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Banco Bradesco
Banco Bradesco (BBDC4) investor relations material
Banco Bradesco Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
Recurring net income reached BRL 6.5 billion in Q4 2025, up 20.6% year-over-year and 5.0% quarter-over-quarter; full-year 2025 net income was BRL 24.7 billion, up 26.1% from 2024, with ROAE at 15.2% in Q4, surpassing cost of capital.
Transformation plan launched in February 2024 focused on technology, digitalization, and operational efficiency, with over 200 initiatives implemented and accelerated execution for sustainable, customer-centric growth.
Digital retail clients reached 19 million, with a target of 40 million by 2026, and direct cost to serve reduced by 40x.
Affluent client segments upgraded, with 3.1 million clients and 62 new offices for the Principal segment, aiming for 4.7 million affluent clients by next year; Prime and Principal segments improved NPS and personalized service.
SME market share increased from 14.3% to 16.6% by September 2025, supported by digital and physical expansion, improved NPS, and enhanced digital onboarding.
Financial highlights
Total revenue in Q4 2025 was BRL 36.1 billion, up 2.9% quarter-over-quarter and 9.8% year-over-year; full-year revenue grew 13.2% over 2024.
Net interest income for Q4 2025 was BRL 19.2 billion, up 2.9% quarter-over-quarter and 13.2% year-over-year; client NII up 17.4%.
Fee and commission income reached BRL 11.1 billion in Q4 2025, up 4.6% quarter-over-quarter and 8.0% year-over-year.
Operating expenses increased 8.5% in 2025, mainly due to a 22% rise in technology investments and higher profit-sharing.
Insurance operations delivered ROE of 24.3% in Q4 2025 and nearly 22% for the year, with operating results and revenue growth exceeding guidance.
Outlook and guidance
Guidance for 2026 includes continued investment in technology, with expense growth of 6%-8% (3% from technology, 5% from HR/profit-sharing).
Loan portfolio expected to grow 8.5%-10.5%, with strong traction in SMEs and individuals.
CET1 ratio expected to remain around 11% throughout 2026, absorbing portfolio growth and regulatory adjustments.
ROE expected to continue rising, with management optimistic about surpassing 15.67% and aiming for a 40% efficiency ratio by 2028.
Insurance income and fee/commission income projected to grow 6%-8% and 3%-5%, respectively, in 2026.
When will transformation expense pressure subside?
Drivers of improved credit quality in 4Q25?
Prioritized sectors for R$450B ESG target?
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Next Banco Bradesco earnings date
Q1 202630 Apr, 2026
Banco Bradesco
Next Banco Bradesco earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services to individuals, corporates, and businesses in Brazil and internationally. The company operates through Banking and Insurance segments. It offers demand and time deposits, savings deposits, mutual funds, and a range of loans and advances, such as overdrafts, credit cards, and loans with repayments in installments; fund management and treasury services; foreign exchange services; corporate finance and investment banking services; hedge funds, proprietary trading funds, and private equity funds; securities brokerage services; leasing products; real estate products; pension plans; capitalization bonds; asset management services; auto insurance products; health insurance products; life insurance products; accident insurance products; non-life insurance products to individuals, small businesses, mid-sized companies, and large corporations for vehicles, risks inherent to professional activities or in the homes of individuals under the Bradesseguro name. The company also provides custody services for third parties' assets. In addition, it is involved in renting real estate properties consisting of shopping centers, theaters, hotels, office buildings for its own account or for third parties.
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