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. filings document the foreign-issuer disclosures of a Brazilian financial institution whose American depositary shares represent preferred shares. The company furnishes Form 6-K reports covering IFRS consolidated financial statements, management analysis, loan portfolio composition, funding sources, loan-loss provisions, fee income, operating expenses, Basel indicators and economic perspectives.
The filing record also includes disclosures on Bradesco Seguros, digital and customer-service channels, international operations, and healthcare-asset consolidation involving Bradsaúde. Other reports cover CVM/B3 correspondence, material notices to the market, governance matters, controller and director securities transactions, and ownership information relevant to Bradesco's capital structure and ADR investors.
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 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.