Banco Bradesco (BBDC4) investor relations material

Financial performance and profitability

• Recurring net income reached R$7.1 billion in 2Q26, up 16.2% year-over-year, marking ten consecutive quarters of growth.

• Return on average equity (ROAE) improved to 16.2% in 2Q26.

• Total assets stood at R$2.5 trillion, with an expanded loan portfolio of R$1.137 trillion.

• Operating expenses grew 3.4% year-over-year, below inflation, supporting profitability.

• Basel ratio at 13.6% (Tier I), with a proposed capital increase of up to R$10 billion.

Loan portfolio and credit quality

• Loan portfolio expanded 11.6% year-over-year, with growth in both individuals and companies.

• 69% of individual loans are secured, prioritizing lower risk and higher spreads.

• Non-performing loans remained stable and within expectations, with NPL coverage at 101% for stage 3.

• Loan loss provisions increased 4.8% year-over-year, reflecting prudent risk management.

• SME credit market share reached 17.4% in March 2026.

Digital transformation and innovation

• 99% of transactions are digital, with significant investments in AI and cloud migration.

• Over 2.3 billion AI-driven client interactions and 386 active startups in the innovation ecosystem.

• Digital retail and SME apps enhanced with new features, supporting 40+ million fully digital clients by end-2026.

• Digital acceleration and open finance are key pillars for new business models.