Banco Bradesco Sa · BMFBOVESPA:BBDC3
Banco Bradesco Sa — Q3 2025 Earnings Presentation
18 slides from Banco Bradesco Sa's earnings presentation, Oct 31, 2025
Slide 1: I AM BRADESCO
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 3Q25 Profitability maintains gradual and secure growth for the seventh consecutive quarter recurring net income R$6.2 bi Revenues continue to grow, with highlight to the client NII performance Delinquency rates remain stable, the restructured portfolio decreases while the sec
Slide 3: Total revenue
total revenue 3Q25 total net interest fee and commission Insurance, pension plans and income income R$35.0 bi capitalization bonds R$18.7 bi R$10.6 bi R$5.7 bi 3.0% (q/q) 13.1% (y/y) 3.7% (q/q) 16.9% (y/y) 2.8% (q/q) 6.9% (y/y) 1.0% (q/q) 13.0% (y/y) 35.0 R$ billion 34.0 32.8 32.3 31.0 2
Slide 4: Expanded loan portfolio
expanded loan portfolio Sept25 portfolio growth remains balanced and focused on risk-adjusted return 1.6% (q/q) R$1,034 bi 9.6% (y/y) individuals total R$ 451.6 bi main products performance (%) 12M growth– in % q/q y/y 12.9 11.7 11.9 16.2 15.9 \\Individuals 2.1 13.8 9.6 13.3 13.8 Real Estate Fina
Slide 5: Consignado loan portfolio
consignado loan portfolio good results reflect commercial traction, a broad customer base and credit modeling Payroll loan Credit card Real estate R$101.9 bi Largest private player in this product +38.3% y/y in high income Origination Market Share Share increase in the Public and Social Security Nat
Slide 6: Net interest income
net interest income client NII client NII net of provisions R$18.6 bi 4.8% (q/q) 19.0% (y/y) R$10.1 bi 4.5 % (q/q) 18.1% (y/y) 3Q25 4.8 R$18.7 bi % 4.7 % 9.0 4.6 8.8 8.6 4.5 8.4 8.4 4.4 3.7% (q/q) 16.9% (y/y) R$ billion 17.8 18.6 R$ billion 16.8 9.6 10.1 15.6 16.2 8.5 9.1 8.0 expenses with
Slide 7: Loan quality indicators
loan quality indicators over 90-day non-performing loans - % restructured portfolio – R$ billion 5.3 4.8 5.4 (2) 4.3 5.2 5.1 5.1 5.1 4.0 3.7 4.4 36.5 5.1 4.3 4.3 4.1 (2) 4.2 34.8 31.6 4.0 30.1 28.3 4.2 5.0 4.8 4.1 (9.7) bi 4.0 4.1 5.7 3.7 0.3 0.4 0.4 32.3 0.1 0.1 30.7 26.7 25.3 reduction of 22.6 p
Slide 8: Fee and commission income
fee and commission income R$10.6 bi 2.8% (q/q) checking account / collections and payments 3Q25 6.9% (y/y) R$2.1 bi 0.9% (q/q) 5.6% (y/y) card income consortium management loan operations R$4.6 bi R$0.8 bi R$0.7 bi 11.0% (q/q) 0.0% (y/y) 3.6% (q/q) 13.8% (y/y) 7.7% (q/q) 22.1% (y/y) Traded
Slide 9: Operating expenses
operating expenses total de despesas operacionais 3Q25 personnel + administrative 3Q25 x 3Q24 R$16.5 bi (y/y) 3.3% (q/q) 5.5% (y/y) total operating expenses 9.6% excluding the amount 3.7% (q/q) 9.6% (y/y) distributed as profit sharing effect 2.5% (y/y) excluding Elopar and Cielo 8.4% Inf
Slide 10: Insurance, pension plans and capitalization bonds
insurance, pension plans and capitalization bonds revenues from insurance premiums, pension net income contributions and capitalization bonds 3Q25 10.3% (q/q) R$2.5 bi 6.5% (y/y) 3Q25 9M25 9M25 R$30 bi R$89 bi 1.5% (q/q) 5.8% (y/y) 0.9% (9M25 vs 9M24) R$7.3 bi 11.4% (9M25 vs 9M24) 9M25 | RO
Slide 11: Capital & dividends/IOC
capital & dividends/IOC basel ratio dividends/IOC - Gross 13.4 tier I 0.4 p.p. (q/q) R$ billion 13,0 0.7 p.p. (y/y) 11.3 11.3 10.6 13.0 2.0 10.2 1.9 9.2 1.9 11.1 11.4 common 0.3 p.p. (q/q) 11.1 equity 0.2 p.p. (y/y) 12M21 12M22 12M23 12M24 9M25 2021 2022 2023 2024 9M25 Jun e25 Setpt 11 10
Slide 12: Guidance 2025
Guidance 2025 Annual Indicator Actual 9M25 x 9M24 Expanded Loan Portfolio 4% to 8% 9.6% NII net of provisions R$37 bi to R$41 bi R$29.6 bi (Net interest income – expanded loan loss provisions) Fee and commission income 5% to 9% 9.2% Operating expenses (Personnel + administrative + others) 5% to 9% 1
Slide 13: Transforming all Bradesco
Transforming all Bradesco
Slide 14: 3Q25 advances
3Q25 Individual Clients: New segmentation structure (Private, Principal, Prime and Digital Retail) with advances a review of the value proposition and service model Bradesco Principal with 41 offices and expanding SMEs high income payments Footprint adjustment of -1,603 points vs. Sept24, exceding e
Slide 15: Next steps
next steps More clients in the new app for SMEs, increase in TPV, electronic platform for trading financial assets and derivatives Bradesco Principal with more than 300 thousand clients by the end of 2025, with 62 offices in 38 cities. Prime improving its value proposition and upgrading to more than
Slide 16: Efficient Gen AI that changes the day to day and generates results
we are the now. we build the future efficient Gen AI that changes the day to day and generates results Customer Productivity Increase Hyper-personalization Engagement Simulations and personalized investment in the +109% productivity app Customers: 100% coverage. Personalized investment plans offered
Slide 17: Conclusions
conclusions We maintain our commitment of increasing profitability, step by step Revenues as the main driver of profitability increase; Expenses under control Credit portfolio with balanced growth, prioritizing risk-adjusted return conclusões Moderate risk appetite and delinquency rates, portfolios
Slide 18: I AM BRADESCO
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