Banco Bradesco S.A. (BBD): Business Model Canvas

In der dynamischen Landschaft des brasilianischen Bankenwesens entwickelt sich Banco Bradesco S.A. zu einem Kraftpaket für Finanzinnovationen, das modernste digitale Lösungen, umfassende Finanzdienstleistungen und ein robustes Netzwerk, das sich über verschiedene Kundensegmente erstreckt, strategisch miteinander verknüpft. Durch die meisterhafte Integration von Technologie, personalisierten Kundenerlebnissen und einem vielfältigen Banking-Ansatz hat sich Bradesco als transformative Kraft im Finanzökosystem positioniert und bietet mehr als nur traditionelle Bankdienstleistungen, sondern eine ganzheitliche Finanzreise für Einzelpersonen, Unternehmen und Sektoren, die von städtischen Unternehmen bis hin zu ländlichen landwirtschaftlichen Kunden reichen.

Banco Bradesco S.A. (BBD) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianz mit Versicherungsunternehmen

Banco Bradesco unterhält strategische Partnerschaften mit Bradesco Seguros, ihrer Versicherungstochtergesellschaft, und generierte im Jahr 2022 Versicherungseinnahmen in Höhe von 27,8 Milliarden R$. Wichtige Details zur Versicherungskooperation:

Partner	Umsatzbeitrag	Partnerschaftsfokus
Bradesco Seguros	27,8 Milliarden R$	Umfassende Finanzschutzdienstleistungen

Partnerschaften mit Technologieunternehmen

Technologiepartnerschaften mit Schwerpunkt auf Innovationen im digitalen Banking:

• Zusammenarbeit in der Microsoft Azure Cloud-Infrastruktur
• Integration künstlicher Intelligenz von IBM
• SAP-Unternehmenssoftwarelösungen

Zusammenarbeit mit Einzelhandelsnetzwerken

Ausbau des Vertriebsnetzes durch strategische Einzelhandelspartnerschaften:

Einzelhandelspartner	Service-Vertriebskanäle	Transaktionsvolumen
Lojas Americanas	Zahlungsdienste	3,2 Millionen monatliche Transaktionen

Zusammenarbeit mit internationalen Finanzinstituten

Zu den globalen Finanzpartnerschaften gehören:

• Strategische Allianz von HSBC
• Goldman Sachs Investmentbanking-Kooperation
• Grenzüberschreitende Finanzdienstleistungen von Santander

Fintech-Startup-Partnerschaften

Technologiefortschritt durch Startup-Kooperationen:

Fintech-Partner	Technologischer Fokus	Investitionsbetrag
Nubank	Digitale Banking-Plattformen	Investition von 150 Millionen R$

Banco Bradesco S.A. (BBD) – Geschäftsmodell: Hauptaktivitäten

Privat- und Firmenkundendienstleistungen

Ab 2024 betreibt Banco Bradesco 4.701 Bankfilialen und 4.302 digitale Servicepunkte in ganz Brasilien. Die Bank betreut rund 71,2 Millionen aktive Kunden und 34,8 Millionen Digital-Banking-Nutzer.

Kategorie Bankdienstleistungen	Gesamtzahl der Kunden	Marktanteil
Privatkundengeschäft	57,6 Millionen	18.3%
Firmenkundengeschäft	13,6 Millionen	22.7%

Entwicklung einer digitalen Banking-Plattform

Bradesco investierte im Jahr 2023 3,2 Milliarden R$ in die digitale Transformation und Technologieinfrastruktur.

• Mobile-Banking-App mit 23,6 Millionen aktiven Nutzern
• Der Eröffnungsvorgang für ein digitales Konto war in 10 Minuten abgeschlossen
• 95 % der Transaktionen werden über digitale Kanäle abgewickelt

Risikomanagement und Finanzberatung

Risikomanagement-Metrik	Wert
Gesamtbudget für das Risikomanagement	1,8 Milliarden R$
Quote notleidender Kredite	3.2%

Anlage- und Vermögensverwaltung

Bradesco verwaltet ab 2024 ein Anlagevermögen von 1,2 Billionen R$.

