SAO PAULO, Oct. 22, 2012 /PRNewswire/ -- The main figures
obtained by Bradesco (BM&FBovespa: BBDC3; BBDC4), (NYSE: BBD)
in the first nine months of 2012 are presented below:
1. Adjusted Net Income(1) in the first nine months of 2012 stood
at R$8.605 billion (a 2.1% increase
compared to the R$8.427 billion
recorded in the same period last year), corresponding to earnings
per share of R$2.98 in the last 12
months and Return on Average Shareholders' Equity(2) of 19.9%.
2. Adjusted Net Income is composed of R$5.982 billion from financial activities,
representing 69.5% of the total, and R$2.623
billion from insurance, pension plan and capitalization bond
operations, which accounted for 30.5%.
3. On September 30, 2012,
Bradesco's market capitalization stood at R$113.102 billion(3), up 17.0% over the same
period in 2011.
4. Total Assets stood at R$856.288
billion in September 2012, an
18.6% increase over the same period in 2011. Return on Total
Average Assets was 1.4%.
5. The Expanded Loan Portfolio(4) stood at R$371.674 billion in September 2012, up 11.8% on the same period in
2011. Operations with individuals totaled R$114.536 billion (up 8.7%), while operations
with companies totaled R$257.138
billion (up 13.3%).
6. Assets under Management stood at R$1.172 trillion, up 20.4% on September 2011.
7. Shareholders' Equity stood at R$66.047
billion in September 2012, up
22.9% on September 2011. Capital
Adequacy Ratio stood at 16.0% in September
2012, 11.3% 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$2.923 billion in the first nine months of 2012,
of which R$1.348 billion was paid as
monthly and interim dividends and R$1.575
billion was recorded in provision.
9. Financial Margin stood at R$32.684
billion, up 12.5% in comparison with the same period in
2011.
10. The Delinquency Ratio over 90 days stood at 4.1% on
September 30, 2012 (3.8% on
September 30, 2011).
11. The Efficiency Ratio(5) improved by 0.6 p.p. (from 42.7% in
September 2011 to 42.1% in
September 2012), whereas the
"adjusted-to-risk" ratio stood at 53.1% (52.4% in September 2011).
12. Insurance Written Premiums, Pension Plan Contributions and
Capitalization Bond Income totaled R$31.092
billion the first nine months of 2012, up 17.3% over the
same period in 2011. Technical Reserves stood at R$117.807 billion, up 21.3% on September 2011.
13. Investments in infrastructure, information technology and
telecommunications amounted to R$2.967
billion in the first nine months of 2012, a 5.3% increase on
the previous year.
14. Taxes and contributions, including social security, paid or
recorded in provision, amounted to R$17.056
billion, of which R$6.695
billion referred to taxes withheld and collected from third
parties and R$10.361 billion from
Bradesco Organization activities, equivalent to 120.4% of Adjusted
Net Income (1).
15. Bradesco has an extensive customer service network in
Brazil, comprising 8,439 service
points (4,665 branches and 3,774 Service Branches - PAs). Customers
can also use 1,456 PAEs - ATMs (Automatic Teller Machines) in
companies, 41,713 Bradesco Expresso service points, 35,128
Bradesco Dia & Noite ATMs and 12,414 Banco24Horas
ATMs.
16. Payroll, plus charges and benefits, totaled R$7.660 billion. Social benefits provided to the
104,100 employees of the Bradesco Organization and their dependents
amounted to R$1.840 billion, while
investments in training and development programs totaled
R$100.219 million.
17. On August 30, the Organization
inaugurated Bradesco Next – the bank of the future – a thoroughly
modern space for the presentation and experimentation of new
technologies, products and services.
18. On September 13, Bradesco was
once again included in the Dow Jones Sustainability Index, a select
NYSE trading list that includes only those companies with the best
sustainable development practices.
19. Major Awards and Acknowledgments in the period:
- Bradesco was elected Company of the Year by the Best of
Dinheiro 2012 year book, as well as the Best Insurance Company, the
Best Health Company and Best Human Resources Management Company
(IstoE Dinheiro magazine, in association with KPMG, Trevisan and
Economatica);
- For the second consecutive year, Bradesco is the most valuable
brand Latin America (Latin America
BrandFinance);
- Bradesco is the most innovative company in customer relations
according to a survey conducted by the consultancy DOM Strategy
Partners (Consumidor Moderno magazine);
- Bradesco is one of the 100 Best Companies to Work For in
Brazil (Epoca magazine,
evaluated by the Great Place to Work Institute);
- Bradesco placed first in the financial segment "Stock
Exchange's Stars" ranking. The study analyzed the performance of
all Brazilian companies' shares listed on Sao Paulo Stock Exchange
and indicated those that created more value to their shareholders
(Boston Consulting Group);
- Bradesco was the only financial institution with a positive
performance in the Stock Exchange in 2012 (Valor Economico
newspaper, data from BM&FBovespa and Economatica);
- For the sixth consecutive time, Grupo Bradesco Seguros ranked
first in the Brazilian insurance company category (2012 Valor
1000 list of Valor Economico newspaper); and
- For the second consecutive year, Grupo Bradesco Seguros was the
"Best and major insurance company in Latin America", in the "Top 100 Insurers"
ranking (Latin Trade magazine).
20. 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 offering; (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
55-year history of extensive social and educational work, with 40
schools in Brazil. In 2012, a
projected budget of R$385.473 million
will benefit 111,170 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 50 thousand students in Basic
Education are guaranteed free, quality education, uniforms, school
supplies, meals and medical and dental assistance. Fundacao
Bradesco also aided another 300,150 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 83,323 people will
benefit from projects and actions in partnerships with Digital
Inclusion Centers (CIDs), the Educa+Acao Program and
Technology courses (Educar e Aprender – Teach and
Learn).
(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$124.332
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-obligation in
loan assignment (receivables-backed investment funds and
mortgage-backed receivables), co-obligation in rural loan
assignment, 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
SOURCE Banco Bradesco S.A.