Q2 2025 Banco Bradesco SA Earnings Call Transcript

Jul 31, 2025 / 01:30 PM GMT

Release Date Price: €2.36 (+0.85%)

Transcript

Key Points

Positve

Bank Bradesco SA (BBD) reported a significant 28.6% year-on-year growth in recurring net income, reaching €6.1 billion.
The bank's total revenue increased by 15.1% year-on-year, with a 5.2% rise quarter-on-quarter.
Fee and commission income saw a notable increase of over 10% year-on-year and more than 5% quarter-on-quarter.
The insurance, pension plans, and savings bonds segment grew by 21.7% year-on-year and 6.5% quarter-on-quarter.
The bank's use of Gen AI has improved productivity and efficiency, contributing to consistent operating results.

Negative

There is an expected slowdown in economic activity and demand in the second half of the year, which may impact growth.
The bank's operating expenses grew by 5.8% year-on-year, which is in line with inflation but still a concern.
The net interest margin remains under pressure, affecting the bank's return on equity.
The bank faces challenges in maintaining growth in large corporate loans due to market conditions.
There is a need for structural changes to improve profitability in the low-income segment, which may require more digital services.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BBDC4.SA - Banco Bradesco SA
Q2 2025 Banco Bradesco SA Earnings Call
Jul 31, 2025 / 01:30PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Good morning everyone. I am Marceloroa.

I'm speaking directly from the headquarters of Prodes at to present our earnings results referring to the second quarter of 2025. We are speaking live. It is now 10:31 a.m. in Brazil.

Thank you very much to all of you for joining us in another earnings conference call.

I'll move straight to the point to what matters. We disclosed yesterday our earnings. We reached a recurring net income of â¬6.1 billion boasting a significant 28.6% growth year on year with an ROAE 14.6% plus up 3.2% points year on year. So what is the summary of our earnings in this quarter?

Firstly, we believe that our operating result showed consistency in all of the line items, particularly

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

7-Day Free Trial · Cancel Anytime

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.