

4.8

4.7 4.4 4.3 4.3 4.3 4.44.8 4.5

0.8

2.0

1.2

2.3

1.5 1.8 1.9 2.01.7 1.5 1.5

1.0 0.8

1.9

0.81.2

0.5

4.65.4 5.5 5.6

4.9 4.8 4.7 4.43.9 3.6 3.5 3.3 3.2

3.63.3

3.73.0

Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Individuals

NPL Creation

SMEs

Recurrent ALL Expenses vs. NPL Creation >90 days R$ billion

NPL Creation

4.0 4.5 3.8 4.55.8

3.7

7.0

2.2

4.9 4.56.3

4.3 4.5 4.6

7.48.7

121% 100%165%

96% 78%126% 105%

398%

3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20

NPL Creation - 90 days Gross ALL Expense – Recurrent Gross ALL Expense - Recurrent / NPL Creation 90 days

LargeCorporates

12

1T19 2Q19 3T19 4T19 1Q20

2.8 3.0 3.24.0

2.4

2Q19 3Q19 4Q19 1Q20 2Q20

0.3

1.5

-0.4

0.9

-0.3

1.4 1.4

0.9

2.1

0.1

2Q19 3Q19 4Q19 1Q20 2Q20

2Q19 3Q19 4Q19 1Q20 2Q20

Individuals

Large Corporates

SMEs

172% 171%161% 157% 158%

189%

Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

925%1142%

453%

1002%667%

1593%

Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

271% 258% 249% 283% 249%

375%

Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Over 90 days - per segment

Coverage Ratio

470% 474%

548%

517%

392%

481%

425%

602%

243% 245%

269% 267%

226% 245% 228%

299%

125% 125% 126%122%

116%120%

121% 124%

Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

excluding 100% provisioned over 90 days over 90 days + renegotiated

Coverage Ratio

13

Facing the Impacts of the Crisis – Extended Loans

93%No history of arrears in the last 12 months

14

14.0 yearsAverage time of relantionship

71%Withreal guarantee

96%Rating AA to C

ExtendedOperations – Jun/30

Number Of Operations:

1.9 million

Total balance:

R$61 billion12.8% of loanportfolio

Value ofinstallments:

R$8.2 billion

Working Capital

32%

Real Estate Financing

29%

Personal Loans

12%

Vehicles Financing

10%

BNDES

7%

Others

10%

Companies

50%

Individuals

50%

of the renegotiations in the 2Q20 were less than 90 days in arrears

16.9% 16.7% 19.0% 17.4%20.8%

11.5%

16.0%

Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

With the exclusion of portfolio sale / extension / denominator effect

Delinquency ratio over 90 days

4.5% 4.6%4.2% 4.2% 4.1%

4.8%

Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Renegotiated Loans / Loans

12.2 12.3 13.0 13.6 14.1

18.3

6.7 7.3 5.8 5.4 5.5

4.818.9 19.618.8 19.0 19.6

23.1

Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Originated from portfolio in write-off Originated from loan portfolio

Renegotiated Portfolio

R$ billion

15

Allowance for Loan Losses / Loans

Large Corporate

20%

SMEs

32%

Individuals

48%

80.3% 78.0%66.4% 66.8% 66.8% 68.2%

Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

65%

Portfolio Balance

Net Interest Income

R$ milhões

Variation %

2Q20 x 1Q20

2Q20 x 2Q19

6M20X 6M192Q20 6M20

Client Portion1 13,163 26,127 1.5 8.0 8.2

Market Portion2 3,521 5,056 129.4 54.2 14.6

Net Interest Income 16,684 31,183 15.1 15.3 9.2

Client Portion Variation2Q20 X 1Q20

Net Interest Margin

16

8.4%7.8%

7.0% 6.8% 6.9%

12.0%11.3%

10.6%10.0%

9.5%

1Q17 1Q18 1Q19 1Q20 2Q20

NIM Total NIM Clients

84%

16%

ClientPortion

Market Portion

Client Portion: loan and funding spreads

Market Portion: ALM, arbitrations and trading

6M20

1 Corresponds to the result of the operations with assets (credit and similar) and liabilities sensitive to spreads. The calculation of the result of assets sensitive to spreads takes into consideration the original rate of operations deducted from the internal costof the funding and the result of liabilities represents the difference between the cost of funding and the rate of transfer of these resources; and 2 Composed by the Assets and Liabilities Management (ALM), Trading and Own Working Capital.

Fees and Comissions Income

29.2

30.731.3

2Q19 1Q20 2Q20

Checking Accounts HoldersIn million

17.1

30.338.9

2Q19 1Q20 2Q20

17

Equities trading volume -IndividualsIn R$ billion

2.7% 6M/6M

Total FeeIncome

8.9% 6M/6M

Card Income

3.1% 6M/6M

CheckingAccount

50.0 53.841.0

2Q19 1Q20 2Q20

Variation %

6M202Q20

x 1Q202Q20

x 2Q196M20

x 6M19% Total

2Q20R$ million 2Q20

Card Income 2,352 5,052 (12.9) (15.4) (8.9) 30.8

Checking Account 1,921 3,901 (3.0) (0.6) 3.1 25.2

Asset Management 814 1,727 (10.8) (12.3) (8.8) 10.7

Loans Operations 657 1,378 (8.9) (13.0) (7.0) 8.6

Collections and Payments 621 1,280 (5.8) (1.7) 0.5 8.1

Consortium Management 439 929 (10.4) (3.3) 2.0 5.8

Custody and Brokerage Services 303 649 (12.4) 13.1 22.0 4.0

Underwriting / Financial Advisory Services 232 424 20.8 (14.1) 8.4 3.0

Other 287 569 1.8 10.4 5.0 3.8

Total 7,626 15,909 (7.9) (7.9) (2.7) 100.0

Business Days 61 123 (1) (1) -

Card TransactionsIn R$ billion

Operating Expenses

99,19897,234 96,787

2Q19 1Q20 2Q20

Employees

Branches

-2.4%

-0.5%

18

49.2% 49.3% 44.0%

2Q19 1Q20 2Q20

5.5% y/y

Total Expenses

11.9% y/y

PersonnelExpenses

11.6%y/y

Total expenses excluding Insuranceprovision*

* Provisions in the Insurance Group for claims in light of the adverse Economic Scenario: 1Q20 R$361 million in 2Q20 R$747 million; 6M20 R$1,108 million

