Company: BBD
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001292814-25-003703
Chunk: 2

Company: BANK BRADESCO
Filing Date: 2025-10-30
Form: 6-K
Chunk 2
---
 income of R$2.5 billion (10.3% q/q and
6.5% y/y). The ROAE of the insurance company was 22.4% in 3Q25. Operating expenses increased by 3.7% q/q and 9.6% y/y, in line with expectations.
This growth rate largely reflects the investments being made in the bank and its affiliates. Analyzing only personnel and administrative
expenses, there was a 5.5% y/y growth in 3Q25, which shrinks to 2.5% when we exclude the profit-sharing expenses, below inflation of 5.2%
for the period, underlining the strong cost-control measures currently in place within the Organization. With that, we maintained our
efficiency ratio stable at about 50% for the quarter and in 12 months. Tier 1 capital ratio remained at 13.4% and the common equity ratio
was 11.4% this quarter. Even with the growth of the portfolio, our capital continues to be robust, within the regulatory and management
limits. We allocated R$3.8 billion in interest on shareholders’ equity in 3Q25. We are continuing to carry out our transformation
plan. In 3Q25, we continued to accelerate footprint adjustments and make changes in the way we serve our clients. We opened 34 new offices
in our new Principal segment, intensified the operations of our banking correspondents, and continued to enhance our new Companies &
Business App with more features and rising user adoption. We are making the new cash management system available to more companies. In
terms of personnel, the cultural evolution program continues to be implemented. The plan will continue to be executed in an accelerated
manner. As an important part of our strategic agenda, we remain committed to sustainable business financing and supporting our clients
in the transition to a greener and inclusive economy, maintaining the portfolio's decarbonization strategy and keeping a close eye on
risks and opportunities. At the end of September 2025, we achieved 100% of our target to allocate up to R$350 billion by year-end to sectors
and activities with socio-environmental benefits. The following information details our performance in 3Q25, including results, balance
sheet and key performance indicators. enjoy the reading! Bradesco | Economic and Financial Analysis Report 7 highlights 3Q25 consolidated
recurring net income R$6.2 bi �