Strong Earnings Growth: Bradesco reported a recurring net income of BRL 6.1 billion for Q2 2025, achieving a year-over-year growth of 28.6% and a return on average equity (ROAE) of 14.6%. Total revenue reached BRL 34 billion, marking a 15.1% increase compared to the previous year, indicating strong performance in key revenue streams, particularly net interest income (NII) and fees.

Robust Loan Portfolio: The expanded loan book grew to BRL 1.018 trillion, a 1.3% increase quarter-over-quarter and 11.3% year-over-year. Significant growth was observed in the Individuals segment (16%) and Micro, Small, and Medium Enterprises (25.2%). The bank emphasized safe credit practices with a focus on collateral-backed loans to mitigate risks.

Controlled Operating Expenses: Operating expenses reached BRL 15.9 billion, but Bradesco managed a growth of only 5.8% year-over-year, aligning with the inflation rate of 5.4%. The efficiency improvements from technological investments and a reduction in service points (over 1,500) are noted, although certain expense lines, particularly ¡®other¡¯, saw higher increases, raising concerns about long-term sustainability.