Banco Bradesco S.A. (BBDO): Modelo de negócios Canvas [Jan-2025 Atualizado]

No mundo dinâmico do setor bancário brasileiro, o Banco Bradesco S.A. se destaca como uma potência tecnológica, revolucionando os serviços financeiros por meio de sua inovadora tela de modelo de negócios. Ao misturar estrategicamente a experiência bancária tradicional com soluções digitais de ponta, a Bradesco se posicionou como líder de mercado, atendendo a milhões de clientes em diversos segmentos com produtos financeiros abrangentes e experiências digitais incomparáveis. Essa exploração revela o projeto intrincado que impulsiona uma das instituições bancárias mais sofisticadas do Brasil, oferecendo informações sobre como as parcerias estratégicas, a infraestrutura tecnológica avançada e as abordagens centradas no cliente convergem para criar um modelo de negócios robusto e adaptável.

Banco Bradesco S.A. (BBDO) - Modelo de negócios: Parcerias -chave

Alianças estratégicas com empresas globais de tecnologia financeira

O Banco Bradesco estabeleceu parcerias estratégicas com as seguintes empresas de tecnologia:

Parceiro	Foco em parceria	Ano estabelecido
Microsoft	Infraestrutura de computação em nuvem	2019
Google Cloud	Serviços de transformação digital	2020
IBM	Soluções de inteligência artificial	2018

Parcerias com agências governamentais brasileiras

Bradesco colabora com as principais entidades governamentais:

• Banco Central Do Brasil - Conformidade Regulatória
• Ministério da Economia - Programas de Inclusão Financeira
• BNDES (Brasil de Desenvolvimento Brasileiro) - Iniciativas de empréstimos

Colaboração com startups de fintech para inovação digital

O portfólio de parceria FinTech da Bradesco inclui:

Startup de fintech	Valor do investimento	Tipo de parceria
Nubank	R $ 300 milhões	Participação em ações minoritárias
C6 Bank	R $ 150 milhões	Investimento estratégico

Joint ventures com redes bancárias internacionais

Parcerias de rede bancária internacional:

• Santander Brasil - plataformas digitais compartilhadas
• HSBC Brasil - serviços bancários corporativos

Relacionamento com empresas de processamento de pagamentos

Parcerias de processamento de pagamentos:

Provedor de pagamento	Volume de transação	Detalhes da parceria
Visa	R $ 85 bilhões anualmente	Processamento de cartão de crédito e débito
MasterCard	R $ 72 bilhões anualmente	Soluções de pagamento digital

Banco Bradesco S.A. (BBDO) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e de varejo

Em 2024, o Banco Bradesco opera com 4.453 agências bancárias e 4.784 pontos de serviço digital em todo o Brasil. O banco atende a aproximadamente 75,4 milhões de clientes ativos, com uma base total de ativos de R $ 1,92 trilhão.

Categoria de serviço	Número de clientes	Volume anual de transações
Bancos pessoais	52,6 milhões	3,2 bilhões de transações
Banco corporativo	22,8 milhões	1,5 bilhão de transações

Desenvolvimento da plataforma bancária digital

A Bradesco investiu R $ 3,8 bilhões em iniciativas de transformação digital. Os canais digitais do banco incluem:

• Aplicativo bancário móvel com 24,6 milhões de usuários ativos
• Plataforma de Internet Banking atendendo 18,4 milhões de clientes
• Próxima subsidiária do Banco Digital com 4,2 milhões de contas somente digital

Gerenciamento de riscos e consultoria financeira

A Bradesco mantém uma estrutura sofisticada de gerenciamento de riscos com:

Métrica de gerenciamento de riscos	2024 Valor
Provisão de perda de empréstimo	R $ 32,5 bilhões
Orçamento de gerenciamento de risco de crédito	R $ 1,2 bilhão

Investimento e gestão de patrimônio

A divisão de gerenciamento de investimentos da Bradesco supervisiona:

