Banco Bradesco SA
NYSE:BBD
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Banco Bradesco SA
Banco Bradesco SA, one of Brazil's foremost financial powerhouses, stands as a testament to consistent adaptability in a dynamic banking landscape. Founded in 1943 in the bustling city of Marília, this bank grew from a modest local institution into a financial behemoth, resonating with millions of customers across Brazil. At its core, Bradesco embodies a universal banking model, offering a diversified portfolio of financial services. It operates through two main segments: banking and insurance. The banking wing caters to the needs of its clientele through personal and commercial banking services. From savings and current accounts to loans and credit, each product is meticulously crafted to weave into the financial fabric of individuals and businesses alike. Additionally, Bradesco's digital banking platform, Next, and its extensive network of branches nationwide ensure accessibility and convenience, making banking seamless for its customers.
Meanwhile, the insurance arm, through its subsidiary Bradesco Seguros, complements the banking operations, providing a broad array of insurance products, which include life, health, and auto insurance. This robust insurance division not only underpins revenue but also enriches Bradesco’s comprehensive service offerings, ensuring that customers receive financial protection that matches their diverse needs. The synergy between its banking and insurance operations allows Bradesco to cross-sell its products, enhancing customer retention and profitability. Furthermore, the bank has always been forward-thinking, embracing technology and innovation to stay ahead in a competitive market. Sustainable growth and investment in digital transformation remain at the forefront of its strategic initiatives, positioning Bradesco as not just a financial institution but a pivotal player steering the financial future of Brazil.
Banco Bradesco SA, one of Brazil's foremost financial powerhouses, stands as a testament to consistent adaptability in a dynamic banking landscape. Founded in 1943 in the bustling city of Marília, this bank grew from a modest local institution into a financial behemoth, resonating with millions of customers across Brazil. At its core, Bradesco embodies a universal banking model, offering a diversified portfolio of financial services. It operates through two main segments: banking and insurance. The banking wing caters to the needs of its clientele through personal and commercial banking services. From savings and current accounts to loans and credit, each product is meticulously crafted to weave into the financial fabric of individuals and businesses alike. Additionally, Bradesco's digital banking platform, Next, and its extensive network of branches nationwide ensure accessibility and convenience, making banking seamless for its customers.
Meanwhile, the insurance arm, through its subsidiary Bradesco Seguros, complements the banking operations, providing a broad array of insurance products, which include life, health, and auto insurance. This robust insurance division not only underpins revenue but also enriches Bradesco’s comprehensive service offerings, ensuring that customers receive financial protection that matches their diverse needs. The synergy between its banking and insurance operations allows Bradesco to cross-sell its products, enhancing customer retention and profitability. Furthermore, the bank has always been forward-thinking, embracing technology and innovation to stay ahead in a competitive market. Sustainable growth and investment in digital transformation remain at the forefront of its strategic initiatives, positioning Bradesco as not just a financial institution but a pivotal player steering the financial future of Brazil.
Profitability: Bradesco reported recurring net income of BRL 6.2 billion for Q3 2025, up 2.3% year-on-year, reflecting consistent profitability.
Revenue Growth: Total revenue reached BRL 30 billion, rising 13.1% year-on-year; growth was seen across net interest income, fees, commissions, and insurance.
Loan Portfolio: The total loan portfolio grew 9.6% year-on-year to BRL 1.34 trillion, with particularly strong growth (almost 25% YoY) in micro and SME segments.
Asset Quality: Delinquency rates and restructured portfolio improved, with restructured loans dropping by nearly BRL 10 billion YoY and secured loans now close to 60% of the portfolio.
Cost Control: Operating expenses are well-controlled, growing 9.6% YoY, but with personnel and admin expenses up only 5.5% YoY; core expense growth would be just 2.5% if variable compensation was excluded.
Insurance Performance: The insurance group delivered strong profitability, with net income up 6.5% YoY and ROE above 21%.
Guidance & Outlook: Management expects loan portfolio growth near the top end of guidance and sees most key metrics tracking at the upper end of full-year targets.
Credit Policies: Bradesco is resuming growth in private payroll loans with much lower NPL than the market and continues to focus on secured and well-collateralized lending.
