Banco Bradesco S.A. (BBDO): Business Model Canvas [Jan-2025 Mis à jour]

Dans le monde dynamique de la banque brésilienne, Banco Bradesco S.A. est une puissance technologique, révolutionnant les services financiers grâce à sa toile de modèle commercial innovant. En mélangeant stratégiquement l'expertise bancaire traditionnelle avec des solutions numériques de pointe, Bradesco s'est positionné en tant que leader du marché, servant des millions de clients à travers divers segments avec des produits financiers complets et des expériences numériques inégalées. Cette exploration dévoile le plan complexe qui anime l'une des institutions bancaires les plus sophistiquées du Brésil, offrant un aperçu de la façon dont les partenariats stratégiques, les infrastructures technologiques avancées et les approches centrées sur le client convergent pour créer un modèle commercial robuste et adaptable.

Banco Bradesco S.A. (BBDO) - Modèle commercial: partenariats clés

Alliances stratégiques avec les entreprises mondiales de technologie financière

Banco Bradesco a établi des partenariats stratégiques avec les entreprises technologiques suivantes:

Partenaire	Focus de partenariat	Année établie
Microsoft	Infrastructure de cloud computing	2019
Google Cloud	Services de transformation numérique	2020
Ibm	Solutions d'intelligence artificielle	2018

Partenariats avec les agences gouvernementales brésiliennes

Bradesco collabore avec des entités gouvernementales clés:

• Banco Central do Brasil - Conformité réglementaire
• Ministère de l'économie - Programmes d'inclusion financière
• BNDES (Brésilienne de développement) - Initiatives de prêt

Collaboration avec les startups fintech pour l'innovation numérique

Le portefeuille de partenariat fintech de Bradesco comprend:

Startup fintech	Montant d'investissement	Type de partenariat
Nubance	300 millions de rands	Pieu de capitaux propres minoritaire
Banque C6	150 millions de R	Investissement stratégique

Coentreprises avec les réseaux bancaires internationaux

Partenariats du réseau bancaire international:

• Santander Brasil - plates-formes numériques partagées
• HSBC Brésil - Services bancaires d'entreprise

Relation avec les entreprises de traitement des paiements

Partenariats de traitement des paiements:

Fournisseur de paiement	Volume de transaction	Détails du partenariat
Visa	85 milliards de R $ par an	Traitement des cartes de crédit et de débit
MasterCard	72 milliards de R $ par an	Solutions de paiement numérique

Banco Bradesco S.A. (BBDO) - Modèle d'entreprise: Activités clés

Services de vente au détail et commerciaux

En 2024, Banco Bradesco opère avec 4 453 succursales bancaires et 4 784 points de service numérique à travers le Brésil. La banque dessert environ 75,4 millions de clients actifs, avec une base d'actifs totale de 1,92 billion de R $.

Catégorie de service	Nombre de clients	Volume de transaction annuel
Banque personnelle	52,6 millions	3,2 milliards de transactions
Banque commerciale	22,8 millions	1,5 milliard de transactions

Développement de la plate-forme bancaire numérique

Bradesco a investi 3,8 milliards de rands dans les initiatives de transformation numérique. Les canaux numériques de la banque comprennent:

• Application bancaire mobile avec 24,6 millions d'utilisateurs actifs
• Plateforme bancaire Internet desservant 18,4 millions de clients
• Nexte filiale bancaire numérique avec 4,2 millions de comptes numériques uniquement

Gestion des risques et avis financier

Bradesco maintient un cadre de gestion des risques sophistiquée avec:

Métrique de gestion des risques	Valeur 2024
Disposition de perte de prêt	32,5 milliards de R
Budget de gestion des risques de crédit	1,2 milliard de R

Investissement et gestion de la patrimoine

La division de gestion des investissements de Bradesco supervise:

• 689 milliards de rands en rands d'actifs gérés
• 1,6 million de titulaires de comptes d'investissement
• Plus de 250 options de produits d'investissement différents

Création de produits de crédit et de prêt

Répartition du portefeuille de prêts pour 2024:

Catégorie de prêt	Volume total	Part de marché
Prêts d'entreprise	456 milliards de R	18.7%
Prêts personnels	278 milliards de R	22.3%
Prêts hypothécaires	89 milliards de R	15.5%