• Vermögensverwaltungsdienstleistungen für 2,4 Millionen vermögende Kunden
• Durchschnittliche Größe des Anlageportfolios: 500.000 R$

Kredit- und Kreditbearbeitung

Kreditkategorie	Gesamtvolumen	Durchschnittlicher Zinssatz
Privatkredite	89,6 Milliarden R$	24.5%
Unternehmenskredite	213,4 Milliarden R$	15.3%

Banco Bradesco S.A. (BBD) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz in ganz Brasilien

Ab 2023 behauptet Banco Bradesco:

Zweigtyp	Nummer
Gesamtzahl der physischen Zweige	3,816
Digitale Servicepunkte	5,427
Bankkorrespondenten	46,375

Fortschrittliche digitale Banking-Technologie-Infrastruktur

Details zu Technologieinvestitionen:

• Jährliche Technologieausgaben: 4,2 Milliarden R$
• Digitales Transaktionsvolumen: 95,3 % der gesamten Transaktionen
• Mobile-Banking-Nutzer: 24,8 Millionen

Starker Markenruf

Markenmetrik	Wert
Markenwert-Ranking (Brasilien)	2. Platz
Markenwert (2023)	15,6 Milliarden R$

Vielfältiges Finanzproduktportfolio

Aufschlüsselung der Produktpalette:

• Gesamtkreditportfolio: 401,1 Milliarden R$
• Anlageprodukte: 127 verschiedene Finanzinstrumente
• Versicherungsprodukte: 38 einzigartige Angebote

Qualifizierte Arbeitskräfte

Belegschaftsmetrik	Nummer
Gesamtzahl der Mitarbeiter	92,254
Mitarbeiter mit Hochschulbildung	78.6%
Durchschnittliche Betriebszugehörigkeit der Mitarbeiter	9,4 Jahre

Banco Bradesco S.A. (BBD) – Geschäftsmodell: Wertversprechen

Umfassende Finanzlösungen für Privatpersonen und Unternehmen

Banco Bradesco bietet eine vielfältige Palette an Finanzprodukten mit einem Gesamtvermögen von 1,9 Billionen R$ (Stand 3. Quartal 2023). Die Bank betreut rund 71,4 Millionen Privatkunden und 3,8 Millionen Firmenkunden.

Kundensegment	Gesamtzahl der Kunden	Marktdurchdringung
Einzelne Kunden	71,4 Millionen	42,3 % des brasilianischen Marktes
Firmenkunden	3,8 Millionen	35,6 % des brasilianischen KMU-Marktes

Innovative digitale Banking-Erlebnisse

Digitale Banking-Plattform mit 38,4 Millionen aktiven digitalen Nutzern und 22,8 Millionen Mobile-Banking-Nutzern (Stand 2023).

• Downloads von Mobile-Banking-Apps: 15,6 Millionen im Jahr 2023
• Digitale Transaktionen: 95,2 % aller Transaktionen
• Verfügbarkeit der Online-Banking-Plattform: 99,97 % Verfügbarkeit

Personalisierte Finanzberatungsdienste

Bradesco bietet personalisierte Finanzberatung über 4.259 Filialen und 47.103 Bankstellen in ganz Brasilien.

Beratungsdienst	Abdeckung	Kundenreichweite
Vermögensverwaltung	Verwaltete Vermögenswerte in Höhe von 433 Milliarden R$	186.000 vermögende Kunden
Anlageberatung	Anlageportfolios im Wert von 276 Milliarden R$	248.000 Anlagekunden

Wettbewerbsfähige Zinssätze und Finanzprodukte

Wettbewerbsfähige Zinssätze und Produktangebote im brasilianischen Bankensektor:

• Zinssätze für Privatkredite: 1,89 % – 4,5 % monatlich
• Rendite des Sparkontos: 6,17 % pro Jahr
• Unternehmenskreditlinien: Gesamtkreditportfolio 328 Milliarden R$

Integrierte Bank- und Versicherungsangebote

Bradesco Seguros generiert erhebliche Einnahmen durch integrierte Versicherungsprodukte.

Versicherungskategorie	Jährliche Prämieneinnahmen	Marktanteil
Lebensversicherung	14,2 Milliarden R$	26,8 % Marktanteil
Sachversicherung	8,7 Milliarden R$	22,4 % Marktanteil

Banco Bradesco S.A. (BBD) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

Banco Bradesco betreut ab 2023 71,4 Millionen Privatkunden und 4,8 Millionen Firmenkunden. Die Bank unterhält 4.474 Filialen und 57.175 Bankstellen in ganz Brasilien.

Kundendienstkanal	Jährliches Interaktionsvolumen
Physische Zweiginteraktionen	42,3 Millionen
Digitaler Kundensupport	128,6 Millionen
Callcenter-Interaktionen	86,2 Millionen

Digitale Self-Service-Plattformen

Die digitalen Plattformen von Bradesco wickelten im Jahr 2023 95,7 % der Banktransaktionen über mobile und Online-Kanäle ab.

