Banco Bradesco (BBDC4) investor relations material

Corporate profile and governance

• Operates with a diversified business model, including banking, insurance, asset management, and healthcare, with a strong presence in Brazil and international markets.

• Shareholder structure is well-diversified, with significant free float and strong participation from institutional and foreign investors.

• Governance includes a board with a majority of external and independent members, and robust board committees focused on risk, audit, ethics, and sustainability.

• Organizational structure emphasizes customer-centricity, digital transformation, and streamlined decision-making.

• Corporate culture prioritizes empowerment, diversity, ethics, and results-driven teamwork.

Financial performance and key metrics (1Q26)

• Recurring net income reached R$ 6.8 billion, up 16.1% YoY, with ROAE at 15.8%.

• Total assets amounted to R$ 2.5 trillion, with an expanded loan portfolio of R$ 1.09 trillion.

• Total revenues grew 14% YoY to R$ 36.9 billion, driven by net interest income and insurance operations.

• Cost of risk increased due to specific wholesale and agribusiness cases, but risk appetite remains moderate.

• Basel ratio at 14.5% and liquidity coverage ratio at 161.6%, indicating a strong capital and liquidity position.

Loan portfolio and credit quality

• Loan portfolio grew 8.4% YoY, with individuals accounting for 43.5% and companies 56.5%.

• High percentage of secured loans, especially among individuals (69%).

• Delinquency ratio over 90 days remains stable, and restructured portfolio continues to decline.

• Loan loss provisions increased 26.5% YoY, with 93% of the portfolio in stages 1 and 2.

• Conservative credit origination with a focus on secured lines and lower restructuring.