Banco Bradesco S.A. (BBDO): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el mundo dinámico de la banca brasileña, Banco Bradesco S.A. se erige como una potencia tecnológica, revolucionando los servicios financieros a través de su innovador lienzo de modelo de negocio. Al combinar estratégicamente la experiencia bancaria tradicional con soluciones digitales de vanguardia, Bradesco se ha posicionado como líder del mercado, atendiendo a millones de clientes en diversos segmentos con productos financieros integrales y experiencias digitales incomparables. Esta exploración presenta el intrincado plan que impulsa una de las instituciones bancarias más sofisticadas de Brasil, que ofrece información sobre cómo las asociaciones estratégicas, la infraestructura tecnológica avanzada y los enfoques centrados en el cliente convergen para crear un modelo de negocio robusto y adaptable.

Banco Bradesco S.A. (BBDO) - Modelo de negocios: asociaciones clave

Alianzas estratégicas con empresas de tecnología financiera global

Banco Bradesco ha establecido asociaciones estratégicas con las siguientes empresas de tecnología:

Pareja	Enfoque de asociación	Año establecido
Microsoft	Infraestructura de computación en la nube	2019
Google Cloud	Servicios de transformación digital	2020
IBM	Soluciones de inteligencia artificial	2018

Asociaciones con agencias gubernamentales brasileñas

Bradesco colabora con entidades gubernamentales clave:

• Banco Central do Brasil - Cumplimiento regulatorio
• Ministerio de Economía - Programas de inclusión financiera
• BNDES (Banco de Desarrollo Brasileño) - Iniciativas de préstamos

Colaboración con Startups de FinTech para la innovación digital

La cartera de asociaciones Fintech de Bradesco incluye:

Inicio de fintech	Monto de la inversión	Tipo de asociación
Nubank	R $ 300 millones	Estaca de equidad minoritaria
Banco C6	R $ 150 millones	Inversión estratégica

Empresas conjuntas con redes bancarias internacionales

Asociaciones internacionales de redes bancarias:

• Santander Brasil - Plataformas digitales compartidas
• HSBC Brasil - Servicios de banca corporativa

Relación con empresas de procesamiento de pagos

Asociaciones de procesamiento de pagos:

Proveedor de pagos	Volumen de transacción	Detalles de la asociación
Visa	R $ 85 mil millones anualmente	Procesamiento de tarjetas de crédito y débito
Tarjeta MasterCard	R $ 72 mil millones anualmente	Soluciones de pago digital

Banco Bradesco S.A. (BBDO) - Modelo de negocio: actividades clave

Servicios de banca minorista y comercial

A partir de 2024, Banco Bradesco opera con 4,453 sucursales bancarias y 4,784 puntos de servicio digital en Brasil. El banco atiende a aproximadamente 75.4 millones de clientes activos, con una base de activos total de R $ 1.92 billones.

Categoría de servicio	Número de clientes	Volumen de transacción anual
Banca personal	52.6 millones	3.200 millones de transacciones
Banca corporativa	22.8 millones	1.500 millones de transacciones

Desarrollo de la plataforma de banca digital

Bradesco ha invertido R $ 3.8 mil millones en iniciativas de transformación digital. Los canales digitales del banco incluyen:

• Aplicación de banca móvil con 24,6 millones de usuarios activos
• Plataforma de banca por Internet que atiende a 18.4 millones de clientes
• Siguiente subsidiaria del banco digital con 4.2 millones de cuentas solo digitales

Gestión de riesgos y asesoramiento financiero

Bradesco mantiene un marco sofisticado de gestión de riesgos con:

Métrica de gestión de riesgos	Valor 2024
Provisión de pérdida de préstamo	R $ 32.5 mil millones
Presupuesto de gestión de riesgos de crédito	R $ 1.2 mil millones

Inversión y gestión de patrimonio

La división de gestión de inversiones de Bradesco supervisa:

• R $ 689 mil millones en activos administrados
• 1,6 millones de titulares de cuentas de inversión
• Más de 250 opciones de productos de inversión diferentes

Creación de productos de crédito y préstamo

Desglose de la cartera de préstamos para 2024:

Categoría de préstamo	Volumen total	Cuota de mercado
Préstamos corporativos	R $ 456 mil millones	18.7%
Préstamos personales	R $ 278 mil millones	22.3%
Préstamos hipotecarios	R $ 89 mil millones	15.5%