Banco Bradesco S.A. (BBDO) - Modèle commercial: Ressources clés

Réseau de succursale étendue

En 2024, Banco Bradesco maintient:

Type de succursale	Nombre
Branches physiques totales	4,298
Branches numériques	1,247
Points de service	59,000

Infrastructure bancaire numérique

Les capacités bancaires numériques comprennent:

• Application bancaire mobile avec 47,2 millions d'utilisateurs actifs
• Plateforme bancaire en ligne desservant 34,6 millions de clients
• Volume des transactions numériques: 89,3% du total des transactions

Capacités technologiques

Investissement technologique	Montant
Budget technologique annuel	3,8 milliards de R
Personnel informatique	8 700 professionnels
Centres d'innovation numérique	3 centres dédiés

Ressources humaines

Composition de la main-d'œuvre:

• Total des employés: 86 324
• Employés ayant un enseignement supérieur: 73%
• Âge moyen des employés: 39 ans

Analyse des données et cybersécurité

Métrique de la cybersécurité	Valeur
Investissement annuel de cybersécurité	620 millions de R
Centres de traitement des données	4 centres redondants
Taille de l'équipe de cybersécurité	1 200 spécialistes

Banco Bradesco S.A. (BBDO) - Modèle d'entreprise: propositions de valeur

Solutions financières complètes pour les particuliers et les entreprises

Banco Bradesco offre un total de 64,1 millions de clients individuels et 4,3 millions de clients d'entreprise complets solutions financières au T3 2023.

Segment de clientèle	Total des clients	Pénétration du marché
Clients individuels	64,1 millions	38,2% du marché brésilien
Clients des entreprises	4,3 millions	26,5% des banques d'affaires brésiliennes

Expérience bancaire numérique innovante

Les plateformes numériques de Bradesco processus 95,2% du total des transactions bancaires via les canaux numériques en 2023.

• Application bancaire mobile avec 27,6 millions d'utilisateurs actifs
• Processus d'ouverture du compte numérique terminé en 10 minutes
• 95% du service client géré via des plateformes numériques

Service client personnalisé

Investissement de 1,2 milliard de RS dans les technologies d'expérience client en 2023.

Canal de service	Taux de satisfaction client
Support numérique	87.3%
Support de branche physique	82.6%

Large gamme de produits financiers

Bradesco propose 142 produits financiers différents dans les segments de la banque personnelle et d'entreprise.

• Lignes de crédit personnelles: 37 produits
• Options d'investissement: 45 instruments différents
• Solutions de banque d'entreprise: 60 services spécialisés

Taux d'intérêt concurrentiels et frais de transaction faibles

Taux d'intérêt moyens pour les prêts personnels à 2,45% par mois, nettement inférieur à la moyenne du marché de 3,1%.

Catégorie de produits	Taux d'intérêt moyen	Frais de transaction
Prêts personnels	2,45% par mois	5,90 R $ par transaction
Lignes de crédit d'entreprise	1,85% par mois	8,20 $ R par transaction

Banco Bradesco S.A. (BBDO) - Modèle d'entreprise: relations clients

Support client omnicanal

Banco Bradesco exploite 4 515 succursales bancaires et 5 281 points de service bancaire à partir de 2023. La banque maintient 57 706 distributeurs automatiques de billets à travers le Brésil. Les canaux numériques incluent les services bancaires mobiles avec 23,7 millions d'utilisateurs actifs et une plate-forme bancaire Internet desservant 19,4 millions de clients.

Canal de support	Nombre de points de contact
Branches physiques	4,515
Points de service bancaire	5,281
Guichets automatiques	57,706
Utilisateurs de la banque mobile	23,7 millions
Utilisateurs de la banque Internet	19,4 millions

Conseil financier personnalisé

Bradesco propose des services de conseil financier personnalisés par le biais de gestionnaires de relations dédiés aux personnes à haute noue. La banque dessert environ 71,4 millions de clients individuels et 3,5 millions de clients d'entreprise.