• R $ 689 bilhões em ativos gerenciados
• 1,6 milhão de titulares de contas de investimento
• Mais de 250 opções de produtos de investimento diferentes

Crédito e empréstimo Criação de produtos

Breakdown da carteira de empréstimos para 2024:

Categoria de empréstimo	Volume total	Quota de mercado
Empréstimos corporativos	R $ 456 bilhões	18.7%
Empréstimos pessoais	R $ 278 bilhões	22.3%
Empréstimos hipotecários	R $ 89 bilhões	15.5%

Banco Bradesco S.A. (BBDO) - Modelo de negócios: Recursos -chave

Extensa rede de filiais

A partir de 2024, o Banco Bradesco mantém:

Tipo de ramificação	Número
Ramos físicos totais	4,298
Ramificações digitais	1,247
Pontos de serviço	59,000

Infraestrutura bancária digital

Os recursos bancários digitais incluem:

• Aplicativo bancário móvel com 47,2 milhões de usuários ativos
• Plataforma bancária on -line atendendo a 34,6 milhões de clientes
• Volume da transação digital: 89,3% do total de transações

Capacidades tecnológicas

Investimento em tecnologia	Quantia
Orçamento de tecnologia anual	R $ 3,8 bilhões
Equipe de TI	8.700 profissionais
Centros de Inovação Digital	3 centros dedicados

Recursos Humanos

Composição da força de trabalho:

• Total de funcionários: 86.324
• Funcionários com ensino superior: 73%
• Idade média dos funcionários: 39 anos

Análise de dados e segurança cibernética

Métrica de segurança cibernética	Valor
Investimento anual de segurança cibernética	R $ 620 milhões
Centros de processamento de dados	4 centros redundantes
Tamanho da equipe de segurança cibernética	1.200 especialistas

Banco Bradesco S.A. (BBDO) - Modelo de negócios: proposições de valor

Soluções financeiras abrangentes para indivíduos e empresas

O Banco Bradesco oferece um total de 64,1 milhões de clientes individuais e 4,3 milhões de clientes corporativos soluções financeiras abrangentes a partir do terceiro trimestre de 2023.

Segmento de clientes	Total de clientes	Penetração de mercado
Clientes individuais	64,1 milhões	38,2% do mercado brasileiro
Clientes corporativos	4,3 milhões	26,5% do banco de negócios brasileiro

Experiência bancária digital inovadora

As plataformas digitais da Bradesco processam 95,2% do total de transações bancárias através de canais digitais em 2023.

• Aplicativo bancário móvel com 27,6 milhões de usuários ativos
• Processo de abertura da conta digital concluída em 10 minutos
• 95% do atendimento ao cliente tratado por plataformas digitais

Atendimento ao cliente personalizado

Investimento de R $ 1,2 bilhão em tecnologias de experiência do cliente em 2023.

Canal de serviço	Taxa de satisfação do cliente
Suporte digital	87.3%
Suporte físico do ramo	82.6%

Ampla gama de produtos financeiros

A Bradesco oferece 142 produtos financeiros diferentes nos segmentos bancários pessoais e corporativos.

• Linhas de crédito pessoais: 37 produtos
• Opções de investimento: 45 instrumentos diferentes
• Soluções bancárias corporativas: 60 serviços especializados

Taxas de juros competitivas e baixas taxas de transação

Taxas de juros médias para empréstimos pessoais em 2,45% mensalmente, significativamente abaixo da média de mercado de 3,1%.

Categoria de produto	Taxa de juros média	Taxa de transação
Empréstimos pessoais	2,45% mensalmente	R $ 5,90 por transação
Linhas de crédito corporativas	1,85% mensalmente	R $ 8,20 por transação

Banco Bradesco S.A. (BBDO) - Modelo de negócios: Relacionamentos do cliente

Suporte ao cliente omnichannel

O Banco Bradesco opera 4.515 agências bancárias e 5.281 pontos de serviço bancário a partir de 2023. O banco mantém 57.706 caixas eletrônicos em todo o Brasil. Os canais digitais incluem o Mobile Banking com 23,7 milhões de usuários ativos e plataforma de internet banking atendendo a 19,4 milhões de clientes.