Banco Bradesco S.A. (BBDO) - Modelo de negocio: recursos clave

Red de sucursal extensa

A partir de 2024, Banco Bradesco mantiene:

Tipo de rama	Número
Ramas físicas totales	4,298
Ramas digitales	1,247
Puntos de servicio	59,000

Infraestructura bancaria digital

Las capacidades de banca digital incluyen:

• Aplicación de banca móvil con 47.2 millones de usuarios activos
• Plataforma de banca en línea que atiende a 34.6 millones de clientes
• Volumen de transacción digital: 89.3% de las transacciones totales

Capacidades tecnológicas

Inversión tecnológica	Cantidad
Presupuesto de tecnología anual	R $ 3.8 mil millones
Personal de TI	8.700 profesionales
Centros de innovación digital	3 centros dedicados

Recursos humanos

Composición de la fuerza laboral:

• Total de empleados: 86,324
• Empleados con educación superior: 73%
• Edad promedio del empleado: 39 años

Análisis de datos y ciberseguridad

Métrica de ciberseguridad	Valor
Inversión anual de ciberseguridad	R $ 620 millones
Centros de procesamiento de datos	4 centros redundantes
Tamaño del equipo de ciberseguridad	1.200 especialistas

Banco Bradesco S.A. (BBDO) - Modelo de negocio: propuestas de valor

Soluciones financieras integrales para individuos y empresas

Banco Bradesco ofrece un total de 64.1 millones de clientes individuales y 4.3 millones de clientes corporativos soluciones financieras integrales a partir del tercer trimestre de 2023.

Segmento de clientes	Total de clientes	Penetración del mercado
Clientes individuales	64.1 millones	38.2% del mercado brasileño
Clientes corporativos	4.3 millones	26.5% de la banca comercial brasileña

Experiencia bancaria digital innovadora

Las plataformas digitales de Bradesco procesan el 95.2% de las transacciones bancarias totales a través de canales digitales en 2023.

• Aplicación de banca móvil con 27.6 millones de usuarios activos
• Proceso de apertura de cuenta digital completado en 10 minutos
• 95% del servicio al cliente manejado a través de plataformas digitales

Servicio al cliente personalizado

Inversión de R $ 1.2 mil millones en tecnologías de experiencia del cliente en 2023.

Canal de servicio	Tasa de satisfacción del cliente
Soporte digital	87.3%
Soporte de rama física	82.6%

Amplia gama de productos financieros

Bradesco ofrece 142 productos financieros diferentes en segmentos de banca personal y corporativa.

• Líneas de crédito personal: 37 productos
• Opciones de inversión: 45 instrumentos diferentes
• Soluciones de banca corporativa: 60 servicios especializados

Tasas de interés competitivas y bajas tarifas de transacción

Tasas de interés promedio para préstamos personales al 2.45% mensual, significativamente por debajo del promedio del mercado de 3.1%.

Categoría de productos	Tasa de interés promedio	Tarifa de transacción
Préstamos personales	2.45% mensual	R $ 5.90 por transacción
Líneas de crédito corporativas	1.85% mensual	R $ 8.20 por transacción

Banco Bradesco S.A. (BBDO) - Modelo de negocios: relaciones con los clientes

Atención al cliente omnicanal

Banco Bradesco opera 4,515 sucursales bancarios y 5,281 puntos de servicio bancario a partir de 2023. El banco mantiene 57.706 cajeros automáticos en Brasil. Los canales digitales incluyen banca móvil con 23.7 millones de usuarios activos y una plataforma de banca por Internet que atiende a 19.4 millones de clientes.

Canal de soporte	Número de puntos de contacto
Ramas físicas	4,515
Puntos de servicio bancario	5,281
Cajeros automáticos	57,706
Usuarios de banca móvil	23.7 millones
Usuarios de banca por Internet	19.4 millones

Consultoría financiera personalizada

Bradesco ofrece servicios de asesoramiento financiero personalizado a través de gerentes de relaciones dedicados para personas de alto nivel de red. El banco atiende a aproximadamente 71.4 millones de clientes individuales y 3.5 millones de clientes corporativos.

