| Balance Sheet |
| Total Assets |
176,098 |
184,926 |
208,683 |
265,547 |
341,184 |
| Loan and Leasing Operations |
54,336 |
62,788 |
81,130 |
96,219 |
131,307 |
| Marketable Securities and Instruments Financ. Deriv. and Liq. Interbank Investments |
85,529 |
84,769 |
89,457 |
123,239 |
152,074 |
| Total Deposits |
58,024 |
68,643 |
75,406 |
83,905 |
98,323 |
| Demand Deposits |
12,909 |
15,298 |
15,956 |
20,527 |
28,496 |
| Time Deposits |
22,943 |
28,459 |
32,837 |
34,925 |
35,717 |
| Savings Deposits |
22,140 |
24,783 |
26,201 |
27,612 |
32,813 |
| Subordinated Debts |
4,995 |
5,973 |
6,719 |
11,949 |
15,850 |
| Technical Provision for Insurance, Private Pension Plans and Savings Bonds |
26,409 |
33,669 |
40,863 |
49,129 |
58,526 |
| Stockholders’ Equity |
13,547 |
15,215 |
19,409 |
24,636 |
30,357 |
| Statement of Income (1) (2) |
| Net Income |
2,306 |
3,060 |
5,514 |
6,363 |
7,210 |
| Net Interest Income |
13,282 |
13,231 |
16,549 |
19,839 |
22,300 |
| Gross Income from Financial Intermediation |
10,832 |
11,189 |
14,042 |
15,427 |
16,802 |
| Fee Income |
4,557 |
5,824 |
7,349 |
8,898 |
10,806 |
| Personnel Expenses |
4,779 |
4,969 |
5,312 |
5,932 |
6,570 |
| Other Administrative Expenses |
4,814 |
4,937 |
5,142 |
5,870 |
6,912 |
| Performance Ratios – Annualized (in %) |
| Total Return on Stockholders’ Equity (ROE) |
17.0 |
20.1 |
28.4 |
25.8 |
23.8 |
| Total Return on Assets (ROA) |
1.3 |
1.7 |
2.6 |
2.4 |
2.1 |
| Capital Adequacy Ratio (Basel) – Financial Consolidated |
19.9 |
18.8 |
17.3 |
18.8 |
15.6 |
| Efficiency Ratio (accumulated) |
56.6 |
55.5 |
45.6 |
42.1 |
41.8 |
| Coverage – Service Provisions/Expenses with Personnel |
95.3 |
117.2 |
138.4 |
150.0 |
164.5 |
| Coverage – Service Provisions/Personnel and Administrative Expenses |
47.5 |
58.8 |
70.3 |
75.4 |
80.2 |
| Stocks (3) |
| Interest on Own Capital/Dividends |
1,347 |
1,325 |
1,881 |
2,160 |
2,823 |
| Net Income per Stock |
1.21 |
1.61 |
2.82 |
3.18 |
3.57 |
| Book Value per Stock |
7.12 |
8.02 |
9.91 |
12.31 |
15.04 |
| Capital Increase by Subscription/Merger |
1,290 |
– |
712 |
1,200 |
790 |
| Clients (million) |
| Checking Account Holders |
14.5 |
15.7 |
16.5 |
16.8 |
18.8 |
| Savings Accounts |
32.3 |
34.7 |
35.1 |
35.2 |
34.6 |
| Finasa |
0.936 |
1.994 |
5.475 |
5.846 |
5.492 |
| Network/Structure |
| Bradesco Branches |
3,052 |
3,004 |
2,921 |
3,008 |
3,160 |
| Corporate Site Branches (PABs) |
2,062 |
2,301 |
2,451 |
2,542 |
2,776 |
| Banco Postal |
4,000 |
5,383 |
5,461 |
5,585 |
5,821 |
| Finasa Branches |
53 |
121 |
239 |
381 |
375 |
| Finasa Stores and Contracted Dealers |
13,859 |
32,687 |
40,439 |
39,893 |
36,970 |
| ATM Network |
21,605 |
21,822 |
23,036 |
24,099 |
25,974 |
| Clients Average per Branch (thousands) |
4.7 |
5.2 |
5.6 |
5.6 |
5.9 |
| Number of Employees |
75,781 |
73,644 |
73,881 |
79,306 |
82,773 |
| Internet Banking (millions of clients) |
6.2 |
6.4 |
6.9 |
7.8 |
8.6 |
| Credit Card Base (million) |
7.0 |
7.6 |
10.2 |
17.9 |
27.2 |
- (1) 2007 – Recurring Income.
- (2) Bradesco’s net income reported in 2007 was R$ 8.010 billion.
- (3) Previous amounts recalculated for comparison purposes, in view of stocks split and reverse split.
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