Company: BBD
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001292814-25-003701
Chunk: 3

Company: BANK BRADESCO
Filing Date: 2025-10-30
Form: 6-K
Chunk 3
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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 △ 2.3% q/q △