SuStainability report - SocialFunds.com

Sustainability Report 2008Performance IndicatorsEconomic IndicatorsDistribution of Added Value (DVA)Added Value2006 2007 2008R$ thousand % R$ thousand % R$ thousand %1) Revenues 41,243,517 272.3 47,218,444 233.2 59,815,648 337.02) Financial Intermediation Expenses (18,536,698) (122.4) (19,293,584) (95.3) (33,954,595) (191.3)3) Inputs Acquired from Third Parties (5,039,460) (33.3) (5,970,751) (29.5) (6,764,677) (38.1)4) Gross Added Value (1-2-3) 17,667,359 116.6 21,954,109 108.4 19,096,376 107.65) Depreciation, Amortization and Depletion (2,589,769) (17.1) (1,749,534) (8.6) (1,481,558) (8.3)6) Net Added Value Produced by Entity (4-5) 15,077,590 99.5 20,204,575 99.8 17,614,818 99.27) Added Value Received in Transfer 72,324 0.5 42,268 0.2 135,356 0.88) Added Value to Distribute (6+7) 15,149,914 100.0 20,246,843 100.0 17,750,174 100.09) Distribution of Added Value 15,149,914 100.0 20,246,843 100.0 17,750,174 100.09.1) Personnel 5,505,287 36.3 5,973,382 29.5 6,231,826 35.19.2) Taxes, Fees and Contributions 4,232,056 28.0 5,850,522 28.9 3,401,946 19.29.3) Remuneration of Third Party Capital 349,524 2.3 402,002 2.0 462,343 2.69.4) Equity Capital Remuneration 5,063,047 33.4 8,020,937 39.6 7,654,059 43.1Customer IndicatorsLoan Portfolio ProfileLoan volume by type and activity sector (R$ million)2006 2007 2008Balance % Balance % Balance %Public sector 940 1.0 901 0.7 941 0.6Private sector 95,279 99.0 130,406 99.3 172,482 99.4Corporations 55,668 57.8 76,932 58.6 105,781 61.0Industry 24,393 25.3 31,401 23.9 44,261 25.5Commerce 13,452 13.9 18,724 14.3 23,547 13.6Financial Intermediation 462 0.5 1,049 0.8 1,236 0.7Services 16,054 16.7 24,135 18.4 34,491 19.9Agriculture, ranching, fishing,silviculture and forestry1,307 1.4 1,623 1.2 2,246 1.3Individuals 39,611 41.2 53,474 40.7 66,701 38.4Total 96,219 100.0 131,307 100.0 173,423 100.0Volume of loans by Brazilian region (R$ billion)Variation of2007 2008CompanyRegionbalance (%)Balance % Balance %North 3,041 3.3 3,896 3.1 28.1Northeast 7,754 8.3 10,628 8.4 37.1BradescoMid-West 6,856 7.4 8,752 6.9 27.7South 13,642 14.7 18,170 14.3 33.2Southeast 61,507 66.3 85,440 67.3 38.9Total Bradesco 92,800 100 126,887 100 36.7Other companies * 38,507 46,536 20.9Total 131,307 173,423 32.1* Includes Finasa, Private, Amex, non-account holder Card, BMC, Credifar and operations abroad.82