Plataformas de autoservicio digital

Las plataformas digitales de Bradesco incluyen:

• Aplicación de banca móvil con 23.7 millones de usuarios activos
• Plataforma de banca por Internet
• Proceso de apertura de cuentas digitales
• Servicios de préstamos e inversión en línea

Programas de fidelización y recompensas

El siguiente programa de fidelización de Bradesco incluye:

• Programa de recompensas de Bradesco con 5.2 millones de participantes activos
• Sistema de redención de puntos en más de 10,000 comerciantes socios
• Ofertas personalizadas de reembolso

Estrategias proactivas de participación del cliente

Bradesco emplea técnicas avanzadas de participación del cliente:

• Recomendaciones financieras personalizadas impulsadas por IA
• Análisis predictivo para las necesidades del cliente
• Campañas de marketing específicas que llegan a 71.4 millones de clientes

Métrico de compromiso	Valor
Base total de clientes	71.4 millones de clientes individuales
Clientes corporativos	3.5 millones
Miembros del programa de fidelización	5.2 millones

Banco Bradesco S.A. (BBDO) - Modelo de negocios: canales

Sitio web de banca en línea

Métricas de plataforma digital:

• Usuarios bancarios en línea activos: 35.2 millones a partir del cuarto trimestre de 2023
• Transacciones digitales totales en 2023: 4.7 mil millones
• Sitio web Visitantes mensuales: 22.5 millones

Tipo de canal	Compromiso de usuario	Volumen de transacción
Sitio web de banca en línea	35.2 millones de usuarios activos	4.700 millones de transacciones/año

Aplicación de banca móvil

Estadísticas de plataforma móvil:

• Descargas de aplicaciones móviles: 28.6 millones
• Usuarios de banca móvil activa: 26.8 millones
• Porcentaje de transacción móvil: 62% del total de transacciones digitales

Módulo de aplicación móvil	2023 datos
Descargas totales	28.6 millones
Usuarios activos	26.8 millones

Red de sucursales físicas

Infraestructura de rama:

• Total de ramas físicas: 3,816
• Cobertura geográfica: los 26 estados brasileños
• Empleados de la sucursal: 92,000

Infraestructura de cajeros automáticos

Detalles de la red de cajeros automáticos:

• Total de cajeros automáticos: 57,200
• Ubicaciones de cajeros automáticos: cobertura nacional
• Transacciones diarias de cajeros automáticos: 1.2 millones

Plataformas de servicio al cliente digital

Canales de servicio al cliente:

• Canales de soporte digital: 5 plataformas diferentes
• Interacciones anuales de clientes digitales: 68.4 millones
• Tiempo de respuesta promedio: 12 minutos

Canal de servicio	Interacciones anuales	Tiempo de respuesta promedio
Servicio al cliente digital	68.4 millones	12 minutos

Banco Bradesco S.A. (BBDO) - Modelo de negocio: segmentos de clientes

Clientes de banca minorista individual

A partir de 2024, Banco Bradesco atiende a aproximadamente 71.4 millones de clientes de banca minorista individual. El desglose de la base de clientes minoristas del banco incluye:

Categoría de clientes	Número de clientes	Porcentaje
Usuarios bancarios digitales	46.2 millones	64.7%
Usuarios de banca móvil	39.8 millones	55.7%
Grupo de edad 18-35	28.5 millones	39.9%

Empresas pequeñas y medianas

Banco Bradesco admite 1,2 millones de pequeñas y medianas empresas (PYME) con servicios financieros especializados.

• Portafolio de crédito total para las PYME: R $ 185.3 mil millones
• Tamaño promedio del préstamo: R $ 154,000
• Distribución del sector:
  • Fabricación: 32%
  • Servicios: 28%
  • Minorista: 22%
  • Agricultura: 18%

Grandes clientes corporativos

El banco atiende a 5.600 grandes clientes corporativos en varias industrias.

Sector industrial	Número de clientes	Exposición total del crédito
Energía	680	R $ 42.6 mil millones
Infraestructura	450	R $ 35.2 mil millones
Fabricación	1,200	R $ 62.8 mil millones
Agricultura	750	R $ 28.4 mil millones

Individuos de alto nivel de red

Bradesco administra la riqueza para 280,000 individuos de alto nivel de red.

• Valor de la cartera individual promedio: R $ 4.2 millones
• Activos totales bajo administración: R $ 1.176 billones
• Distribución del segmento de riqueza:
  • Ultra alto patrimonio neto (> R $ 20 millones): 12%
  • Alto patrimonio neto (R $ 5-20 millones): 35%
  • Afluente (R $ 1-5 millones): 53%

Organizaciones del sector público

Banco Bradesco atiende a 2.300 organizaciones del sector público.