Plates-formes de libre-service numériques

Les plates-formes numériques de Bradesco comprennent:

• Application bancaire mobile avec 23,7 millions d'utilisateurs actifs
• Plateforme des services bancaires sur Internet
• Processus d'ouverture du compte numérique
• Services de prêt et d'investissement en ligne

Programmes de fidélité et récompenses

Le programme de fidélisation de Bradesco Next comprend:

• Programme de récompenses Bradesco avec 5,2 millions de participants actifs
• Système de rachat de points sur plus de 10 000 marchands partenaires
• Offres de cashback personnalisés

Stratégies de l'engagement client proactif

Bradesco emploie des techniques avancées d'engagement client:

• Recommandations financières personnalisées axées sur l'IA
• Analyse prédictive pour les besoins des clients
• Campagnes de marketing ciblées atteignant 71,4 millions de clients

Métrique de l'engagement	Valeur
Total de clientèle	71,4 millions de clients individuels
Clients des entreprises	3,5 millions
Membres du programme de fidélité	5,2 millions

Banco Bradesco S.A. (BBDO) - Modèle d'entreprise: canaux

Site Web de banque en ligne

Métriques de plate-forme numérique:

• Utilisateurs bancaires en ligne actifs: 35,2 millions au quatrième trimestre 2023
• Total des transactions numériques en 2023: 4,7 milliards
• Visiteurs mensuels du site Web: 22,5 millions

Type de canal	Engagement des utilisateurs	Volume de transaction
Site Web de banque en ligne	35,2 millions d'utilisateurs actifs	4,7 milliards de transactions / an

Application bancaire mobile

Statistiques de la plate-forme mobile:

• Téléchargements d'applications mobiles: 28,6 millions
• Utilisateurs de banque mobile actifs: 26,8 millions
• Pourcentage de transaction mobile: 62% du total des transactions numériques

Métrique de l'application mobile	2023 données
Téléchargements totaux	28,6 millions
Utilisateurs actifs	26,8 millions

Réseau de succursale physique

Infrastructure de succursale:

• Branches physiques totales: 3 816
• Couverture géographique: les 26 États brésiliens
• Employés de la succursale: 92 000

Infrastructure ATM

Détails du réseau ATM:

• Machines ATM total: 57 200
• Emplacements ATM: couverture nationale
• Transactions ATM quotidiennes: 1,2 million

Plateformes de service client numérique

Canaux de service client:

• Canaux de support numériques: 5 plateformes différentes
• Interactions annuelles sur les clients numériques: 68,4 millions
• Temps de réponse moyen: 12 minutes

Canal de service	Interactions annuelles	Temps de réponse moyen
Service client numérique	68,4 millions	12 minutes

Banco Bradesco S.A. (BBDO) - Modèle d'entreprise: segments de clientèle

Clients bancaires de détail individuels

En 2024, Banco Bradesco dessert environ 71,4 millions de clients bancaires de détail individuels. La ventilation de la base de clients de la banque comprend:

Catégorie client	Nombre de clients	Pourcentage
Utilisateurs de la banque numérique	46,2 millions	64.7%
Utilisateurs de la banque mobile	39,8 millions	55.7%
Groupe d'âge 18-35	28,5 millions	39.9%

Petites et moyennes entreprises

Banco Bradesco soutient 1,2 million de petites et moyennes entreprises (PME) avec des services financiers spécialisés.

• Portefeuille de crédit total pour les PME: R 185,3 milliards de dollars
• Taille moyenne du prêt: 154 000 $ R
• Distribution du secteur:
  • Fabrication: 32%
  • Services: 28%
  • Retail: 22%
  • Agriculture: 18%

GRANDES clients d'entreprise

La banque dessert 5 600 clients de grandes entreprises dans diverses industries.

Secteur de l'industrie	Nombre de clients	Exposition totale au crédit
Énergie	680	42,6 milliards de R
Infrastructure	450	35,2 milliards de R
Fabrication	1,200	62,8 milliards de R
Agriculture	750	28,4 milliards de R

Individus à haute nette

Bradesco gère la richesse pour 280 000 individus à haute noue.

• Valeur du portefeuille individuel moyen: 4,2 millions de dollars
• Total des actifs sous gestion: 1,176 billion de R
• Distribution du segment de richesse:
  • Valeur nette ultra élevée (> R 20 millions de dollars): 12%
  • Valeur nette élevée (5-20 millions de R): 35%
  • Aisé (1 à 5 millions de R): 53%

Organisations du secteur public

Banco Bradesco dessert 2 300 organisations du secteur public.