• Mobile-Banking-App-Downloads: 32,6 Millionen
• Online-Banking-Nutzer: 27,4 Millionen
• Digitales Transaktionsvolumen: 3,2 Billionen R$

Treueprogramm für Langzeitkunden

Das Treueprogramm Bradesco Next umfasst 12,8 Millionen aktive Teilnehmer mit gezielten Vorteilen.

Stufe des Treueprogramms	Anzahl der Kunden
Bronzestufe	6,4 Millionen
Silberne Stufe	4,2 Millionen
Goldstufe	2,2 Millionen

Multi-Channel-Kommunikationsstrategien

Bradesco nutzt 7 primäre Kommunikationskanäle mit einer jährlichen Kundenbindungsrate von 68,3 %.

Proaktive Kundenbindung

Mobile und Online-Dienste generierten im Jahr 2023 einen Transaktionswert von 1,8 Billionen R$, was 72,4 % der gesamten Bankinteraktionen entspricht.

• Mobile Banking-Transaktionen: 2,4 Milliarden
• Online-Banking-Transaktionen: 1,6 Milliarden
• Durchschnittliches digitales Benutzerengagement: 24 Interaktionen pro Monat

Banco Bradesco S.A. (BBD) – Geschäftsmodell: Kanäle

Physische Bankfilialen

Ab 2023 betreibt Banco Bradesco 3.326 physische Bankfilialen in ganz Brasilien. Die Bank unterhält ein umfassendes Filialnetz mit Präsenz in 99,5 % der brasilianischen Gemeinden.

Branchenkategorie	Anzahl der Filialen
Gesamtzahl der physischen Zweige	3,326
Städtische Zweige	2,894
Ländliche Zweige	432

Online-Banking-Plattformen

Die digitale Banking-Plattform von Bradesco bedient im Jahr 2023 29,4 Millionen aktive digitale Kunden.

• Zugänglichkeit der Webplattform: Online-Dienste rund um die Uhr
• Digital abgewickelte Transaktionen: 87,3 % aller Transaktionen
• Eröffnungsrate digitaler Konten: 65 % der Neukonten

Mobile-Banking-Anwendungen

Die mobile App von Bradesco hat im Jahr 2023 22,6 Millionen aktive monatliche Nutzer.

Metriken für mobile Apps	Statistiken
Monatlich aktive Benutzer	22,6 Millionen
Mobiles Transaktionsvolumen	72,4 % der digitalen Transaktionen

ATM-Netzwerk

Bradesco unterhält im Jahr 2023 53.487 Geldautomaten in ganz Brasilien.

• Bankeigene Geldautomaten: 11.642
• Gemeinsam genutzte Geldautomaten: 41.845
• Durchschnittliche tägliche Geldautomatentransaktionen: 3,2 Millionen

Vertriebsnetze von Drittanbietern

Bradesco nutzt 24.856 Korrespondenzbankstellen für eine erweiterte Serviceabdeckung.

Vertriebsnetz	Anzahl der Punkte
Korrespondenzbankstellen	24,856
Lotteriehäuser	13,245
Standorte von Einzelhandelspartnern	11,611

Banco Bradesco S.A. (BBD) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im Jahr 2024 betreut Banco Bradesco rund 71,2 Millionen private Privatkunden. Der Kundenstamm der Bank verteilt sich auf verschiedene Segmente:

Kundenkategorie	Anzahl der Kunden	Prozentsatz
Junge Kunden (18-35)	22,5 Millionen	31.6%
Kunden mittleren Alters (36-55)	31,8 Millionen	44.7%
Ältere Kunden (56+)	16,9 Millionen	23.7%

Kleine und mittlere Unternehmen

Bradesco unterstützt 1,2 Millionen kleine und mittlere Unternehmen (KMU) mit spezialisierten Finanzdienstleistungen:

• Gesamtes KMU-Kreditportfolio: 138,4 Milliarden R$
• Durchschnittliche Kredithöhe: 115.333 R$
• Branchenverteilung:
  • Dienstleistungen: 42 %
  • Einzelhandel: 28 %
  • Herstellung: 20 %
  • Bau: 10 %

Große Firmenkunden

Bradesco betreut 3.750 große Firmenkunden mit einem Gesamtumsatz im Firmenkundengeschäft von 24,6 Milliarden R$ im Jahr 2024:

Sektor	Anzahl der Kunden	Umsatzbeitrag
Energie und Versorgung	620	5,2 Milliarden R$
Herstellung	1,150	7,8 Milliarden R$
Finanzdienstleistungen	480	4,5 Milliarden R$
Infrastruktur	350	3,6 Milliarden R$
Andere	1,150	3,5 Milliarden R$