Tipo de organización	Número de clientes	Valor total de servicios financieros
Gobiernos municipales	1,100	R $ 22.7 mil millones
Gobiernos estatales	26	R $ 18.3 mil millones
Agencias federales	174	R $ 35.6 mil millones

Banco Bradesco S.A. (BBDO) - Modelo de negocio: Estructura de costos

Inversiones de infraestructura tecnológica

En 2023, Banco Bradesco invirtió R $ 3.4 mil millones en infraestructura tecnológica y transformación digital. Los gastos de tecnología del banco representaron aproximadamente el 12.7% de sus costos operativos totales.

Categoría de inversión tecnológica	Monto (R $ mil millones)
Plataformas de banca digital	1.2
Sistemas de ciberseguridad	0.6
Infraestructura de computación en la nube	0.8
AI y aprendizaje automático	0.4

Salarios y capacitación de los empleados

Los gastos de personal de Bradesco en 2023 totalizaron R $ 22.6 mil millones, con un salario anual promedio de R $ 89,500 por empleado.

• Total de empleados: 95,254
• Inversión de capacitación por empleado: R $ 3,200 anualmente
• Gasto total de capacitación: R $ 304.8 millones

Mantenimiento de la red de sucursales

Los costos de mantenimiento de sucursales para 2023 fueron R $ 1.8 mil millones, que cubren 3,515 sucursales físicas en todo el país.

Categoría de gastos de mantenimiento	Cantidad (R $ millones)
Alquiler y servicios públicos	680
Infraestructura física	520
Sistemas de seguridad	350
Equipo de rama	250

Gastos de cumplimiento regulatorio

Bradesco gastó R $ 675 millones en cumplimiento regulatorio y requisitos legales en 2023.

• Tamaño del equipo de cumplimiento: 412 profesionales
• Sistemas contra el lavado de dinero: R $ 180 millones
• Infraestructura de informes regulatorios: R $ 95 millones

Costos de marketing y adquisición de clientes

El gasto de marketing en 2023 alcanzó R $ 1.2 mil millones, con un costo de adquisición de clientes de R $ 85 por nuevo cliente.

Canal de marketing	Gasto (R $ millones)
Marketing digital	420
Medios tradicionales	350
Patrocinios	230
Programas de retención de clientes	200

Banco Bradesco S.A. (BBDO) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos y productos de crédito

En 2022, Banco Bradesco reportó ingresos por intereses netos de BRL 70.4 mil millones. La cartera de préstamos del banco totalizó BRL 887.6 mil millones, con un diferencial promedio de intereses del 9.3%.

Categoría de préstamo	Volumen total (BRL mil millones)	Rango de tasas de interés
Préstamos corporativos	378.2	8.5% - 12.3%
Préstamos personales	249.5	15.7% - 22.4%
Préstamos hipotecarios	89.3	7.2% - 9.6%

Tarifas de servicio bancario

Bradesco generó BRL 23.8 mil millones en tarifas de servicio en 2022, con el siguiente desglose:

• Tarifas de mantenimiento de la cuenta: BRL 6.2 mil millones
• Tarifas de transacción: BRL 8.7 mil millones
• Tarifas de procesamiento de tarjetas de crédito: BRL 5.4 mil millones
• Otros servicios bancarios: BRL 3.5 mil millones

Ingresos de gestión de inversiones

El banco administró BRL 1.2 billones en activos, generando BRL 12.6 mil millones en ingresos por gestión de inversiones en 2022.

Producto de inversión	Activos totales (BRL mil millones)	Ingresos generados (BRL mil millones)
Fondos mutuos	542.3	6.7
Fondos de pensiones	398.6	4.2
Gestión de patrimonio	259.1	1.7

Comisiones de transacciones digitales

Las transacciones digitales generaron BRL 5.4 mil millones en comisiones, con un 68% originario de plataformas de banca móvil.

• Transacciones bancarias móviles: 1.200 millones
• Comisiones de pago en línea: BRL 2.300 millones
• Transacciones de billetera digital: BRL 1.9 mil millones

Venta de seguros y productos financieros

El segmento de seguros y productos financieros de Bradesco generó BRL 18.7 mil millones en ingresos en 2022.

