INTEGRATED REPORT 2016 BRADESCO

RECOGNITION

Ratings

Awards

• We were considered the Best Bank in the Country in the 2016 edition of the Awards for Excellence by the English magazine Euromoney.
• 2016 Bank of the Year in E-finance, from the magazine Executivos Financeiros.
• Distinction in Global Finance magazine's 2016 Global Finance Award, with two prizes: Receba Fácil, in the Trade Finance category, and Novo Net Empresa para Celular, in the Transaction Services category.
• Most valuable brand in Brazil in the last ten years, in the IstoÉ Dinheiro magazine ranking in partnership with the consultancy Kantar Vermeer.
• Best investment bank in Brazil in 2016 (Bradesco BBI), in the 17^th edition of Global Finance magazine's Best Investment Banks in the World.
• Recognized for the second time as the Best Investment Bank in Brazil (Bradesco BBI), in Euromoney magazine's 2016 Awards for Excellence.
• BRAM as best short-term share and fund manager in a survey conducted by Fundação Getulio Vargas (FGV).
• BRAM as best investment fund manager according to Exame magazine.
• BRAM has 23 funds recognized as excellent in the Best Funds for Institutional Investors ranking prepared by Luz Engenharia Financeira.
• BRAM receives distinction in the Investidor Institucional magazine ranking of the best institutional fund managers.
• BRAM received awards in ALAS 20 – Agenda Lideres Sustentables 20, for its activities and leadership in the responsible investment agenda in the following categories: 1^st place in Leadership in Responsible Investments, 2^nd place in Leadership in Corporate Governance and 3^rd place in Leadership in Research into Sustainability.
• Leader of the ranking of large companies most featured in the Valor Carreira annual editions, published by the newspaper Valor Econômico in partnership with the consultancy Aon-Hewitt.
• Bradesco BBI coordinates the first capital market offering with acceptance of documents in digital format.
• Distinction in the Valor Inovação Brasil Award, coming 8^th among the 100 Most Innovative Companies ranking developed by the newspaper Valor Econômico.
• Winner of Premios Latinoamérica Verde, in the Sustainable Finances Category, with the case Financial Inclusion and Sustainable Development in the Amazon, promoted by CAF (Development Bank of Latin America).
• For the 17^th time listed as one of the 150 Best Companies to Work for in Brazil, according to a survey by Época magazine in partnership with the Great Place to Work Institute.
• Leader in the Folha Top of Mind survey in the category Top Finanças, with a recognition rate of 25%, and placement in the "Insurance" category for the 15^th year running. One of the brands with the highest recall in savings, health plans, insurance and credit cards.
• For the fifth time running, the Ombudsman services of Bradesco and the Bradesco Seguros Group came among the 10 Best Ombudsmen services in Brazil, according to a survey conducted by the Associação Brasileira de Ouvidores (ABO) and the Associação Brasileira das Relações Empresa-Cliente (Abrarec), with support from Consumidor Moderno magazine.
• Distinction in the survey The Best in Personnel Management, in the newspaper Valor Econômico.
• Winner of The Best Companies for the Consumer Award, in the Insurance category, from Época magazine and the Reclame Aqui website.
• Considered the largest privately held business group in Brazil in the Big Groups annual published by the newspaper Valor Econômico.
• Our 2015 Integrated Report won the 18th Abrasca Award for the Best Annual Report in the Publicly Traded Company category – companies with annual net revenues of R$3 billion or more.
• For the fifth time running, the Bradesco Seguros Group won the annual Época Negócios 360° Award in the Insurance category.
• For the 10^th year, Bradesco Seguros Group gained a distinction in the Valor 1000 annual, promoted by the newspaper Valor Econômico, in the categories Operational Earnings, Net Income, Investments and Shareholders' Equity.
• The Bradesco Seguros Group gained a distinction in the Melhores da Dinheiro Award in the categories Insurance, Private Pensions and Best Innovation and Quality. The annual is promoted by the magazine IstoÉ Dinheiro.
• Oi Tela Viva Móvel Award

• Mobile Cash category, with the case Use of Apple Touch ID in Bradesco Apps to Access Security Key.
• Mobile Cash category, with the case Depositing checks via Bradesco Celular for Companies.
• Internet of Things category, with the case Bradesco Exclusive App for Android, integrated into Ford's connected car.

• Efinance Award

• Category Wearable Application, with the case Bradesco Applications for the Apple Watch.
• University Student Application, with the case Bradesco University Student Application for Android.
• Accessibility Category, with the case Self-service withdrawal using Brazilian sign language.
• Collaboration category, with the case Collaboration through Business Focused Digital Platform Management.
• Health Applications category, with the Health Plans – Automation of Integrated Coverage.
• Datacenter category, with the case Datacenter Modernization.

Further information at:
bancobradesco/ir

Certifications

Further information at:
banco.bradesco/ri
www.bradescofornecedores.com.br/html/fornecedores/sustentabilidade/index.shtm (only in Portuguese)

Legal Action

On May 31, 2016, we were informed that three members of our Executive Board were facing accusations from the Federal Police in the so-called Operation Zelotes, which is investigating the alleged misconduct of members of the CARF (Conselho Administrativo de Recursos Fiscais). On July 28, 2016, the Federal Public Prosecution Service made accusations against three members of our Executive Board and a former member of the Board of Directors. This was heard by the judge of the 10^th Federal District Court in the Distrito Federal. The executives have already presented their responses to the criminal process, indicating the facts and evidence that prove their innocence.

Our management conducted a painstaking internal examination of records and documents related to the charges and found absolutely no evidence of any illegal conduct on the part of our representatives. We are cooperating with the competent authorities and regulatory bodies both in Brazil and abroad and providing all the documents and information requested.

In consequence of the news of an indictment resulting from the Zelotes Operation, a class action was filed in the New York District Court on June 3^rd, 2016, based on Section 10(b) and 20(a) of the Securities Exchange Act of 1934. On October 21^st, 2016, the plaintiff nominated by the court presented an amended class action complaint indicating us as defendant, as well as the three members of the Executive Board who had been indicted. The suit alleges that investors who had acquired our preferred American Depositary Shares (ADS) between April 30^th, 2012 and July 27^th, 2016, suffered losses due to the supposed violation of North American capital market laws. We appeared voluntarily in the class action hearings and, on December 23^rd, 2016, filed a motion to have the charges dismissed. Since the suit is at a preliminary phase, at this moment it is not possible to measure our exposure and there are insufficient elements to conduct a risk assessment.