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. 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 R$23.9 billion, up from R$17.5 billion in 2024. Earnings per common share reached R$2.13 and preferred share EPS was R$2.35.
Total deposits rose to R$728.0 billion, an increase of 12.2%, while the expanded loan portfolio grew 11.0% to R$1,089.2 billion, with both individual and corporate segments expanding. Securities reached R$925.4 billion, up 19.4%, and Tier I capital stood at 13.2%, supporting balance sheet strength.
Bradesco paid R$14.5 billion (gross) in interest on shareholders’ equity in 2025, a 36.4% year‑on‑year increase, and approved complementary distributions of R$3.9 billion for December 2025. The bank highlights continued investment in AI‑driven technology, sustainability financing of R$381.9 billion over 2021–2025, and reinforced governance and risk management structures.
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.
Banco Bradesco S.A. reported that it has paid interim interest on shareholders’ equity totaling R$3,000,000,000.00. The payment was made on January 30, 2026, as previously announced in a Material Fact dated June 18, 2025, which otherwise remains unchanged.
The company also reiterates standard forward-looking statement cautions, noting that expectations about future performance and dividend declarations depend on economic conditions, industry factors and operating assumptions, and that actual results may differ materially from current management estimates.
Banco Bradesco S.A. updated the amounts it will pay as monthly interest on shareholders’ equity for 2026 after a change in Brazilian tax law (Supplementary Law No. 224/25). The gross amounts will be R$0.017249826 per common share and R$0.018974809 per preferred share.
After withholding income tax of 17.5%, the net payments will be R$0.014231106 per common share and R$0.015654217 per preferred share, while tax‑exempt legal entities receive the gross amounts. Bradesco kept its current monthly payment system and published a 2026 schedule with declaration, ex-right, and payment dates running from January 2026 through January 2027.
Shareholders with updated records will receive credits automatically through their banks or brokers, and those with outdated details are instructed to update their information at a Bradesco branch.
Banco Bradesco S.A. plans to hold its next Annual General Meeting on March 10, 2026, in line with its previously disclosed corporate events calendar. The bank states that detailed information and guidelines for shareholders, including the Call Notice and the AGM Manual, will be provided later through its Investor Relations website and the websites of the Brazilian Securities and Exchange Commission (CVM) and B3, the Brazilian stock exchange.
Banco Bradesco S.A. reported that it renewed its related-party service agreement with Cielo S.A., a company in which Bradesco participates in the controlling group through subsidiaries. The contract covers intermediation, capture, referral and maintenance services to bring commercial establishments into the Cielo payment system and is set to be automatically extended every twelve months.
Management states that the agreement was approved through internal procedures, follows the company’s related-party policy, and was carried out under market conditions, with attention to governance, ethics, transparency and absence of conflicts of interest. Supporting documents are available at Bradesco’s head office.
Banco Bradesco S.A. filed a Form 6-K detailing share transactions by its controlling group, management, and related parties for December 2025. The controlling shareholders maintained their positions with 3,811,582,439 common shares and 121,067,106 non-voting shares, with no trades during the month.
Members of the Board of Directors carried out sales of non-voting shares, totaling 57,095 shares for about R$ 1,108,782.19, with common share holdings unchanged. The Executive Officers conducted a larger volume of non-voting share sales, totaling 120,900 shares and roughly R$ 2,216,245.30, alongside securities lending transactions, while keeping a relatively small common share position.
One technical and advisory group bought 3,000 non-voting shares for R$ 55,110.00. Numerous controlled and related entities reported either zero holdings or no trading activity, so overall ownership structures remained broadly stable.