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    Eduardo Michivo

    Research Analyst at Genial Investimentos

    Eduardo Nishio is Chief Equity Analyst at Genial Investimentos, specializing in coverage of the Brazilian equity market with focus areas including financials, utilities, and other key sectors. He closely tracks major companies such as Ambev, Neoenergia, Equatorial Energia, and sanitation and energy firms, providing research that has guided top-performing portfolios which have outpaced the Ibovespa since the post-pandemic period. Nishio's career includes advancing through research roles to head the equities analysis team at Genial Investimentos, where he is recognized for his data-driven approach and timely market insights. He holds professional certifications in financial analysis, demonstrating his commitment to rigorous investment research and regulatory compliance.

    Eduardo Michivo's questions to BANK BRADESCO (BBD) leadership

    Eduardo Michivo's questions to BANK BRADESCO (BBD) leadership • Q2 2025

    Question

    Eduardo Michivo of Genial Investimentos requested an update on the bank's transformation strategy, asking which initiatives beyond footprint reduction are releasing value and what aspects of the plan are working well.

    Answer

    Executive Cassiano highlighted several key levers: the massive use of GenAI to improve productivity, upskilling the workforce, growing the 'principal' high-income segment, and reengineering legal processes. He noted a 94% efficiency improvement in technology, allowing the bank to deliver 4x more than in 2023. CEO Marcelo Morojin added that the growth of specialized company segments and new cash services are also key value drivers.

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    Eduardo Michivo's questions to BANK BRADESCO (BBD) leadership • Q2 2025

    Question

    Requested a strategic update beyond the physical footprint reduction, asking about other value-releasing initiatives and which parts of the overall plan are performing well.

    Answer

    The bank is optimistic. Key strategic levers include the massive use of GenAI to boost productivity (tech delivery is up 4x vs. 2023), upskilling employees, growing specialized segments like 'principal offices', and enhancing digital platforms for all customer types. The new corporate culture is also cited as a key driver of progress.

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