Banco Bradesco Sa · BMFBOVESPA:BBDC3
Banco Bradesco Sa — Q2 2026 Earnings Presentation
17 slides from Banco Bradesco Sa's earnings presentation, Aug 7, 2026
Slide 1: Earnings Release 2Q26
Earnings Release (2Q26
Slide 2: Highlights
Highlights Recurring net income grows 16.2% yoy, marking ten consecutive quarters of growth 2Q26 Profitability improves with revenues up 10.3% yoy and Recurring Net Income expenses under control R$7.1 bn Loan portfolio expands with more collateral and in lines with high RAR (Risk-Adjusted Return)
Slide 3: Expanded Loan Portfolio
Expanded Loan Portfolio June26 R$1,137 bn Individuals SMEs Large Corporates R$479.7 bn R$267.5 bn R$389.4 bn 4.3% (q/q) 11.6% (y/y) 1.2% (q/q) 8.4% (y/y) 5.1% (q/q) 16.1% (y/y) 7.8% (q/q) 12.7% (y/y) CAGR 11.7% (2Q24–2Q26) Expanded Loan Portfolio 1,137 1,089 1,090 1,018 1,034 R$ billion 1,
Slide 4: Credit Portfolio: Bradesco x National Financial System
Credit Portfolio: Bradesco x National Financial System Credit Portfolio YoY Growth in Jun-26: Bradesco vs. the National Financial System (NFS) 12-month change, % BRADESCO NFS Earmarked +8.7 p.p. 21.4% 12.7% Corporate +6.8 p.p. 14.7% 7.9% Total +1.0 p.p. 10.7% 9.7% Individuals −3.2 p.p. 7.7% 10.9% No
Slide 5: Expanded Loan Portfolio
consignado Expanded Loan Portfolio Growth in lines with high risk-adjusted return Credit Card Wholesale 7.3% (q/q) 13.0% (y/y) Rural 9.3% (q/q) 24.9% (y/y) Decelerating in all segments Secured 9.7% (q/q) 31.2% (y/y) 2.2% (q/q) 10.6% (y/y) Wholesale lines Retail + SME High Income 3.4%
Slide 6: Expanded Loan Portfolio
payroll-deductible Expanded Loan Portfolio loans Priority to secured lines, lowering risk and increasing spreads Example of guarantee-claim usage exercise Average Monthly Origination | Retail + SME (Base 100 = 3Q25) FGI 90 days past due +30 days for guarantee payment 114 111 FGO 180 days past due +5
Slide 7: Loan Quality Indicators
Loan Quality Indicators Over 90-day Non-Performing Loans - % (1) Reestructured Portfolio (5.5) bn Reduction in problematic assets (y/y) 5.5 1.1 bn In cured operations (y/y) 5.4 5.4 5.4 Individuals 5.1 Restructured Portfolio / 4.0 3.7 3.3 3.1 3.1 Total 4.3 4.1 4.1 4.2 4.4 Loan Portfolio - % 4.3 4
Slide 8: Total Revenue
Total Revenue 2Q26 Total Net Interest Income Fee and Commission Insurance, Pension Plans Income and Capitalization Bonds R$37.6 bn R$20.9 bn R$10.5 bn R$6.1 bn 2.1% (q/q) 10.3% (y/y) 4.1% (q/q) 15.7% (y/y) 1.1% (q/q) 1.7% (y/y) 4.2% (q/q) 8.3% (y/y) CAGR 12.5% (2Q24–2Q26) 36.9 37.6 36.1 35.
Slide 9: Net Interest Income
Net Interest Income Client NII Client NII net of provision 2Q26 R$20.2 bn 3.6 13.8% (y/y) R$10.2 bn 3.9 6.2% (y/y) R$20.9 bn % (q/q) % (q/q) % % 9.1 9.1 4.7 4.8 4.8 4.5 4.5 9.0 9.0 8.8 4.1% (q/q) 15.7% (y/y) R$ billion R$ billion 19.5 20.2 10.1 10.3 9.8 10.2 18.6 19.1 9.6 17.8 Expenses w
Slide 10: Fee and Commission Income
Fee and Commission Income R$10.5 bn 1.1% (q/q) 2Q26 1.7% (y/y) Checking Account + Collections & Payments R$2.0 bn 3.0% (q/q) 3.1% (y/y) 38.2 MM Checking Account Clients +300k vs. Mar26 Consortium Management R$0.9 bn Revenues of R$24.6 bn, growth of 14% vs. 1H25 Card Income 0.8% (q/q) 10.5% (
Slide 11: Insurance, Pension Plans and Capitalization Bonds
Insurance, Pension Plans and Capitalization Bonds Net Income Revenues from insurance premiums, pension contributions and capitalization bonds 2Q26 1H26 2Q26 1H26 R$2.9 bn R$5.7 bn R$30 bn R$58 bn 6.7% (q/q) 28.3% (y/y) 20.4% (h/h) 4.0 % (q/q) Excluding VGBL: 1.6%%(q/q) 6.4 1.7 (y/y) 6.9
Slide 12: Operating Expenses
Operating Expenses 2Q26 Personnel + administrative R$16.4 bn R$13.1 bn 3.8% (y/y) Excluding profit-sharing 4.59% (y/y) Average Inflation in 2Q26 1.6% (q/q) 3.4% (y/y) 4.0% (q/q) 5.0% (y/y) 5.68% 2025 Collective wage increase agreement Service Network ER 12 months -% 0.8 p.p. (q/q) 2.8 p.p
Slide 13: Basel & dividends/IOC
Basel & dividends/IOC Basel Ratio % | Tier I Dividends/IOC - Gross 15.1 R$ billion 14.5 1.4 (2) * (pro forma) 12.0 0.9 (1) Common Equity Capital 13.6% 11.3 11.3 10.2 11.3 8.0 10.2 * (pro forma) Tier I 1.8 Mar26 1.5 June26 * 15.1% (12.8% + pro forma 2.3%) Addition Capital Common Equity 2022 2023 2024
Slide 14: b.ia
CLIENT SEGMENTS TECHNOLOGY PRINCIPAL +400k upgrades in Principal and Prime CLIENT ~12 k -49% 830+ people lead time BRIDGE use cases Dec25 June26 Dec26 CHANNELS Clients 320k 400+ k ~800k Offices 62 73 ~110 SMEs App with more features: new investment b.ia PRIME Dec25 June26 Dec26 options, NF-e issuanc
Slide 15: Conclusions
Conclusions Consistent net income growth, step by step Strong operating result in 2Q26, with revenues growing double digits and good risk management The transformation plan is increasing our competitiveness across business lines, giving resilience to revenues The portfolio is growing safely, with mo
Slide 16: @MeuBradesco
YOU FIRST· THE NEW ECOSSYSTEM @MeuBradesco
Slide 17: Earnings Release 2Q26
Earnings Release (2Q26