Company: BBD
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001292814-25-003703
Chunk: 7

Company: BANK BRADESCO
Filing Date: 2025-10-30
Form: 6-K
Chunk 7
---
 the mix and, also, the calendar effect in the period. As a result of this dynamic, the average gross rate expanded
by 0.2 p.p. in the quarter, reaching 9% in 3Q25. In the credit margin, the evolution comes mainly from the increase in operations in the
MSME, with emphasis in working capital (FGI and FGO - government-backed guarantee funds) and in individuals in the vehicle lines, payroll-deductible
loans, rural loans and credit card. Considering the cost of risk, even with the largest expenses with Loan Loss Provisions of the wholesale
segment, the client NII net of Loan Loss Provisions showed an evolution of 5% in relation to 2Q25, +18% in relation to 3Q24 and +24% in
the accrued for nine months, reflecting the strategy of growth with asset quality, benefiting the average net NIM that expanded to 4.8%.
market NII Variations in all periods are substantially resulting from ALM movements, as expected. R$ million R$ % R$ % R$ % \\ Net Interest
Income18,710 18,044 15,999 53,987 46,731 666 3.7 2,711 16.9 7,256 15.5 \\ Client NII (1)18,611 17,756 15,635 53,138 45,412 855 4.8 2,976
19.0 7,726 17.0 Average Balance847,275 832,780 758,474 830,953 734,548 219 1.7 1,417 11.7 4,603 13.1 Gross NIM9.0%8.8%8.4%8.6%8.3%636
1,559 3,123 \\ Market NII (2)99 288 364 849 1,319 (189) (65.6) (265) (72.8) (470) (35.6) 3Q252Q253Q249M24 3Q25 vs. 3Q24 9M25 vs. 9M24
3Q25 vs. 2Q25 9M25 Sept25 vs. Sept24 \\ Individuals43.7 43.4 42.0 1.7 p.p.Pay