Type d'organisation	Nombre de clients	Valeur totale des services financiers
Gouvernements municipaux	1,100	22,7 milliards de R
Gouvernements des États	26	18,3 milliards de dollars
Agences fédérales	174	35,6 milliards de R

Banco Bradesco S.A. (BBDO) - Modèle d'entreprise: Structure des coûts

Investissements infrastructures technologiques

En 2023, Banco Bradesco a investi des R 3,4 milliards de dollars dans l'infrastructure technologique et la transformation numérique. Les dépenses technologiques de la banque représentaient environ 12,7% de ses coûts opérationnels totaux.

Catégorie d'investissement technologique	Montant (R $ milliards)
Plateformes bancaires numériques	1.2
Systèmes de cybersécurité	0.6
Infrastructure de cloud computing	0.8
IA et apprentissage automatique	0.4

Salaires et formation des employés

Les dépenses de personnel de Bradesco en 2023 ont totalisé 22,6 milliards de R $, avec un salaire annuel moyen de 89 500 R $ par employé.

• Total des employés: 95 254
• Investissement de formation par employé: 3 200 R $ par an
• Dépenses de formation totale: 304,8 millions de R

Maintenance du réseau de succursales

Les coûts de maintenance des succursales pour 2023 étaient de 1,8 milliard de rands, couvrant 3 515 succursales physiques à l'échelle nationale.

Catégorie de dépenses de maintenance	Montant (R $ Millions)
Loyer et services publics	680
Infrastructure physique	520
Systèmes de sécurité	350
Équipement de succursale	250

Frais de conformité réglementaire

Bradesco a dépensé 675 millions de rands de rands pour la conformité réglementaire et les exigences légales en 2023.

• Taille de l'équipe de conformité: 412 professionnels
• Systèmes anti-blanchiment de l'argent: 180 millions de dollars
• Infrastructure de rapport réglementaire: 95 millions de R

Coûts de marketing et d'acquisition des clients

Les dépenses de marketing en 2023 ont atteint 1,2 milliard de R $, avec un coût d'acquisition de client de 85 R $ par nouveau client.

Canal de marketing	Dépenses (R $ millions)
Marketing numérique	420
Médias traditionnels	350
Parrainage	230
Programmes de rétention à la clientèle	200

Banco Bradesco S.A. (BBDO) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts et des produits de crédit

En 2022, Banco Bradesco a déclaré un revenu net des intérêts de 70,4 milliards de BRL. Le portefeuille de prêts de la banque a totalisé 887,6 milliards de BRL, avec une propagation d'intérêt moyenne de 9,3%.

Catégorie de prêt	Volume total (milliards de brl)	Fourchette de taux d'intérêt
Prêts d'entreprise	378.2	8.5% - 12.3%
Prêts personnels	249.5	15.7% - 22.4%
Prêts hypothécaires	89.3	7.2% - 9.6%

Frais de service bancaire

Bradesco a généré BRL 23,8 milliards de frais de service en 2022, avec la ventilation suivante:

• Frais de maintenance du compte: BRL 6,2 milliards
• Frais de transaction: BRL 8,7 milliards
• Frais de traitement des cartes de crédit: BRL 5,4 milliards
• Autres services bancaires: BRL 3,5 milliards

Revenus de gestion des investissements

La Banque a géré BRL 1,2 billion d'actifs, générant des BRL de 12,6 milliards de revenus de gestion des investissements en 2022.

Produit d'investissement	Total des actifs (BRL milliards)	Revenus générés (BRL milliards)
Fonds communs de placement	542.3	6.7
Fonds de pension	398.6	4.2
Gestion de la richesse	259.1	1.7

Commissions de transaction numérique

Les transactions numériques ont généré BRL 5,4 milliards de commissions, avec 68% provenant des plates-formes bancaires mobiles.

• Transactions bancaires mobiles: 1,2 milliard
• Commissions de paiement en ligne: BRL 2,3 milliards
• Transactions de portefeuille numérique: BRL 1,9 milliard

Ventes d'assurance et de produits financiers

Le segment des assurances et des produits financiers de Bradesco a généré BRL 18,7 milliards de revenus en 2022.

Catégorie de produits	Revenus (BRL milliards)	Part de marché
Assurance-vie	6.9	22.3%
Assurance immobilière	4.8	18.6%
Produits financiers spécialisés	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.