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Banco Bradesco S.A. responded to a request from the Brazilian securities regulator about media comments on its agribusiness growth targets. The article cited a projection of 15%–20% growth in the direct agribusiness portfolio in 2026, on a base then estimated at R$ 120 billion.
Bradesco explains that these rural credit projections are already included in its previously released guidance, so it did not see a need to publish a separate material fact. The bank emphasizes that these projections are not guarantees of future performance and are subject to risks and uncertainties.
It also cites applicable Brazilian regulations, including Resolution No. 44/2021, and reiterates that any material facts or changes in projections will be disclosed to the market in a timely manner through the appropriate channels.
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 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.