Welcome to our dedicated page for Banco Bradesco SEC filings (Ticker: BBD), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Banco Bradesco S.A. (BBD) SEC filings provide detailed, official information on the Brazilian bank’s operations, governance and capital structure for holders of its American Depositary Shares. As a foreign private issuer, Banco Bradesco files annual reports on Form 20-F and furnishes current information on Form 6-K, making these documents a primary source for understanding the BBD investment case.
On this page, investors can review Form 6-K current reports that cover a wide range of topics. These include economic and financial analysis reports with managerial commentary on recurring net income, net interest income, loan portfolio composition, delinquency indicators, fee and commission income, insurance results and capital ratios. The filings also discuss transformation initiatives, footprint adjustments and sustainable business financing targets.
Another key group of filings relates to interest on shareholders’ equity and other capital distributions. Banco Bradesco S.A. discloses its systematic monthly payment schedule, as well as interim and supplementary interest on shareholders’ equity, specifying total amounts and per-share values for common and preferred shares, tax treatment and the role of these payments in mandatory dividends. These documents help investors understand how the bank returns capital to shareholders of both local shares and BBD ADSs.
The filings also contain consolidated forms on insider and controlling shareholder positions. These tables show opening balances, month movements and closing balances of common and non-voting shares held by the controller, board of directors, executive officers, audit committee, technical and advisory agencies, treasury and controlled entities. They detail buy, sell and securities lending operations, offering transparency on insider activity.
Additional 6-K reports address related-party transactions and strategic investments, such as the renewal of an intermediation services agreement with Cielo S.A. and hospital investment agreements through Atlântica Hospitais e Participações S.A. An annual calendar of corporate events sets out planned dates for financial statement releases, quarterly information, shareholder meetings and analyst presentations.
Stock Titan’s platform surfaces these SEC filings in real time from EDGAR and adds AI-powered summaries to highlight the most relevant sections, whether you are looking at a lengthy financial analysis, a schedule of interest on shareholders’ equity, or detailed insider shareholding tables. This helps investors quickly interpret Form 6-K and Form 20-F disclosures for Banco Bradesco S.A. without reading every page.
Banco Bradesco S.A. filed a report summarizing January 2026 share positions and trades by management, their families, treasury, and numerous controlled and related companies. Most groups, including the controlling shareholder group, board of directors, audit committee, technical bodies, treasury, and affiliates, showed no operations in securities or derivatives during the month and unchanged balances.
The only reported trades came from the Board of Executive Officers, which executed sales of non-voting shares totaling 41,869 shares for R$ 771,813.04, plus a securities lending credit of 3,942 non-voting shares for R$ 72,059.76. After these movements, this group held 68,136 common shares and 10,767,054 non-voting shares. The controller group maintained holdings of 3,811,582,439 common shares and 121,067,106 non-voting shares with unchanged participation percentages.
Banco Bradesco is calling special and annual shareholders’ meetings, to be held exclusively digitally on March 10, 2026, to vote on key capital, governance and payout decisions. The board proposes increasing share capital by R$6.67 billion, from R$87.1 billion to R$93.77 billion, through capitalization of the Legal Reserve, without issuing new shares or bringing in fresh cash.
Shareholders will also vote on updating the bylaws to allow profit sharing for management, with the Board of Directors empowered to set amounts within Brazilian legal limits. For 2025, Bradesco reports net income of R$24.55 billion and proposes allocating R$1.06 billion to the Legal Reserve, R$5.67 billion to the Statutory Reserve and R$14.50 billion as interest on shareholders’ equity. Of this payout, R$7.60 billion has already been paid and R$6.90 billion is scheduled for payment in 2026, corresponding to about 61% of adjusted net income and satisfying the 30% mandatory dividend rule.
Banco Bradesco S.A. is calling combined special and annual shareholders’ meetings for March 10, 2026, held exclusively digitally, to vote on key capital, governance and payout decisions.