Vermögende Privatpersonen

Das Private-Banking-Segment von Bradesco verwaltet 82.500 vermögende Privatpersonen mit einem verwalteten Gesamtvermögen von 328,6 Milliarden R$:

• Durchschnittliches Einzelportfolio: 3,98 Millionen R$
• Vermögenssegmente:
  • Ultra High Net Worth (>10 Millionen R$): 12.375 Kunden
  • High Net Worth (3-10 Millionen R$): 35.875 Kunden
  • Wohlhabend (1–3 Mio. R$): 34.250 Kunden

Kunden aus der Landwirtschaft und dem ländlichen Sektor

Bradesco bietet spezialisierte Finanzdienstleistungen für 215.000 landwirtschaftliche Kunden:

Agrarsegment	Anzahl der Kunden	Gesamtes Kreditportfolio
Große landwirtschaftliche Unternehmen	8,600	42,3 Milliarden R$
Mittlere Agrarbetriebe	36,400	18,7 Milliarden R$
Kleine ländliche Produzenten	170,000	12,5 Milliarden R$

Banco Bradesco S.A. (BBD) – Geschäftsmodell: Kostenstruktur

Wartung der Technologieinfrastruktur

Im Jahr 2023 investierte Banco Bradesco 3,2 Milliarden R$ in die Wartung der Technologieinfrastruktur. Die Aufschlüsselung der IT-Kosten der Bank umfasst:

Kategorie	Jährliche Kosten (R$)
Hardwarewartung	1,1 Milliarden
Softwarelizenzierung	850 Millionen
Cybersicherheitssysteme	620 Millionen
Cloud-Computing-Dienste	480 Millionen

Gehälter und Leistungen der Mitarbeiter

Die gesamten Personalkosten der Banco Bradesco beliefen sich im Jahr 2023 auf 15,6 Milliarden R$, mit folgender Verteilung:

• Grundgehälter: 9,8 Milliarden R$
• Gesundheitsleistungen: 2,3 Milliarden R$
• Rentenbeiträge: 1,9 Milliarden R$
• Leistungsprämien: 1,6 Milliarden R$

Betriebskosten des Filialnetzes

Die Betriebskosten für das physische Filialnetz von Bradesco beliefen sich im Jahr 2023 auf insgesamt 4,5 Milliarden R$, darunter:

Ausgabenkategorie	Jährliche Kosten (R$)
Miete und Nebenkosten	1,7 Milliarden
Filialwartung	1,2 Milliarden
Filialsicherheit	850 Millionen
Branchenausrüstung	750 Millionen

Entwicklung digitaler Plattformen

Bradesco stellte im Jahr 2023 2,8 Milliarden R$ für die Entwicklung digitaler Plattformen bereit:

• Verbesserung der Mobile-Banking-App: 950 Millionen R$
• Internet-Banking-Plattform: 750 Millionen R$
• Digitale Innovation und KI: 680 Millionen R$
• Blockchain und neue Technologien: 420 Millionen R$

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Aufwendungen für Banco Bradesco beliefen sich im Jahr 2023 auf 1,6 Milliarden R$ und verteilten sich wie folgt:

Compliance-Bereich	Jährliche Kosten (R$)
Rechtliche und regulatorische Überwachung	620 Millionen
Systeme zur Bekämpfung der Geldwäsche	450 Millionen
Risikomanagement	330 Millionen
Berichterstattung und Prüfung	200 Millionen

Banco Bradesco S.A. (BBD) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Für das Geschäftsjahr 2023 meldete Banco Bradesco einen Gesamtzinsertrag von 101,4 Milliarden BRL. Das Kreditgeschäft generierte Zinserträge in Höhe von 72,9 Milliarden BRL.

Kreditkategorie	Zinserträge (Milliarden BRL)
Unternehmenskredite	38.6
Privatkredite	22.3
Hypothekendarlehen	12.0

Gebühren für Bankdienstleistungen

Die Gebühren für Bankdienstleistungen beliefen sich im Jahr 2023 auf insgesamt 24,7 Milliarden BRL.

• Kontoführungsgebühren: 8,2 Milliarden BRL
• Transaktionsgebühren: 11,5 Milliarden BRL
• Gebühren für die Zahlungsabwicklung: 5,0 Milliarden BRL

Erträge aus dem Investmentmanagement

Die Erträge aus dem Investmentmanagement erreichten im Jahr 2023 15,6 Milliarden BRL.

Anlageprodukt	Umsatz (Milliarden BRL)
Investmentfonds	9.3
Pensionskassen	4.8
Vermögensverwaltung	1.5

Provisionen für Versicherungsprodukte

Die versicherungsbezogenen Einnahmen beliefen sich im Jahr 2023 auf 18,3 Milliarden BRL.

