Marcelo Cassiani
Chief Financial Officer
Replay available
Banco Bradesco Sa American Depositary Shares (BBD) Q2 2025 Earnings Call
Banco Bradesco Sa American Depositary Shares (NYSE: BBD) Q2 2025 earnings conference call, held 2025-07-31. Replay captured from the company's public earnings webcast.
Hosted by
Featured presenters
Octávio de Lazari Jr.
Chief Executive Officer
Ivan Gontes
CEO of the Insurance Group
Tiago Batista
Analyst
Daniel Vaz
Analyst, Safra
Pedro Leduc
Analyst, Itaú BBA
Gustavo Schroeder
Analyst, Citibank
Investor webinar replay
Watch the replay and follow the connected company analysis, news, and investor updates for Banco Bradesco Sa.
Replay transcript excerpt
WEBVTT 00:00:02.596 -- 00:00:04.596 Thank 00:00:07.603 -- 00:00:09.603 you 00:00:18.157 -- 00:00:23.164 very much to all of you for joining us in another 00:00:23.164 -- 00:00:29.034 earnings conference call. I'll move straight to the point, to what matters. 00:00:29.034 -- 00:00:34.384 We disclosed yesterday our earnings. We reached a recurring net income of 6.1 00:00:34.384 -- 00:00:39.831 billion euros, posting a significant... 00:00:40.109 -- 00:00:42.109 ROAE 00:00:42.232 -- 00:00:43.695 14.6% 00:00:43.695 -- 00:00:46.216 plus up 3.2 percentage 00:00:46.219 -- 00:00:48.219 points 00:00:48.282 -- 00:00:50.282 year-on-year. 00:00:50.285 -- 00:00:55.153 So what is the summary of our earnings in this quarter? 00:00:55.153 -- 00:01:00.882 Firstly, we believe that our operating results showed consistency. 00:01:00.882 -- 00:01:04.588 In all of the line items, particularly 00:01:04.588 -- 00:01:09.775 in the top line, in the main revenue streams, 00:01:09.775 -- 00:01:15.885 and I mentioned NII, NII, net of provisions, 00:01:15.885 -- 00:01:17.968 fee income, 00:01:17.968 -- 00:01:23.356 fee and commissions, income specially, fees, and another good quarterly result 00:01:23.356 -- 00:01:29.804 of the insurance group. Operating expenses are under control. 00:01:29.804 -- 00:01:33.307 The loan book is absolutely under control. 00:01:33.307 -- 00:01:36.951 Over 90-day NPL is indicated. 00:01:36.951 -- 00:01:42.256 Over 15-day NPL, all under control. Stage 3 as well, as 00:01:42.256 -- 00:01:47.220 I will be showing you momentarily. So the organization has a lot of traction. 00:01:47.220 -- 00:01:51.464 And matching the plan that we presented in February of last year. 00:01:51.464 -- 00:01:56.613 So we have changed the bank. and runs a bank very well connected with 00:01:5...