Operating Efficiency RatioQuarterly

4,5814,400

4,167

2Q19 1Q20 2Q20

-9.0%

-5.3%

Variation %

6M202Q20

x 1Q202Q20

x 2Q196H20

x 6H19% Total

2Q20R$ million 2Q20

Personnel expenses 4,833 10,154 (9.2) (11.9) (4.6) 42.2

Payroll/Social Charges 3,027 6,101 (1.5) 1.3 3.3 26.4

Benefits 1,171 2,386 (3.6) (0.9) 1.4 10.2

Management and Employee Profit Sharing 452 1,230 (41.9) (38.2) (13.7) 3.9

Training / Termination Costs / Other 183 437 (28.0) (68.9) (54.6) 1.6

Administrative Expenses 4,970 10,048 (2.1) (2.6) (0.8) 43.4

Outsourced Services 1,204 2,488 (6.2) - 4.8 10.5

Depreciation and Amortization 799 1,598 - 6.1 8.3 7.0

Data Processing 631 1,142 23.5 5.7 (6.2) 5.5

Advertising and Marketing 269 560 (7.6) (20.2) (11.4) 2.3

Other 2,067 4,260 (5.7) (6.6) (3.8) 18.0

Other Operating Expense Net of Revenue 1,656 3,014 21.9 8.1 (4.5) 14.5

Total Operating Expenses 11,459 23,216 (2.5) (5.5) (3.0) 100.0

Total excluding Insurance Provision* 10,712 22,108 (6.0) (11.6) (7.6)

19

Efficiency Levers

Breadthof command(Span of Control)

BackOffice(Centralization andAutomation)

Consolidation ofStructures

Model of Customers Service (Digital)

Incorporation(Closure) of Branches

Rationalization and elimination of redundancies

Model of Branches

Hub vs. Satellite

Home Office

19

in 2020 and 2021 with the effect of measures already identified

Nominal dropin costs

Participation in Bradesco’s Results

Insurance Operations

20

R$ million

Income of the Operation

2,065 2,184 2,947

1,529 747831

3,5942,931

3,778

2Q19 1Q20 2Q20

Operating Income

4,556 5,131

2,864 1,578

7,4206,709

1H19 1H20

Financial Income

29%

33%

1H19 1H20305 203666 540

912382

1,764

1,394

1H19 1H20

Capitalization Health Property and Casualty & Others Life and Pension Plans

R$ million Net Income

30.9%3,647

2,519

ROE23.6%

ROE14.4%

84.1%80.8% 80.3%

84.5% 84.4% 84.2% 83.6%

74.5%

83.2%

72.4%70.4%

68.5%72.5% 74.2% 74.2% 72.9%

62.4%

70.7%

55.0%

60.0%

65.0%

70.0%

75.0%

80.0%

85.0%

90.0%

95.0%

100.0%

30.0%

40.0%

50.0%

60.0%

70.0%

80.0%

90.0%

3Q18 4Q18 1Q19 2Q19 3Q19 4Q19 1Q20 2Q20

Combined Ratio Claims Ratio

Quarterly

Combined Ratio and Claims Ratio

Includes the effects of the provisions for adverse economic scenarios

Capital and Liquidity

BIS Ratio

10.6 11.4 12.3 13.0 13.7 13.4 12.0 10.3 11.5

14.916.8

17.8 18.1 18.6 18.116.5

13.9 15.0

11.412.2

13.7 14.4 15.0 14.713.3

11.4 12.5

0.8 0.81.4 1.4 1.4 1.3

1.31.1

1.1

jun/18 set/18 dez/18 mar/19 jun/19 set/19 dez/19 mar/20 jun/20

Total Tier I & II Common Equity Additional Capital

Changes in the Tier I Ratio in the quarter

10.3 11.5

1.1

0.3 1.0

(0.2)1.1

11.412.5

Mar-20 Net Income and

Interest on

Shareholders'

Equity

MTM of Securities

and Prudential

Adjustments

Weighted Assets Jun-20

Common Equity Additional Capital

%

21

170.1%LCR NSFR

120.6%

Regulatory Capital and RWA

Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20

Variation %

Jun-20Jun-20 x Mar-20

Jun-20 x Jun-19

(R$ million)

Regulatory Capital 131,612 9.5 0.6

RWA 875,011 1.4 24.7

Credit Risk 786,300 0.6 24.3

Operational Risk 63,720 - 10.8

Market Risk 24,990 37.5 114.2

22

Growth of the loan portfolio in 2020 above the Brazilian banking system

Lower provision expense in 2H20 compared to 1H20 and significantly lower in 2021 compared to 2020

Structural reduction of costs through the implementation of actions, resulting in a nominal decrease of costs in 2020 and in the next few years

Net interest income growing in line with the loan portfolio

Fee revenues pressured by the economic scenario

Insurance results remainspressured by weaker financial results even with a lower claimsratio

FinalHighlights

23

This presentation may contain 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”, "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 transactions 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 assume any obligation to update them in light of new information or

future developments.