Banco Bradesco Sa American Depositary Shares (BBD) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Next question comes from Carlos Gomez Lobos from HSBC. Carlos, the floor is yours. Thank you so much. Andre, team, congratulations on the results and congratulations on the capital increase. I had a question my traditional question on insurance. Your guidance for insurance is still six to 8%. Your result this first half of the year has been very strong, 14%. Should we expect a normalization in the second half of the year? And if I can add one more thing, you mentioned that you want to increase your tangible equity. Which tangible equity metric are you looking at? Is it tangible equity to assets or tangible equity to loans? And what level would you like to have? In my numbers, you have 5.9% tangible equity to assets. You used to have 6.5%, 7%. What level would you like to achieve? Thank you. Thank you, Carlos. Good to see you again. Thank you, Carlos. The next question comes from Tito Labarta from Goldman Sachs. Tito, please. Great. Thank you, Andre. Hi, Neronia, Casiano. Thank you for the call and taking my question. Just a follow-up on the loan growth. I guess two specific, lines on the corporate side, rural loans, right, jumped 20% in the quarter. I know you show in slide five there that your market share is much lower and your NPLs have actually improved over the last year, but larger peers that have much larger exposure are suffering quite a bit in that segment. Just to understand why you feel comfortable growing there. Also on the individual side, vehicles, you're also showing you're kind of gaining your fair share. That's also a segment where some of your peers are pulling back a little bit. We've seen some asset quality issues over the last year there as well. So just understand why why you're feeling comfortable to grow in those two lines. Thank you. Okay. Ti...