Marcelo Noronha
Chief Financial Officer
Replay available
Banco Bradesco Sa American Depositary Shares (BBD) Q4 2025 Earnings Call
Banco Bradesco Sa American Depositary Shares (NYSE: BBD) Q4 2025 earnings conference call, held 2026-02-06. Replay captured from the company's public earnings webcast.
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Pedro Leducchi
Analyst, Itaú BBA
Tito Labarta
Analyst, Goldman Sachs
Carlos Gomez Lopez
Analyst
Ivan Gontijo
CEO, Bradesco Insurance
Investor webinar replay
Watch the replay and follow the connected company analysis, news, and investor updates for Banco Bradesco Sa.
Replay transcript excerpt
WEBVTT 00:00:00.031 -- 00:00:02.595 Good morning, everyone. 00:00:02.595 -- 00:00:08.183 I am Marcelo Noronha. I'm here live from Cidade 00:00:08.183 -- 00:00:13.290 de Deus, the headquarters of Bradesco, for this early release presentation 00:00:13.290 -- 00:00:17.173 related to the fourth quarter of 2025. And 00:00:17.616 -- 00:00:22.724 why not say that the full year of 2025, today is February 6th, and 00:00:22.724 -- 00:00:27.451 my watch shows 10.31 a.m. 00:00:27.451 -- 00:00:30.536 I've started This presentation 00:00:30.536 -- 00:00:35.644 saying that all of this material has been released last night after 00:00:35.644 -- 00:00:38.729 the market closing, and I think you had access to it. 00:00:38.729 -- 00:00:43.818 And I start with our recurring net income, 6.5 billion barrels, growing 00:00:43.818 -- 00:00:46.402 26% year 00:00:46.402 -- 00:00:48.707 on year. and 24.7 00:00:48.707 -- 00:00:53.176 billion for the full year, 26.1% growth. 00:00:53.176 -- 00:00:58.883 And, however, with an ROE of 15.2%, exceeding 00:00:59.629 -- 00:01:03.537 our cost of capital for the first time in this quarter. 00:01:03.537 -- 00:01:08.908 And that's why we say that we will continue to grow our 00:01:08.908 -- 00:01:14.493 ROE equal as the coming quarters and years to come. 00:01:14.557 -- 00:01:16.841 Here I have all of the operating highlights. 00:01:16.841 -- 00:01:20.944 I'm not going to go over each one of them because 00:01:21.428 -- 00:01:26.296 I will change a little bit today's presentation and I would like to bring you some 00:01:26.296 -- 00:01:31.665 element related to our transformation plan that in fact 00:01:31.665 -- 00:01:36.774 was published February 7th of 2024, so less than 00:01:36.774 -- 00:01:38.817 two years ago. 00:01:38.817 -- 00:01:44.086 It will be...