Categoría de productos	Ingresos (BRL mil millones)	Cuota de mercado
Seguro de vida	6.9	22.3%
Seguro de propiedad	4.8	18.6%
Productos financieros especializados	7.0	15.4%

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

You're looking at the core value Banco Bradesco S.A. delivers to its market, which is built on a foundation of comprehensive scale and digital execution. It's about being everywhere the client is, from a high-tech mobile platform to a local corner store partner.

Comprehensive, one-stop financial services (banking, insurance, investments)

Banco Bradesco S.A. offers a full spectrum of financial solutions. This isn't just checking accounts; it's a deep integration of services. As of late 2025, the bank's scale supports this breadth, with total assets reported around R$1.95 trillion as of fiscal year 2024. The offering spans core banking, credit products, insurance, pension plans, and asset management.

Digital convenience and security with a high-volume transaction platform

The bank's digital push is massive. You see this in the transaction volume handled digitally. As of December 2024, 99% of total transactions were digital. Even more telling, 95% of those digital transactions happened through mobile apps or internet banking. Banco Bradesco S.A. has been rolling out features like quick and secure QR code payments since late 2024 to streamline operations.

Specialized wealth management via 'Bradesco Principle' for HNWIs

For the most affluent clients, the value proposition is specialized service, often branded or delivered through dedicated channels like 'Bradesco Principle.' The focus is squarely on High-Net-Worth Individuals (HNWIs), who command a disproportionate share of managed assets in the Latin American market. An executive from 'Bradesco Principal' was noted as a participant in the World Wealth Report 2025 executive steering committee, showing direct engagement with the top-tier segment.

Broad physical accessibility through the Bradesco Expresso network

While digital leads volume, physical presence remains a key value driver for accessibility, especially in less-served areas. The Bradesco Expresso correspondent network is the engine here. As of December 31, 2023, this network comprised 38,264 service points. These partners-like supermarkets and drugstores-allow the bank to offer basic services where a full branch isn't feasible.

Commitment to ESG with BRL 350 billion in labeled credit by year-end 2025

The commitment to Environmental, Social, and Governance (ESG) financing is a concrete value proposition for corporate clients and the capital market. Banco Bradesco S.A. set a target to direct BRL 350 billion toward ESG-labeled credit by December 2025. The progress toward this goal was significant, having already reached BRL 305 billion, or 95% of the target, by the end of December 2024.

Here's a quick look at the scale supporting these value propositions:

Metric	Value/Amount	Date/Context
Total Assets (Approximate)	R$1.95 trillion	Fiscal Year 2024
Digital Transaction Share	99%	December 2024
Mobile/Internet Banking Share of Digital Transactions	95%	December 2024
Bradesco Expresso Service Points	38,264	December 31, 2023
ESG Labeled Credit Target	BRL 350 billion	Year-end 2025
ESG Labeled Credit Achieved	BRL 305 billion	December 2024

The services offered through these channels include:

• Receipt and submission of loan applications.
• Withdrawals from checking and savings accounts.
• Utility bill and tax receipt processing.
• Financial inclusion via digital account opening.
• Support for energy transition financing.

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

You're looking at how Banco Bradesco S.A. manages its connection with its vast and varied customer base as we move through late 2025. The strategy is clearly segmented, moving away from a one-size-fits-all approach to deliver specialized value, which is essential given the competitive pressure from digital-only banks.

Dedicated relationship managers for corporate and wholesale clients.

For your largest clients-the corporations and wholesale entities-Banco Bradesco S.A. relies on high-touch service, which is standard for this segment. While I don't have the exact headcount of dedicated Relationship Managers for 2025, the organizational structure points to this focus. For instance, executive leadership has deep experience in corporate client management and wholesale banking, indicating this area remains a core competency. The bank's overall strategy includes strengthening business units like credit, which directly supports corporate client needs. This personalized approach is necessary to manage complex credit operations and investment banking needs, which are key components of the bank's offering nationwide.

Highly automated self-service via mobile and online banking.

The shift to digital is profound here. A significant portion of the customer base has already voted with their clicks. Specifically, 2.4 million account holders were prioritizing relationship exclusively through electronic media as of a recent report. This digital universe conducts 92% of its transactions via digital channels. This level of automation is what allows the bank to maintain its massive scale, serving over 71 million customers as of 2024, while still aiming for efficiency gains.