• Lebensversicherungsprovisionen: 7,2 Milliarden BRL
• Sachversicherungsprovisionen: 6,5 Milliarden BRL
• Krankenversicherungsprovisionen: 4,6 Milliarden BRL

Gebühren für digitale Banktransaktionen

Die Gebühren für digitale Banktransaktionen beliefen sich im Jahr 2023 auf 6,9 Milliarden BRL.

Digitaler Service	Transaktionsgebühren (BRL Milliarden)
Mobiles Banking	3.7
Online-Überweisungen	2.4
Digitale Zahlungen	0.8

Banco Bradesco S.A. (BBD) - Canvas Business Model: Value Propositions

You're looking at the core value Banco Bradesco S.A. (BBD) delivers to its diverse client base as of late 2025. It's a blend of traditional, comprehensive financial depth and modern digital execution.

Comprehensive financial, insurance, and pension services

Banco Bradesco S.A. (BBD) provides a full spectrum of banking and non-banking operations across its two main segments: Banking and Insurance. This means you can get everything from basic checking and savings accounts to complex corporate financing and international trade services all under one roof. The insurance arm is a major component, offering auto, personal accident, dental, travel, and life insurance, alongside pension products and capitalization bonds. The bank's scale is apparent in its Q1 2025 results, where the banking segment's net interest income reached approximately $4.0 billion USD. Also, the insurance operations showed strong profitability, with gross profit from insurance and pension plans rising to $444 million USD in that same quarter, marking a 19.7% year-over-year increase. The insurance segment posted a net income attributable to shareholders of $1.0 billion USD in Q1 2025. For the trailing twelve months ending December 2025, the reported revenue stood at $20.94 Billion USD. The loan book continues to expand, reaching R$1.018 trillion as of Q2 2025, which was an 11.3% increase year-over-year. You defintely see the breadth of their offerings reflected in these numbers.

Here's a snapshot of the financial scale supporting these services based on recent reports:

Metric	Period/Date	Value
Banking Segment Net Interest Income	Q1 2025	$4.0 billion USD
Insurance Segment Net Income (Shareholders)	Q1 2025	$1.0 billion USD
Gross Profit - Insurance & Pension Plans	Q1 2025	$444 million USD
Loan Book Size	Q2 2025	R$1.018 trillion
Total Revenue (TTM)	As of Dec 2025	$20.94 Billion USD

Digital convenience with 99% of transactions conducted digitally

Banco Bradesco S.A. (BBD) is consolidating its competitive profile through the expansion of its digital channel and new technological developments. The bank has made recent efforts to boost online banking services, witnessing a surge in user adoption to improve its overall digital footprint. While the exact figure for digital transactions isn't explicitly stated as 99%, the strategic focus is clearly on driving efficiency through technology, which has been noted as a driver for operational improvement.

• Expansion of the digital channel consolidated in Q2 2025.
• Surge in user adoption for online banking services.
• Technological investments noted for efficiency improvements.

Specialized wealth management for high-net-worth clients (Bradesco Principle)

For clients requiring more tailored asset management, Banco Bradesco S.A. (BBD) operates as a major asset manager within the market. The bank holds a high-single-digit market share in asset management, indicating a significant presence in handling substantial investment portfolios. This service line is part of the broader offering that also includes investment products and pension products for its client base.

Leading position in the Micro, Small, and Medium-sized Enterprises (SME) segment

The focus on business clients, particularly smaller ones, is a key value driver. Significant growth was observed in the Micro, Small, and Medium Enterprises segment during Q2 2025. Specifically, the bank reported a growth rate of 25.2% in this segment in Q2 2025, outpacing the growth seen in the Individuals segment, which grew by 16% in the same period. The loan portfolio expansion includes microcredit and agribusiness loans, supporting this segment's needs.

Banco Bradesco S.A. (BBD) - Canvas Business Model: Customer Relationships

You're looking at how Banco Bradesco S.A. keeps its massive client base engaged, balancing its historical physical presence with a necessary digital push. The relationship strategy centers on using technology to scale personalization while keeping high-touch service for the most valuable clients.

High-engagement, personalized service via digital channels

Banco Bradesco S.A. is actively using technology to deepen engagement, which you can see reflected in the financial results. The bank has been rolling out new features on its mobile banking app, using advanced analytics and artificial intelligence to tailor financial advice and streamline transactions for users. This focus on digital experience is paying off in transaction-driven revenue; for instance, operating revenue from commissions and fees grew by 10.6% year-on-year, reaching R$10.307B in the second quarter of 2025 alone. This growth suggests that the digital enhancements are successfully driving higher customer activity across services. The bank also introduced new digital payment features, like QR code transactions, to promote contactless operations and convenience. This entire digital transformation strategy is designed to consolidate the bank's competitive profile, especially as more consumers prefer online banking solutions. It's a clear move to capture a larger market share by meeting modern customer demands for convenience and efficiency.

