BANK BRADESCO (BBD) Company Report

Bradesco reported recurring net income of R$6.2 billion in Q3 2025, an 18.8% year-over-year increase and a 2.3% quarter-over-quarter increase, with ROAE reaching 14.7%.
Total revenue for Q3 2025 was R$35.0 billion, growing 13.1% year-over-year and 3.0% quarter-over-quarter, driven by strong performance in net interest income, fee and commission income, and insurance income.
The expanded loan portfolio reached R$1,034 billion in September 2025, growing 9.6% year-over-year and 1.6% quarter-over-quarter, while the delinquency ratio remained stable at 4.1%.
The company maintained robust capital levels with a Tier 1 capital ratio of 13.4% and a common equity ratio of 11.4% in Q3 2025.
For the first nine months of 2025, expanded loan portfolio growth of 9.6% and income from insurance, pension plans, and capitalization bonds growth of 21.7% both exceeded their respective annual guidance ranges.

Oct 30, 2025, 2:54 PM

Bradesco Reports Strong Q3 2025 Financial Performance

BBD

Earnings

Dividends

Recurring net income for Q3 2025 reached R$6,205 million, marking a 2.3% increase quarter-over-quarter and an 18.8% rise year-over-year.
The company demonstrated strong revenue growth with Client Net Interest Income (NII) at R$18,611 million in Q3 2025, up 4.8% quarter-over-quarter, and Fee and Commission Income at R$10,592 million, an increase of 2.8% quarter-over-quarter.
Capital adequacy remained robust in Q3 2025, with a Basel Tier I ratio of 13.4% and a Total Ratio of 15.9%, both exceeding regulatory minimums.
Asset quality indicators were stable, with the loan indicators over 90 days ratio holding at 4.1% quarter-over-quarter in Q3 2025.
The Board of Directors approved interest on shareholders' equity payments totaling R$8,300,000 thousand for various periods in 2025, with distributions extending through April 30, 2026.

Oct 30, 2025, 2:43 PM

Bradesco Reports Q3 2025 Financial Results and Shareholder Actions

BBD

Earnings

Dividends

Share Buyback

For the nine-month period ended September 30, 2025, Bradesco reported a net income of R$17,382,943 thousand, with basic earnings per common share of R$1.54 and basic earnings per preferred share of R$1.70.
As of September 30, 2025, the company's total assets stood at R$2,202,774,724 thousand, with total liabilities at R$2,026,630,297 thousand, and total shareholders' equity at R$176,144,427 thousand.
Bradesco reported net cash used in operating activities of R$42,681,666 thousand for the nine-month period ended September 30, 2025.
The Board of Directors approved interest on shareholders' equity payments for the first and second halves of 2025, totaling R$8,300,000 thousand. A new share buyback program was also authorized from May 8, 2025, to November 8, 2026, for up to 106,584,881 shares.

Oct 30, 2025, 2:40 PM

BBD Discusses Q3 2025 Financial Performance and Strategic Priorities

BBD

Earnings

Demand Weakening

Guidance Update

Financial margins experienced a year-over-year decrease.
The company observed a significant decline in demand and saving deposits.
The insurance segment delivered strong results, with health insurance earnings reaching twice the level of the previous year.
Despite a strategic plan to increase loan market share from 14% to 15-19%, it has remained relatively stable.

Oct 30, 2025, 1:30 PM

Bradesco Q3 2025 Earnings Call Discusses Deposits, Insurance, and Loan Strategy

BBD

Earnings

Demand Weakening

Analysts inquired about a significant decline in demand and saving deposits and its potential link to the company's footprint reduction, as well as its current market share in these areas.
The sustainability of strong insurance results was questioned, specifically regarding health insurance, where earnings have doubled compared to the previous year.
Discussions included the company's strategic plan to potentially increase its loan market share from 14% to 15-19% and the importance of this for improving profitability.

Oct 30, 2025, 1:30 PM

Banco Bradesco S.A. Reports September 2025 Share Movements

BBD

Share Buyback

Banco Bradesco S.A. filed a 6-K report for the third quarter of 2025 on October 14, 2025.
In September 2025, Banco Bradesco S.A. executed buy operations totaling 972,701 Non-Voting Shares for a value of R$17,149,289.16.
The closing balance of Non-Voting Shares for the company as of September 2025 was 44,764,542.
The Board of Executive Officers also conducted buy operations of Non-Voting Shares in September 2025.

Oct 14, 2025, 10:06 AM

Earnings Transcripts

Quarterly earnings call transcripts for BANK BRADESCO.

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