Welcome to our dedicated page for Banco Bradesco SEC filings (Ticker: BBDO), 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.
The Banco Bradesco S.A. (BBDO) SEC filings page on Stock Titan brings together the bank’s U.S. regulatory disclosures, primarily its Form 6-K current reports filed as a foreign private issuer under Form 20-F. In these documents, the company, also identified as Bank Bradesco, provides detailed information on insider activity, related-party transactions, shareholdings, and its corporate reporting calendar.
Many of the 6-K filings contain consolidated forms that track securities and derivatives positions in Banco Bradesco S.A.’s common and non-voting shares. They show opening and closing balances, quantities, and percentage participation for the controlling group, the board of directors, the board of executive officers, the audit committee, technical and advisory agencies, treasury, and selected controlled entities. Month-by-month movements list purchases, sales, and securities lending (rent debits and credits), effectively functioning as insider trading and related-party activity reports.
Other 6-K reports include notices regarding transactions between related parties. For example, Banco Bradesco S.A. discloses the annual renewal of an agreement with Cielo S.A., a related party in whose controlling group Bradesco participates through subsidiaries, for intermediation, capture, indication, and maintenance services for commercial establishments. These notices explain the object of the transaction, its main terms and conditions, and the management’s justification that it complies with the company’s internal policy and applicable regulations.
The bank also files an Annual Calendar of Corporate Events via Form 6-K, setting out planned dates for annual financial statements and standardized financial statements, quarterly information (ITR), governance information for publicly held companies, the annual shareholders’ meeting, and analyst presentations. On Stock Titan, investors can access these filings as they are updated from EDGAR and use AI-powered summaries to understand lengthy tables and technical language, making it easier to interpret insider holdings, related-party agreements, and the timing of key financial disclosures for BBDO.
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. 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.
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$0.015654217 per preferred share, while tax‑exempt legal entities receive the gross amounts. Bradesco kept its current monthly payment system and published a 2026 schedule with declaration, ex-right, and payment dates running from January 2026 through January 2027.
Shareholders with updated records will receive credits automatically through their banks or brokers, and those with outdated details are instructed to update their information at a Bradesco branch.
Banco Bradesco S.A. reported that it renewed its related-party service agreement with Cielo S.A., a company in which Bradesco participates in the controlling group through subsidiaries. The contract covers intermediation, capture, referral and maintenance services to bring commercial establishments into the Cielo payment system and is set to be automatically extended every twelve months.
Management states that the agreement was approved through internal procedures, follows the company’s related-party policy, and was carried out under market conditions, with attention to governance, ethics, transparency and absence of conflicts of interest. Supporting documents are available at Bradesco’s head office.
Banco Bradesco S.A. filed a Form 6-K detailing share transactions by its controlling group, management, and related parties for December 2025. The controlling shareholders maintained their positions with 3,811,582,439 common shares and 121,067,106 non-voting shares, with no trades during the month.
Members of the Board of Directors carried out sales of non-voting shares, totaling 57,095 shares for about R$ 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.
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