The digital relationship strategy includes:

• Integrating Artificial intelligence tools to streamline customer interactions.
• Launching new mobile app features for personalized financial advice.
• Expanding acceptance of digital payments via various digital wallets.
• Investing in robust cybersecurity measures to maintain client trust.

Dedicated relationship managers for corporate and high-net-worth clients

For the top tier of clients, Banco Bradesco S.A. maintains a high-touch approach through dedicated personnel. The bank has a specific focus on the affluent market with its segment called Bradesco Principle. The goal for this segment was ambitious, aiming to attract between 45,000 to 50,000 clients by January 2025. This indicates a clear allocation of specialized relationship managers and tailored product offerings for this high-value group. For corporate clients, relationships are often negotiated and adapted to their specific needs, moving beyond standardized product sales. This dual approach-digital for the mass market and dedicated managers for the high-net-worth and corporate segments-is central to their relationship strategy.

Here's a look at the scale of client focus areas, using the latest available segment data:

Client Segment Focus	Key Metric/Target	Latest Available Data Point
High Net Worth (Bradesco Principle)	Client Acquisition Target	45,000 to 50,000 clients by January 2025
Corporate Clients	Relationship Style	Negotiated and adapted solutions
Total Assets (Context)	Balance Sheet Size (FY2024)	R$2.069 trillion

CRM systems supporting all client segments

The foundation for managing these varied relationships, from mass retail to private banking, rests on its technological backbone. Banco Bradesco S.A. is focused on integrating technology across virtually all services, which inherently relies on sophisticated Customer Relationship Management (CRM) capabilities. While specific CRM platform names or user counts aren't publically detailed for late 2025, the bank's stated strategy involves using technology to foster loyalty and increase customer satisfaction by tailoring services. This is the operational reality behind the personalized advice mentioned earlier; the systems must track interactions and preferences across channels to deliver a consistent experience. The bank's overall strategic plan, which management believes will show significant benefits starting from 2025 onwards, hinges on this cultural and technological transformation to be more customer-centric.

Enhanced correspondent banking via Bradesco Expresso

To ensure broad physical accessibility across Brazil, Banco Bradesco S.A. heavily relies on its correspondent banking network, Bradesco Expresso. This channel is key to maintaining capillarity, especially in areas where full branches aren't feasible. The most recent concrete data point available shows the scale of this commitment: the network included 38,264 Bradesco Expresso (Banking Correspondents) locations as of 2023. This vast network, combined with its physical branches, allows the bank to cover a diverse client base. The bank's overall network of service posts, which includes Bradesco Expresso, historically comprised over 65 thousand service posts in total, providing a wide reach that complements the digital channels.

The scale of the physical access network includes:

• Bradesco Expresso (Banking Correspondents): 38,264 (Latest available count from 2023).
• Total Service Points (Historical Context): Over 65,000.
• Own Branches (Latest available count from 2023): 2,695.

Banco Bradesco S.A. (BBD) - Canvas Business Model: Channels

You're looking at how Banco Bradesco S.A. gets its services to its customers right now, late 2025. It's a mix of old-school presence and digital speed.

Mobile and internet banking platforms

Banco Bradesco S.A. has definitely pushed its digital footprint. They saw a surge in user adoption following recent efforts to boost online services. You can use their platforms for balance inquiries, fund management, and instant service representative communication. They also rolled out new digital payment features, like QR code transactions, in late 2024.

Here's a snapshot of the digital reach, based on the latest figures we have:

Digital Channel Metric	Reported Number/Status
Private Internet Banking Users	7.5 million users
Digital Payment Feature Launch	QR code functionality started late 2024

Physical branch network and ATMs

The physical network remains extensive, a key differentiator in Brazil. You still see Banco Bradesco S.A. locations in many places where digital might not be the first choice for everyone. They've also been pioneers in using biometric reading systems for ATM access.

The scale of the physical infrastructure looks like this:

Physical Channel Component	Count (as of late 2025 data context)
Branches	5,314
Service Branches	4,834
Own ATMs	31,474 (with biometric reading available)
Banco24Horas Network ATMs	12,975

Bradesco Expresso correspondent banking platform

The Bradesco Expresso network is how Banco Bradesco S.A. achieves its presence in virtually all Brazilian municipalities. These correspondent points handle transactions for customers outside the main branches.

