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Daniel Vas

Research Analyst at Safra

No comprehensive information about Daniel Vas as an analyst at Safra, including specific career history, performance metrics, or professional credentials, is available from publicly indexed sources or LinkedIn. There is no evidence of publicly reported company coverage, investment performance, or relevant securities licenses for Daniel Vas at Safra. Without confirmation from professional profiles or industry databases, further details about their exact role, coverage focus, or notable professional achievements cannot be established.

Daniel Vas's questions to BANK BRADESCO (BBD) leadership

Daniel Vas's questions to BANK BRADESCO (BBD) leadership • Q2 2025

Question

Daniel Vas of Safra inquired about the expected impact of an economic slowdown on small and medium-sized enterprises (SMEs) and the role of Cielo in Bradesco's new SME segmentation strategy.

Answer

CEO Marcelo Morojin explained that while smaller companies face risks, Bradesco sees opportunities by using advanced credit modeling and portfolio management to identify resilient businesses. The bank is focusing on secured loans and government-backed programs, which offer better risk-adjusted returns. He added that Cielo is integrated via APIs to provide targeted services, which has helped increase market share within Bradesco's client base.

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Daniel Vas's questions to BANK BRADESCO (BBD) leadership • Q2 2025

Question

Inquired about the impact of the economic slowdown on small SMEs (up to BRL 3 million revenue), the opportunities the bank sees in this segment, and the role of the acquiring business, Cielo.

Answer

The bank manages risk in the SME segment through advanced credit modeling and by prioritizing secured loans and government-backed programs (FGO, FGI), which offer better risk-adjusted returns. They see an opportunity to build long-term relationships. Cielo is being integrated via APIs to offer targeted services and increase market share within this client base. The bank is confident in its overall loan book quality.

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