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    Gustavo Schroeder • Citigroup

    Gustavo Schroeder's questions to Banco Bradesco SA (BBD) leadership

    Gustavo Schroeder's questions to Banco Bradesco SA (BBD) leadership • Q2 2025

    Question

    Gustavo Schroeder of Citigroup questioned the timeline for efficiency improvements to be reflected in the bank's financial results and asked if the market NII could surpass the BRL 1 billion mark for the year.

    Answer

    Executive Cassiano stated that while the efficiency ratio has already improved, more significant gains are expected from 2026 onwards as the transformation plan matures. For market NII, he confirmed the soft guidance is now between BRL 700 million and BRL 1 billion, acknowledging the next two quarters will be challenging but supported by a good strategy. CEO Marcelo Morojin added that competitiveness is the priority, even if it requires more expense in the short term.

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    Gustavo Schroeder's questions to Banco Santander Brasil SA (BSBR) leadership

    Gustavo Schroeder's questions to Banco Santander Brasil SA (BSBR) leadership • Q2 2025

    Question

    Gustavo Schroeder from Citigroup Inc. asked for more detail on asset quality, questioning if the increase in Stage 2 and 3 loan exposures was driven by segments beyond SMEs. He also inquired about the bank's write-off policy, noting it appeared different from industry peers.

    Answer

    An executive explained that the increase in Stage 3 exposure was mainly due to court reorganizations in the large corporate and agribusiness portfolios. CEO Mario Roberto Opice Leão added that the bank's write-off policy is to anticipate losses on portfolios with low recovery probability and that all new negotiation agreements require a cash component, which accelerates write-offs and results in a cleaner, healthier portfolio over time.

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