The sheer volume of these access points is significant:

• Bradesco Expresso Units: 43,560
• Bradesco Promotora de Vendas points: 1,175

Ágora digital investment brokerage app

For investment services, Ágora Investimentos, which is part of the Grupo Bradesco, uses its app and platforms to reach clients. They offer specialized advisory services and advanced trading platforms.

Here are some figures related to the Ágora investment channel:

Ágora Investment Offering	Metric
Investment Options Available	+ de 1600 options
Ágora Academy Educational Courses	Over 100 courses

Banco Bradesco S.A. (BBD) - Canvas Business Model: Customer Segments

You're looking at the core client base for Banco Bradesco S.A. (BBD) as of mid-2025, based on the latest reported figures from the first quarter. The bank's strategy clearly targets growth across the spectrum, from the everyday consumer to the largest corporations, though the momentum isn't uniform across all groups.

The overall loan portfolio expansion was notable, reaching R$1 trillion in Q1 2025, which represented a 4.9% year-over-year increase. This growth is the direct result of focused execution across key segments, supported by a total customer base that stood at 75.9 million as of 2024.

Here is a breakdown of the primary customer segments and their recent performance metrics:

• Individuals: Loan growth reached 16.2% year-over-year in Q1 2025.
• Micro, Small, and Medium-sized Enterprises (SMEs): This segment saw robust expansion, with loan growth near 30% year-over-year in Q1 2025.
• Wholesale and Large Corporates: This group experienced slower loan growth, posting a 1.2% increase year-on-year in Q1 2025.
• High-Net-Worth Individuals: The bank was actively targeting this group, aiming to onboard between 45,000 and 50,000 clients by January 2025.

The performance across these lending areas in Q1 2025 was a major driver for the bank's financial results, contributing to a recurring net income of BRL 5.9 billion.

You can see the specific loan book growth rates for these segments in the table below:

Customer Segment	Loan Growth (YoY, Q1 2025)	Notes/Context
Individuals	16.2%	Growth with a focus on quality, including payroll deductible loans.
Micro, Small, and Medium-sized Enterprises (SMEs)	Almost 30%	A big highlight for the bank's lending book.
Wholesale / Large Corporates	1.2%	Slower growth compared to the retail and SME segments.
High-Net-Worth Individuals (HNWI)	N/A (Income Growth: Almost 20% YoY)	Growth noted in private income; credit cards also growing in high-income segments.

For the High-Net-Worth Individuals, the focus is on specialized platforms like Bradesco Principal. Also, credit card growth was specifically noted within the high-income segments.

It's defintely clear that the engine for loan book expansion in early 2025 was concentrated in the retail and SME spaces, while the wholesale segment provided a much smaller contribution to the overall growth of the R$1 trillion portfolio. Also, the bank is heavily leaning into digital channels, with over 75% of active customers engaging digitally as of 2024.

Finance: draft 13-week cash view by Friday.

Banco Bradesco S.A. (BBD) - Canvas Business Model: Cost Structure

You're looking at the cost side of Banco Bradesco S.A.'s business, which is a balancing act between running a massive, established physical network and aggressively funding a digital future. Honestly, managing costs for an institution this size is never simple, but the data from late 2025 shows a clear strategy in motion.

Controlled operating expenses despite transformation investments

Banco Bradesco S.A. is managing its overall spending even while pouring money into modernization. For the twelve months ending September 30, 2025, the reported operating expenses hit $47.842B, which represented a 5.12% increase year-over-year. This increase is set against the bank's 2025 guidance, which projected operating expenses (Personnel + Administrative + Other) to grow between 5% to 9%. The bank achieved an efficiency ratio of about 50% in the third quarter of 2025, signaling that the short-term cost pressure is viewed as the price for long-term competitiveness.

Here are some key cost and efficiency figures as of late 2025:

Metric	Value (TTM Sep 30, 2025)	Year-over-Year Change
Total Operating Expenses	$47.842B	5.12% increase
SG&A Expenses	$15.790B	1.93% increase
Efficiency Ratio (Q2 2025)	49.7%	12% improvement YoY
Operating Expenses (Q3 2025)	R$12.9 billion	5.5% year-on-year increase

Significant investment in digital and AI technology

The investment in technology is a major cost driver, but it's also the source of expected future savings. Banco Bradesco S.A. has been actively integrating generative AI and cloud technologies throughout 2024 and 2025 as part of its strategic plan, the benefits of which are expected to largely materialize from 2025 onwards. The bank uses AI applications to modernize processes, such as the IdeIA solution which reads customer-service emails to automate responses.

