Banco Bradesco (BBDC4) Investor presentation summary

Strategic positioning and ecosystem overview

• Consolidates the most comprehensive healthcare ecosystem in Brazil, integrating health insurance, dental, hospitals, diagnostics, and healthtechs for nationwide coverage and operational synergies.

• Ecosystem includes leading brands in each segment: Bradesco Saúde (health insurance), Odontoprev (dental), Atlântica (hospitals), Fleury (diagnostics), and Orizon (health data/tech).

• Leverages Bradesco's distribution channels, brand strength, and banking reach for cross-selling and customer access.

• Strategic ambition centers on sustained growth, profitability, robust capital structure, and recurring dividends.

• Maintains high corporate governance standards, with Novo Mercado listing and independent board.

Financial performance and growth

• Ecosystem revenue projected at R$52 billion and net income at R$3.6 billion for 2025, with a 51.7% net income CAGR from 2022-2025.

• ROAE expected at 23.7% in 2025, reflecting strong profitability.

• Addressable market exceeds R$435 billion, with multiple growth drivers across all health segments.

• Improved operational performance and maturing business units drive profitability and expansion.

• Consistent dividend distribution and strategic diversification support long-term value creation.

Market leadership and business units

• Holds #1 market share in health and dental plans, and is a leader in hospital services and diagnostic medicine.

• Odontoprev leads dental insurance with ~9 million beneficiaries and robust EBITDA margins.

• Atlântica Hospitais is the fourth largest hospital network in Brazil, with over 3,600 contracted beds and major partnerships.

• Fleury operates 570 diagnostic units and digital health platforms, with strong national presence and integration.

• Orizon is the largest health data company, serving 30 million people and 140+ operators.