SAO PAULO, Jan. 28, 2013 /PRNewswire/ -- The main figures of
Bradesco (BM&FBovespa: BBDC3; BBDC4), (NYSE: BBD) in 2012
are presented below:
1. Adjusted Net Income(1) in 2012 stood at R$11.523 billion (a 2.9% increase compared to the
R$11.198 billion recorded in the same
period last year), corresponding to earnings per share of
R$3.02 and Return on Average
Shareholders' Equity(2) of 19.2%.
2. Adjusted Net Income is composed of R$7.936 billion from financial activities,
representing 68.9% of the total, and R$3.587
billion from insurance, pension plan and capitalization bond
operations, which accounted for 31.1%.
3. On December 31, 2012,
Bradesco's market capitalization stood at R$131.908 billion(3), up 23.3% over 2011.
4. Total Assets stood at R$879.092
billion in December 2012, a
15.4% increase over 2011. Return on Total Average Assets was
1.4%.
5. The Expanded Loan Portfolio(4) stood at R$385.529 billion in December 2012, up 11.5% during the same period in
2011. Operations with individuals totaled R$117.540 billion (up 8.2% from December 2011), while operations with companies
totaled R$267,989 billion (up 13.1%
from December 2011).
6. Assets under Management stood at R$1.225 trillion, varying 20.1% from December 2011.
7. Shareholders' Equity stood at R$70.047
billion in December 2012, up
26.0% from December 2011. Capital
Adequacy Ratio stood at 16.1% in December
2012, 11.0% of which fell under Tier I Capital.
8. Interest on Shareholders' Equity and Dividends were paid and
recorded in provision to shareholders at the amount of R$3.895 billion from 2012 profit, of which
R$1.574 billion was paid as monthly
and interim dividends and R$2.321
billion was recorded in provision.
9. Financial Margin stood at R$43.793
billion, up 11.4% in comparison with 2011.
10. The Delinquency Ratio over 90 days stood at 4.1% on
December 31, 2012 (3.9% on
December 31, 2011).
11. The Efficiency Ratio(5) improved by 1.5 p.p. (from 43.0% in
December 2011 to 41.5% in
December 2012), whereas the
"adjusted-to-risk" ratio stood at 52.7% (53.0% in December 2011).
12. Insurance Written Premiums, Pension Plan Contributions and
Capitalization Bond Income totaled R$44.308
billion in 2012, up 17.7% over 2011. Technical Reserves
stood at R$124.217 billion, up 19.8%
from December 2011.
13. Investments in infrastructure, information technology and
telecommunications amounted to R$4.408
billion in 2012.
14. Taxes and contributions, including social security, paid or
recorded in provision, amounted to R$22.401
billion, of which R$9.645
billion referred to taxes withheld and collected from third
parties and R$12.756 billion from
Bradesco Organization activities, equivalent to 110.7% of Adjusted
Net Income (1).
15. Bradesco has an extensive customer service network in
Brazil, comprising 8,467 Service
Points, with 4,686 branches and 3,781 Service Branches - PAs.
Customers can also use 1,456 PAEs - ATMs (Automatic Teller
Machines) in companies, 43,053 Bradesco Expresso service
points, 34,859 Bradesco Dia & Noite ATMs and 12,975
Banco24Horas ATMs.
16. Payroll, plus charges and benefits, totaled R$10.373 billion. Social benefits provided to the
103,385 employees of the Bradesco Organization and their dependents
amounted to R$2.523 billion, while
investments in training and development programs totaled
R$132.596 million.
17. On November 14, Bradesco
common shares were selected to compose the MSCI Brazil Index, based
on which several investment decisions are made, as of December 2012.
18. On November 30, Bradesco was
once again included in the BM&FBOVESPA's Corporate
Sustainability Index (ISE), reflecting the returns of a grouping
composed of the shares of companies characterized by the best
performances in all of the dimensions measuring corporate
sustainability.
19. Bradesco is the first and only Brazilian bank authorized by
the Central Bank to use its own internally-developed market risk
management models to calculate regulatory capital as of
January 2013.
20. Major Awards and Acknowledgments in the period:
- Bradesco stood out with the best market value x shareholders'
equity ratio at the end of 2012 among the publicly-held banks in
Latin America and United States (Economatica);
- Bradesco was elected the best Bank in Brazil and Latin
America (Latin Finance);
- Bradesco was considered the best Brazilian Bank in the 2012 The
Bank Awards edition (The Banker magazine);
- Bradesco was considered the largest Brazilian private group by
Valor Grandes Grupos ranking, which lists the 200 largest
groups operating in the country. It also placed first among the 20
largest financial institutions ranking (Valor Economico and
Valor Data newspapers);
- Bradesco was highlighted in the Best at People Management
survey in the special publication Valor Carreira (Valor
Economico newspaper, with technical support of Aon Hewitt; and
- The Folha Top of Mind award was granted to Bradesco and
Bradesco Seguros (the latter for the 11th consecutive year) in Top
Finances and Insurance categories, respectively (Folha de
S.Paulo newspaper).
21. With regards to sustainability, Bradesco divides its actions
into three pillars: (i) Sustainable Finances, focused on banking
inclusion, social and environmental variables for loan approvals
and product offerings; (ii) Responsible Management, focused on
valuing professionals, improving the workplace and adopting
eco-efficient practices; and (iii) Social and Environmental
Investments, focused on education, the environment, culture and
sports. In this area, we point out Fundacao Bradesco, which has a
56-year history of extensive social and educational work, with 40
schools in Brazil. In 2012, it
benefited 111,512 students in its schools, in Basic Education (from
Kindergarten to High School and Vocational Training - High School
Level), Education for Youth and Adults; and Preliminary and
Continuing Qualification focused on the creation of jobs and
generation of income. The nearly 47 thousand students in Basic
Education are guaranteed free, quality education, uniforms, school
supplies, meals and medical and dental assistance. Fundacao
Bradesco also aided another 365,430 students through its distance
learning programs, found at its e-learning portal "Virtual School."
These students completed at least one of the many courses offered
by the Virtual School. Furthermore, another 118,595 people
benefited from projects and actions in partnerships with Digital
Inclusion Centers (CIDs), the Educa+Acao Program and Technology
courses (Educar e Aprender – Educate and Learn). To meet its
social commitments, Fundacao Bradesco invested R$374.213 million in 2012 in its educational
activities. A R$460.961 million
investment is expected for 2013.
(1) According to non-recurring events described on page 8 of
this Report on Economic and Financial Analysis; (2) Excludes
mark-to-market effect of available-for-sale securities recorded
under Shareholders' Equity; (3) R$134.257
billion considering the closing price of preferred shares
(most traded share); (4) Includes sureties and guarantees, letters
of credit, advances of credit card receivables, co-obligations in
loan assignments (receivables-backed investment funds and
mortgage-backed receivables), co-obligations in rural loan
assignments, and operations bearing credit risk – commercial
portfolio, which includes debentures and promissory notes; and (5)
In the last 12 months.
CONTACT:
Mrs. Ivani Benazzi de Andrade
Phone: +011-55-11-2178-6218
e-mail: 4823.ivani@bradesco.com.br
or Mr. Carlos Tsuyoshi
Yamashita
Phone: +011-55-11-2178-6204
e-mail: 4823.carlos@bradesco.com.br