Here's a quick look at the scale of digital engagement and service efficiency:

Metric	Value/Target	Context/Date
Digital Transactions Share	92%	Percentage of transactions by electronically-prioritizing clients
AI Chatbot Customer Retention Rate	90%	Indicates high satisfaction with automated support
Efficiency Ratio Improvement (YoY)	12%	Improvement to 49.7% in Q2 2025 due to digital initiatives
Campaign Data-Gathering Time Reduction	83%	Achieved via infrastructure migration

Targeted, tailored service models for specific segments like HNWIs.

Banco Bradesco S.A. is actively carving out specialized service tiers. The focus on High Net Worth Individuals (HNWIs) is clear with the Bradesco Principle segment. The bank set a target to onboard between 45,000 and 50,000 of these clients by January 2025. This tailored approach extends to product focus, as the credit card portfolio has been strategically shifted towards HNW clients. For these clients, the Private Bank offers a service designed just for them, including dedicated Private Bankers and customized investment portfolio strategies. This segmentation, based on income, investment amounts, and behavior, allows for differentiated service and greater speed.

Proactive customer support through technology upgrades and modernization.

Proactive support is being driven by technology investments. The bank is leveraging artificial intelligence to enhance customer service and operational efficiency. Beyond the high chatbot retention, the bank is focused on real-time monitoring and data analysis to ensure service quality. For example, migrating analytics infrastructure slashed data-gathering time by 83% and saved $1.6 million annually in operating costs. Furthermore, new digital payment features, like QR code transactions, streamline processes and promote contactless operations, showing a commitment to modern convenience. The overall goal is agility and efficiency in serving diverse client groups.

Building loyalty through the Bradesco Foundation's educational programs.

Loyalty is also built through a commitment to social impact, which is a core value for Banco Bradesco S.A.. The Bradesco Foundation is a major component of this, recognized as the largest private educational inclusion initiative in Brazil. It currently operates 40 schools, providing free education across all 27 Brazilian states. This dedication to socio-environmental responsibility is backed by significant capital allocation; by the end of 2025, the bank is committed to directing BRL 350 billion in credit operations with ESG labeling to positive impact sectors. This links the bank's social mission directly to its financial strategy.

You can see the scale of their commitment to social and environmental factors:

• Bradesco Foundation operates 40 schools.
• Foundation provides free education across 27 Brazilian states.
• Committed to directing BRL 350 billion in ESG-labeled credit operations by end of 2025.

Finance: draft 13-week cash view by Friday.

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

You're looking at how Banco Bradesco S.A. gets its value proposition into the hands of its customers, and honestly, it's a massive, dual-pronged approach, blending deep physical roots with aggressive digital modernization. It's not just one thing; it's the sheer scale of their presence that matters here.

The digital side is definitely seeing heavy investment as of late 2025, with continuous enhancement of the mobile applications for Android and iOS. The bank is integrating advanced analytics and AI to tailor services, focusing on features like QR code payments and secure, personalized financial advice right on the phone. While the latest concrete user count I have is from 2023, showing 37.4 million active digital users, the strategic focus in 2025 is clearly on deepening engagement within that base and capturing more digital transaction volume. This digital ecosystem is designed to handle daily financial operations seamlessly, including payments and fund transfers.

Still, the physical footprint remains a cornerstone, providing capillarity across Brazil. The bank has been actively adjusting this network, aiming for efficiency. You should note the strategic move to close traditional branches while simultaneously investing in digital channels and expanding correspondent banking. This balancing act is key to their near-term operational income goals.

Here's a quick look at the scale of the physical and near-physical network components as derived from the latest available figures:

Channel Component	Metric/Count (Latest Available Data)	Context/Notes
Physical Branch Network (Traditional)	5,314 branches	Historical figure; strategic plan in 2025 involved reducing over 1,500 service points.
Service Branches (Historical Count)	4,834 service branches	Historical figure, part of the overall physical service points.
Bradesco Expresso Banking Correspondents	38,430 units	Points authorized to act as banking correspondents.
Total ATMs (Own + Shared)	Over 43,000 active machines	Equipped with biometric reading for cardless transactions.
Bradesco Own ATMs	19,582 machines	Part of the total ATM network.
Banco24Horas Shared Network ATMs	24,186 machines	Access points via the shared network.

For your high-net-worth clients, Banco Bradesco S.A. channels service through specialized structures. You'll see this reflected in their client segmentation, which includes dedicated offerings for:

• Bradesco Exclusive clients.
• Bradesco Prime clients.
• Global Private Bank services, with specialist teams in locations like Luxembourg, New York, and Miami.