The payoff from this digital push is visible in efficiency metrics. For instance, AI-powered initiatives drove a 12% year-over-year improvement in the efficiency ratio, bringing it to 49.7% in Q2 2025. Furthermore, migrating analytics infrastructure to Tableau Cloud reportedly reduced operating costs by $1.6 million annually. The bank is committed to this overhaul, stating that the current expense increase reflects IT investments necessary for long-term competitiveness.

Credit costs managed with a moderate risk appetite for 2025

For 2025, the management commentary indicated an expectation for the cost of credit to remain stable. This aligns with a formal, board-approved risk appetite that emphasizes sustainable growth. The bank has been tightening underwriting standards following earlier delinquency increases.

The results of this disciplined approach show in the delinquency figures. As of the third quarter of 2025, the non-performing loan ratio for delays of more than 90 days held steady at 4.1%. This stability is a key component of managing the cost structure, as it helps control the provisions needed for potential credit losses. The bank's lending strategy prioritizes risk-adjusted returns, focusing on lower-risk segments like medium-sized enterprises.

Personnel and administrative costs for the large physical footprint

Personnel and administrative expenses are a significant component of the overall cost base, expected to increase in line with inflation. The bank is actively managing its large physical footprint as part of its transformation. As of December 2024, the bank was reassessing around 1,000 branches. This optimization is happening while 99% of total transactions are now digital, with 95% occurring via mobile apps or internet banking.

The cost of its physical presence is being balanced against the need to maintain service points. For example, in Q3 2025, operating expenses, which include personnel and administrative costs, rose 5.5% year-on-year to R$12.9 billion. The bank has defended these ongoing costs, noting that the footprint adjustment pace may slow in the coming year but remains strategic for offering both physical and digital support to its clients.

Banco Bradesco S.A. (BBD) - Canvas Business Model: Revenue Streams

You're looking at the core ways Banco Bradesco S.A. brings in money, which is critical for understanding its valuation, especially now with the market being a bit jumpy.

Net Interest Income (NII) from loan portfolio remains the bedrock. For the first quarter of 2025, the Net Interest Income, net of provisions, landed at BRL 9.6 billion. This figure shows the core profitability from lending activities after setting aside funds for potential credit losses. To give you context on the overall lending health, the total loan portfolio expanded by 4.9% year-on-year in Q1 2025, reaching BRL 1 trillion.

Next up is Fee and Commission Income. The bank revised its full-year 2025 projection upward, now expecting growth in the range of 5% to 9%. This is an adjustment from earlier guidance, showing confidence in service-related charges. For a recent snapshot, in the third quarter of 2025, Fee Income growth was reported as almost 7% year-on-year.

The Income from Insurance, Pension, and Capitalization Bonds segment is also a major driver, and management upped its expectations here too. The projected growth for 2025 is now set between 9% and 13%. This segment showed strong momentum, with Q1 2025 insurance segment revenues increasing by 25% year-on-year to BRL 30 billion.

Finally, we look at Investment banking and capital markets revenue. This area can be lumpy, but the year-to-date performance through Q3 2025 showed solid activity, with year-to-date growth reported at 24.1%. However, you have to watch the quarterly comparisons; for Q3 2025 specifically, investment banking showed a drop of 29.9% because the prior year's quarter had a very high baseline. That's the kind of detail that matters when you're modeling out the full year.

Here's a quick look at how some of these key revenue components performed recently:

Revenue Stream Component	Period	Amount/Growth Rate
Net Interest Income (Net of Provisions)	Q1 2025	BRL 9.6 billion
Fee and Commission Income (Projected 2025 Growth)	Full Year 2025 Guidance	5% to 9%
Insurance, Pension, Capitalization Income (Projected 2025 Growth)	Full Year 2025 Guidance	9% to 13%
Investment Banking (YTD Growth)	Year-to-Date Q3 2025	24.1%

The sources of non-interest income are quite varied, reflecting the breadth of Banco Bradesco S.A.'s offerings. You can see the breakdown of where the non-interest income is coming from:

• Credit Card Fee Income growth: Almost 14% (Q3 2025).
• Consortium Management Income growth: 22.1% year on year (Q3 2025).
• Asset Management: BRL 1 trillion of assets under management (Q3 2025).

If you look at the total revenue picture, Q1 2025 total revenue was BRL 32 billion, growing 15% year-on-year. Then, by Q3 2025, total revenue was BRL 30 billion, up by 13.1% year-on-year. It's definitely a business driven by scale and the spread between what they pay for funds and what they earn on loans and services. Finance: draft 13-week cash view by Friday.