Shareholders will consider a R$6.67 billion increase in share capital, from R$87.1 billion to R$93.77 billion, by capitalizing part of the legal profit reserve with no new shares or cash raised. They will also vote on a bylaw change to allow profit sharing for management, with the Board of Directors empowered to set amounts within Brazilian legal limits. For 2025, net income of R$24.55 billion is proposed to be allocated to R$1.06 billion for the legal reserve, R$5.67 billion to the statutory reserve and R$14.50 billion as interest on shareholders’ equity, of which R$7.60 billion has been paid and R$6.90 billion will be paid in 2026, corresponding to about 61% of adjusted net income. The meetings will also vote on approval of 2025 financial statements, election of Board and Fiscal Council members, and 2026 compensation for management and the Fiscal Council.
Banco Bradesco S.A. is calling Special and Annual Shareholders’ Meetings to be held cumulatively on March 10, 2025 at 4:00 p.m., in an exclusively digital format. The bank cites Brazilian Resolution No. 81/22, noting that virtual meetings broaden participation for shareholders in Brazil and abroad and reduce costs.
Shareholders, legal representatives, or attorneys-in-fact may participate and vote through an electronic platform, following procedures in the company’s Manual and Distance Voting Ballot. A request to participate, with required identification and ownership documents, must be submitted by March 8, 2026. Representation rules follow Brazilian corporate law, and foreign corporate documents must be translated into Portuguese and registered. All legal documents and further information are available on Bradesco’s investor relations and regulatory websites.
Banco Bradesco S.A. reports stronger 2025 consolidated IFRS results, with net income of
Total deposits rose to
Bradesco paid
Banco Bradesco delivered stronger results in 4Q25 and for 2025, combining higher profitability with stable asset quality and solid capital. Recurring net income reached R$6.5 billion in 4Q25, with ROAE of 15.2%, and totaled R$24.7 billion in 2025, up 26.1% versus 2024.
Total quarterly revenues were R$36.1 billion, rising 9.8% year over year, driven by net interest income of R$19.2 billion (+13.2% y/y) and fee and commission income (+8.0% y/y). The expanded loan portfolio grew to R$1.089 trillion, up 11.0% year over year, led by micro, small and medium-sized enterprises and individuals.
The over‑90‑day delinquency ratio stayed at 4.1% for the third consecutive quarter, while the restructured portfolio fell 23% in 12 months and coverage levels remained high. Insurance operations generated R$10.1 billion net income in 2025, with 21.9% ROAE and improved claims ratios. Bradesco’s efficiency ratio improved by 2.2 percentage points in the year, as revenues grew 13.2% and operating expenses rose 8.5%. Capital remained strong, with a 13.2% Tier 1 ratio and 11.2% common equity ratio at year‑end 2025, above regulatory minimums, supporting 2026 guidance for further loan and revenue growth.
Banco Bradesco reports strong 2025 results, with net income of R$24.7 billion, up 26.1% from 2024, and 4Q25 profit of R$6.5 billion. Return on average equity reached 15.2% in the quarter, above the bank’s cost of capital, marking eight consecutive quarters of profitability growth.
Total revenues were R$36.1 billion in 4Q25, rising 9.8% year over year, supported by net interest income of R$19.2 billion and solid fee and commission income. The expanded loan portfolio grew 11.0% year over year to R$1.089 trillion, with balanced expansion across individuals, SMEs and large corporates, while the over-90-day delinquency ratio held at 4.1%.
Credit costs eased slightly, with the annualized cost of credit at 3.2% in 4Q25 and problem assets in the restructured portfolio declining. The efficiency ratio improved by 2.2 percentage points in 2025 as revenues outpaced operating expense growth. Capital remained robust, with a Tier 1 ratio of 13.2% and common equity ratio of 11.2% at year-end 2025.
Banco Bradesco S.A. released its 2026 growth guidance, setting targets for lending, revenue and costs. The bank expects its expanded loan portfolio to grow 8.5% to 10.5%, signaling planned credit expansion for the year.
Net interest income net of expanded loan loss provisions is projected between R$42 billion and R$48 billion. Fee and commission income is expected to rise 3% to 5%, while operating expenses (personnel, administrative and other) are guided to increase 6% to 8%. Income from insurance, pension plans and capitalization bonds is also projected to grow 6% to 8%. Management emphasizes these projections are not guarantees and depend on future economic and market conditions.
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