These specialized offices and teams are designed to deliver tailored solutions, including Wealth Planning and international advisory, which is defintely a different experience than the standard retail channel.

The self-service component is heavily reliant on the ATM network, which is a major point of physical access. The bank has been focused on innovation and availability here, ensuring the machines are intuitive. The integration of biometric reading across the park brings a layer of security for cardless transactions, which is a nice touch for convenience.

The digital channel also encompasses specific digital-only entities that complement the main bank's offerings, like next and digio, which are part of the broader ecosystem used to reach different, often younger, segments.

You can see the sheer breadth of their reach when you combine the physical and digital access points; it's a comprehensive strategy to be everywhere the customer might be.

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

You're looking at the client base for Banco Bradesco S.A. as we move through late 2025. The bank serves a massive spectrum, from the everyday consumer to major institutions, but the focus is clearly shifting toward higher-quality credit and specific growth niches.

Individual Mass-Market Customers

This segment remains the foundation, though the bank is pushing for higher-value interactions within it. You see this in the growth of more secure credit lines for these individuals.

• The total individual customer base was reported at 71.4 million as of Q3 2023, part of a total base of 75.9 million clients.
• The Individual loan portfolio grew by 13.3% in 2024 compared to the previous year.
• For the first quarter of 2025, individual loans saw a year-over-year growth of almost 16%.
• As of December 2024, over 75% of active customers engaged digitally.
• Fee income from private and high-income clients showed a strong year-on-year growth of almost 20% in Q2 2025.

The bank is definitely leaning into digital service delivery for this group. It's a huge base to manage efficiently.

High-Net-Worth Individuals (HNWIs) targeted by Bradesco Principle

Banco Bradesco S.A. has a dedicated, premium offering here. This is about attracting and retaining the highest-value clients with tailored wealth management and private banking services.

The bank launched the Bradesco Principle segment specifically for HNWIs, setting a clear acquisition target of between 45,000 and 50,000 new clients by January 2025. This targeted approach is key to boosting high-margin fee income.

Micro, Small, and Medium-sized Enterprises (MSMEs)

The MSME sector is a major growth engine, especially for lending. The bank is prioritizing credit origination here, focusing on medium-sized enterprises as lower risk.

Here's a look at the lending momentum in this segment:

Metric	Reference Period	Value/Growth
Loans to MSMEs Growth (y/y)	2024	28.0%
SME Loans Growth (y/y)	Q1 2025	25.2% or 29.6%
SME Loan Portfolio Size	Q3 2024	R$215 billion

The growth rates are substantial, showing a clear strategic push to capture market share in business lending.

Large Corporate and Institutional Clients

For the largest entities, the focus appears to be on maintaining portfolio quality and leveraging specialized services, including investment banking.

The loan portfolio for large companies remained relatively stable, growing by 2.5% for the full year 2024. Investment banking and capital markets showed strong traction in Q2 2025.

Agribusiness Sector Clients

This is a key focus area where Banco Bradesco S.A. is actively expanding its credit presence, often stepping in where other banks have pulled back.

• The agribusiness credit portfolio was valued at R$130 billion recently, with a stated goal to expand this by at least 10% in the current year (2025).
• The bank projects releasing over R$50 billion in credit operations specifically within the 2025/2026 Harvest Plan.
• They expect to lend R$1 billion in rural credit lines with subsidized interest rates in the current year.

The bank is using specialized platforms like E-agro to originate some of this financing.

Finance: draft 13-week cash view by Friday.

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

You're looking at the cost side of Banco Bradesco S.A.'s operations as of late 2025. The bank's cost structure is heavily influenced by its massive physical footprint and ongoing digital overhaul.

The official 2025 guidance projected operating expenses, which include personnel, administrative, and other costs, to increase in a range of 5% to 9% for the year. To give you a concrete anchor, the operating expenses for the twelve months ending September 30, 2025, were reported at $47.842B. For the fiscal quarter ending June 2025, operating expenses were BRL 4.61B.

The pressure on these expenses is directly tied to the transformation plan, which requires significant capital deployment. While a specific 2025 investment dollar amount isn't in the guidance documents, the strategic focus is clear, evidenced by the fact that in 2024, the bank completed key inorganic moves, including increasing its stake in Cielo and acquiring 50% of John Deere Bank.

Personnel costs remain a major component, supporting the extensive network structure. The bank is actively managing this physical presence, having closed traditional branches while opening company branches, with 122 units in operation, alongside adding more correspondent banking through the Bradesco Expresso platform. This network supports the overall cost base.

