Banco Bradesco (NYSE: BBD) outlines 2026 loan and income growth targets

Rhea-AI Filing Summary

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.

Insights

Banking sector analyst

Bradesco sets moderate 2026 growth targets across lending, income and costs.

Banco Bradesco provides quantitative guidance that frames expectations for 2026 performance. It targets expanded loan portfolio growth of 8.5% to 10.5%, indicating planned expansion of its credit book while managing risk through associated provisions.

Net interest income net of expanded loan loss provisions is guided to R$42 to R$48 billion, alongside fee and commission income growth of 3% to 5%. Operating expenses are expected to increase 6% to 8%, broadly in line with revenue-related items, and insurance, pension and capitalization income is also guided to rise 6% to 8%. These ranges provide a structured view of management’s current assumptions, though the company stresses they are forward-looking and subject to economic and market uncertainties.

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 6-K

REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE

SECURITIES EXCHANGE ACT OF 1934

For the month of February, 2026

Commission File Number 1-15250

BANCO BRADESCO S.A. 

(Exact name of registrant as specified in its charter)

BANK BRADESCO

(Translation of Registrant's name into English)

Cidade de Deus, s/n, Vila Yara
06029-900 - Osasco - SP
Federative Republic of Brazil

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover Form 20-F or Form 40-F.  Form 20-F ___X___ Form 40-F _______

 Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing the information to the Commission pursuant to Rule 12g3-2(b) under the Securities Exchange Act of 1934.  

Yes _______ No ___X____

 .

 

In compliance with the provisions of Paragraph 4 of Article 157 of Law No. 6,404/1976 and Resolution of Brazilian Securities and Exchange Commission (CVM) No. 44/2021, Banco Bradesco S.A. informs the market its 2026 growth guidance:

Indicator		Guidance
	Expanded Loan Portfolio			8.5% to 10.5%
NII Net of provisions (Net Interest Income – Expanded Loan Loss Provisions) – R$ billion		R$42 to R$48
Fee and Commission Income		3% to 5%
Operating Expenses (Personnel + Administrative + Other)		6% to 8%
Income from Insurance, Pension Plans and Capitalization Bonds		6% to 8%

The projections are not guarantee of future performance and involve risks and uncertainties, as they are based on premises and depend on future events that may not happen.

For further details, please refer to Bradesco 4Q25 - Economic and Financial Analysis Report, available on www.bradescori.com.br.

Cidade de Deus, Osasco, SP, February 5, 2026

André Costa Carvalho

Investor Relations Officer

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Date: February 5, 2026

BANCO BRADESCO S.A.
By:		/S/André Costa Carvalho
		André Costa Carvalho Investor Relations Officer

FORWARD-LOOKING STATEMENTS

This press release may contain forward-looking statements. These statements are statements that are not historical facts, and are based on management's current view and estimates of future economic circumstances, industry conditions, company performance and financial results. The words "anticipates", "believes", "estimates", "expects", "plans" and similar expressions, as they relate to the company, are intended to identify forward-looking statements. Statements regarding the declaration or payment of dividends, the implementation of principal operating and financing strategies and capital expenditure plans, the direction of future operations and the factors or trends affecting financial condition, liquidity or results of operations are examples of forward-looking statements. Such statements reflect the current views of management and are subject to a number of risks and uncertainties. There is no guarantee that the expected events, trends or results will actually occur. The statements are based on many assumptions and factors, including general economic and market conditions, industry conditions, and operating factors. Any changes in such assumptions or factors could cause actual results to differ materially from current expectations.

FAQ

What 2026 loan growth guidance did Banco Bradesco (BBD) provide?

Banco Bradesco expects its expanded loan portfolio to grow between 8.5% and 10.5% in 2026. This range indicates planned expansion in lending volumes, reflecting management’s view of demand for credit and acceptable risk levels in its core banking operations.

What is Banco Bradesco (BBD) 2026 guidance for net interest income?

For 2026, Banco Bradesco projects net interest income net of expanded loan loss provisions between R$42 billion and R$48 billion. This metric reflects the spread the bank earns on its loan book after considering expected credit losses for the period.

How much fee and commission income growth is Bradesco guiding for 2026?

Banco Bradesco guides fee and commission income growth of 3% to 5% in 2026. This includes revenues from services like account fees, payments and asset management, and helps diversify earnings beyond traditional interest income from the loan portfolio.

What are Banco Bradesco’s 2026 operating expense expectations?

Bradesco expects operating expenses, including personnel, administrative and other costs, to increase 6% to 8% in 2026. This guidance frames anticipated cost growth relative to projected revenue, highlighting management’s assumptions about inflation, business activity and efficiency initiatives.

What 2026 guidance did Bradesco give for insurance and pension income?

Income from insurance, pension plans and capitalization bonds is guided to grow 6% to 8% in 2026. These businesses provide recurring fee-like earnings and complement the bank’s traditional lending, contributing to more diversified revenue streams across financial services.

Are Banco Bradesco’s 2026 projections guaranteed outcomes?

No. Bradesco states its 2026 projections are not guarantees and involve risks and uncertainties. They are based on management’s current assumptions about economic and market conditions, and actual results may differ materially if those assumptions or external factors change.