Banco Bradesco (BBDC4) investor relations material

Corporate profile and culture

• Emphasizes an evolving, people-centric culture with empowered teams and a strong focus on customer needs and results.

• Maintains a robust governance structure with 11 board members, 7 external, and 4 independents, and multiple board committees.

• Shareholder base is diversified, with significant free float and strong representation from institutional and foreign investors.

• Implements a streamlined organizational structure to enhance decision-making and customer centricity.

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 stand at 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 insurance operations sustained high ROAE.

Loan portfolio and credit quality

• Expanded loan portfolio grew 8.4% YoY, with individuals accounting for R$474 billion and companies R$616 billion.

• 69% of individual loans are secured, reflecting a conservative credit approach.

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

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