The cost of funding and interest expense on deposits is sensitive to the Central Bank of Brazil's policy rate, which was predicted to close 2025 at 14.75%. For a recent snapshot of the interest paid on deposits, the figure reported for the latest period available was 175,548 million BRL. The banking segment's Net Interest Income (NII) for the first quarter of 2025 was approximately $4.0 billion.

Maintaining asset quality requires careful management of the Provision for Loan Losses (PCLD). The guidance for 2025 was set for NII Net of provisions (Net Interest Income minus Expanded Loan Loss Provisions) to fall between R$37 billion and R$41 billion. This provision strategy is set against a backdrop where the more-than-90-day nonperforming loan ratio peaked at 5.7% in June 2023, with recent reports suggesting provisions were low due to falling delinquency.

Here is a summary of the key cost-related figures and guidance points:

Cost Component	Metric/Guidance	Value/Range
Operating Expenses (2025 Projection)	Percentage Increase	5% to 9%
Operating Expenses (TTM as of Sep 30, 2025)	Absolute Value	$47.842B
Operating Expenses (Q2 2025)	Quarterly Value	BRL 4.61B
Physical Network Footprint	Company Branches in Operation	122 units
Cost of Funding	Projected Selic Rate (End of 2025)	14.75%
Cost of Funding	Interest Paid on Deposits (Latest Reported Period)	175,548 million BRL
Provision for Loan Losses (PCLD)	NII Net of Provisions Guidance (2025)	R$37B to R$41B

The bank's focus on digital adoption is significant, with 99% of transactions conducted digitally in 2024, which implies a shift in the composition of operating expenses away from traditional branch overhead.

• Personnel costs are intrinsically linked to the branch and correspondent network size.
• Investments in the transformation plan are pressuring operating expenses.
• The bank is strengthening teams in technology and credit as part of its strategic plan.
• The quality of new loan vintages is reported as good, supporting lower expected cost of risk.

Finance: review the Q3 2025 expense breakdown against the 5% to 9% full-year target by next Tuesday.

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

You're looking at the core ways Banco Bradesco S.A. brings in money as of late 2025. It's a mix of traditional banking, insurance strength, and growing fee-based services.

The overall top-line performance shows solid growth, with Total Revenue (TTM ending Q3 2025) reported at approximately $51.083 billion.

Here's a breakdown of the key revenue components:

• Net Interest Income (NII) from the loan portfolio.
• Fee and Commission Income, projected to grow 5% to 9% in 2025.
• Income from Insurance, Pension, and Capitalization, projected to grow 9% to 13%.
• Asset management and investment banking fees.

Net Interest Income (NII) remains a foundational piece, supported by loan book expansion. For the third quarter of 2025, Net Interest Income reached BRL 16,013.35 million, up from BRL 13,625.94 million a year ago. Client NII specifically totaled R$18.6 billion in Q3 2025, showing a 19.0% year-over-year growth.

The fee-based income streams are showing acceleration, reflecting the strategic focus on non-lending revenue sources. You can see the specific growth areas below:

Fee/Income Stream	Metric/Data Point	Period/Context
Fee and Commission Income (Total)	Growth projection of 5% to 9%	FY 2025 Guidance
Fee and Commission Income (Total)	Totaled R$10.6 billion	Q3 2025
Credit Card Fee Income	Growth of almost 14% year-over-year	Q3 2025
Consortium Management Income	Growth of 22.1% year-over-year	Q3 2025
Capital Markets/Financial Advisory	Growth of 29.9% quarter-over-quarter	Q3 2025
Investment Banking	Drop of 29.9%	Q3 2025 due to high baseline

Income from the Insurance Group is also a significant driver, with its revenue growth revised upwards for the year. The Insurance Group Revenue showed a growth of 13% year-on-year in Q3 2025. Furthermore, the Asset Management division holds substantial client assets, with Assets Under Management reported at BRL 1 trillion as of the third quarter of 2025.

The bank's Q3 2025 performance highlights these revenue streams:

• Recurring Net Income: R$6.2 billion, up 18.8% year-over-year.
• Total Revenue: R$35.0 billion, up 13.1% year-over-year.
• Loan Portfolio Growth: 9.6% year-over-year.
• Insurance Group ROE: Over 21%.

Finance: draft the Q4 2025 revenue projection based on these Q3 trends by next Tuesday.