Banco Bradesco Sa · BMFBOVESPA:BBDC3
Banco Bradesco Sa — Q2 2025 Earnings Presentation
18 slides from Banco Bradesco Sa's earnings presentation, Jul 31, 2025
Slide 1: I AM BRADESCO: our evolving culture
Translation I AM BRADESCO our evolving culture We Stand For People An Empowered Team Results-Driven Together We Evolve We Stand for Customers Challenge Oriented
Slide 2: Operational performance
operational performance Solid increase in profitability reflects the combination of operational improvement and the benefits deriving from our transformation plan 2Q25 Revenues grow across all lines: NII, insurance and fees recurring net income R$ 6.1 bi NII net of provisions grows with an adequate
Slide 3: Total revenue
total revenue 2Q25 R$ 34.0 bi total net interest income fee and commission income insurance, pension plans and capitalization bonds 5.2% (q/q) 15.1% (y/y) 4.7% (q/q) 15.8% (y/y) 5.5% (q/q) 10.6% (y/y) 6.5% (q/q) 21.7% (y/y) R$ billion 32.8 34.0 31.0 32.3 29.5 2Q24 3Q24 4Q24 1Q25 2Q25 Tota
Slide 4: Expanded loan portfolio
expanded loan portfolio June25 solid performance for another consecutive quarter 1.3% (q/q) R$ 1,018 bi 11.7% (y/y) individuals total R$ 442.4 bi main products performance (%) 12M growth 12.9% 11.9% 11.7% 15.9% q/q y/y 16.2% \\Individuals 2.2 15.9 7.6% 13.3% 10.0% Personal Loans 5.1 17.5 5.0% 5.7
Slide 5: Net interest income
net interest income client NII client NII net of provisions R$ 17.8 bi 5.9 % (q/q) 16.4% (y/y) R$ 9.6 bi 5.3 % (q/q) 20.7% (y/y) 2Q25 R$ 18.0 bi % 8.6 8.4 8.4 8.6 8.8 % 4.4 4.5 4.4 4.6 4.7 4.7% (q/q) 15.8% (y/y) 14.8% (h/h) R$ billion 17.8 R$ billion 16.8 15.6 16.2 8.7 9.1 9.6 15.3 8.0 8.
Slide 6: Loan quality indicators
loan quality indicators over 90-day non-performing loans - % restructured portfolio – R$ billion 5.4 5.8% 5.2 5.1 5.1 5.3% 4.8% 5.1 4.3% 4.0% 5.2 5.1 4.4 37.9 36.5 5% (q/q) 4.3 4.3 21% (y/y) 34.8 4.2 4.2 31.6 4.3 4.0 30.1 4.2 4.1 (1) 4.0 4.1 5.0 4.8 0.3 33.7 32.3 0.2 0.1 0.1 0.4 30.7 26.7 25.3 Jun
Slide 7: Fee and commission income
fee and commission income 2Q25 consortium management R$ 10.3 bi R$ 0.8 bi 9.1% (q/q) 20.8% (y/y) 14.9% (h/h) Maintaining leadership in movable assets and regaining 1st position in real estate 5.5% (q/q) 10.6% (y/y) 10.4% (h/h) loan operations card income R$ 0.7 bi 13.1% (q/q) 1.9% (y/y) 1.7
Slide 8: Operating expenses
operating expenses 2Q25 2Q25 x 2Q24 4.4% (q/q) R$ 15.9 bi (y/y) total operating personnel + 9.9% 4.9% (y/y) expenses administrative 5.9% (q/q) 9.9% (y/y) 11.1% (h/h) 4.3% (h/h) excluding Elopar and Cielo 5.8% service points footprint adjustment 6,762 6,003 5,781 Quarterly ER 5,226 -555 v
Slide 9: Insurance, pension plans and capitalization bonds
insurance, pension plans and capitalization bonds revenues from insurance premiums, pension net income contributions and capitalization bonds 2Q25 1H25 2Q25 1H25 R$ 2.3 bi R$ 4.7 bi 4.4% (y/y) 14.2% (h/h) R$ 29.2 bi R$ 59.2 bi 3.3% (y/y) 1.8% (h/h) ROAE 22,4% 1H25 | ROAE 21.7% income from insura
Slide 10: Capital & dividends/IOC
capital & dividends/IOC Basel ratio dividends/IOC - Gross tier I common equity R$ billion 13.0% 11.1% 9.2 10.2 11.3 11.3 6.8 stable in the quarter 0.4 p.p. (y/y) 2021 2022 2023 2024 1H25 10 10
Slide 11: Guidance 2025
Guidance 2025 actual previous current 1H25 vs. 1H24 2025 2025 Expanded Loan Portfolio 4% to 8% maintained 11.7% NII net of provisions R$ 37 bi to R$ 41 bi maintained R$ 19.5 bi (Net interest income – expanded loan loss provisions) Fee and commission income 4% to 8% 5% to 9% 10.4% Operating expenses
Slide 12: Transforming all Bradesco
Transforming all Bradesco
Slide 13: 2Q25 advances
2Q25 IT 33% reduction in delivery lead time and 84% increase in business development hours advances Wholesale and SMEs: Intensive use of GenAI + Strong penetration across all segments and specialized teams. More services for SMEs through Cielo (e.g., more collections anticipation), an energy desk an
Slide 14: We are the present. We build the future
we are the present. we build the future technology efficiency with tools for education and GenAI use productivity technological development greater IT and business proximity & enterprise agility GenAI +20% 2 +50% accuracy compared to the collection performance multiagents projects in Multiagents squ
Slide 15: Wholesale Bank & SME
Wholesale Bank & SME Intensive use of machine learning and GenAI in customer management tools and applications Wholesale Bank Initiatives SMEs IB Companies team strengthened revenue of R$ 3 mi to R$ 50 mi/year Global Markets distribution strengthened on global Business Institutional Segment markets
Slide 16: Companies & businesses
companies & businesses new digital plataform strategy Companies revenue of R$ 3 mi to R$ 50 mi/year segments +150 branches in 2024 and substantial growth digital Businesses MEI revenue up to R$ 3 mi/year digital service with humanized support chat transformation new segmentation and GenAI + WhatsApp
Slide 17: Conclusions
conclusions total net interest fee and commission insurance, pension plans income income and capitalization bonds Revenue 4.7% (q/q) 15.8% (y/y) 5.5% (q/q) 10.6% (y/y) 6.5% (q/q) 21.7% (y/y) Expenses under Control personnel + administrative 4.3% (h/h) conclusions Loan Portfolio growing in a
Slide 18: I AM BRADESCO: our evolving culture
Translation I AM BRADESCO our evolving culture We Stand For People An Empowered Team Results-Driven Together We Evolve We Stand for Customers Challenge Oriented