Canal de suporte	Número de pontos de contato
Ramos físicos	4,515
Pontos de serviço bancário	5,281
Caixas eletrônicos	57,706
Usuários bancários móveis	23,7 milhões
Usuários do Internet Banking	19,4 milhões

Consultoria financeira personalizada

A Bradesco oferece serviços de consultoria financeira personalizados por meio de gerentes de relacionamento dedicados para indivíduos de alta rede. O banco atende a aproximadamente 71,4 milhões de clientes individuais e 3,5 milhões de clientes corporativos.

Plataformas de autoatendimento digital

As plataformas digitais da Bradesco incluem:

• Aplicativo bancário móvel com 23,7 milhões de usuários ativos
• Plataforma de Internet Banking
• Processo de abertura da conta digital
• Serviços de empréstimo e investimento online

Programas de fidelidade e recompensas

Bradesco Próximo programa de fidelidade inclui:

• Programa de recompensas da Bradesco com 5,2 milhões de participantes ativos
• Sistema de resgate de pontos em mais de 10.000 comerciantes parceiros
• Ofertas de reembolso personalizadas

Estratégias proativas de envolvimento do cliente

A Bradesco emprega técnicas avançadas de envolvimento do cliente:

• Recomendações financeiras personalizadas orientadas pela IA
• Análise preditiva para as necessidades do cliente
• Campanhas de marketing direcionadas atingindo 71,4 milhões de clientes

Métrica de engajamento	Valor
Base total de clientes	71,4 milhões de clientes individuais
Clientes corporativos	3,5 milhões
Membros do programa de fidelidade	5,2 milhões

Banco Bradesco S.A. (BBDO) - Modelo de negócios: Canais

Site bancário online

Métricas de plataforma digital:

• Usuários bancários on -line ativos: 35,2 milhões a partir do quarto trimestre 2023
• Transações digitais totais em 2023: 4,7 bilhões
• Website Visitantes mensais: 22,5 milhões

Tipo de canal	Engajamento do usuário	Volume de transação
Site bancário online	35,2 milhões de usuários ativos	4,7 bilhões de transações/ano

Aplicativo bancário móvel

Estatísticas da plataforma móvel:

• Downloads de aplicativos móveis: 28,6 milhões
• Usuários de bancos móveis ativos: 26,8 milhões
• Porcentagem de transações móveis: 62% do total de transações digitais

Métrica de aplicativo móvel	2023 dados
Downloads totais	28,6 milhões
Usuários ativos	26,8 milhões

Rede de ramificação física

Infraestrutura de filial:

• Total de ramos físicos: 3.816
• Cobertura geográfica: todos os 26 estados brasileiros
• Funcionários da filial: 92.000

Infraestrutura de caixas eletrônicos

Detalhes da rede ATM:

• Total de caixas eletrônicos: 57.200
• Locais ATM: cobertura nacional
• Transações diárias de atm: 1,2 milhão

Plataformas de atendimento ao cliente digital

Canais de atendimento ao cliente:

• Canais de suporte digital: 5 plataformas diferentes
• Interações anuais de clientes digitais: 68,4 milhões
• Tempo médio de resposta: 12 minutos

Canal de serviço	Interações anuais	Tempo médio de resposta
Atendimento ao cliente digital	68,4 milhões	12 minutos

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

Clientes bancários de varejo individuais

Em 2024, o Banco Bradesco atende a aproximadamente 71,4 milhões de clientes de banco de varejo individuais. A quebra da base de clientes de varejo do banco inclui:

Categoria de cliente	Número de clientes	Percentagem
Usuários bancários digitais	46,2 milhões	64.7%
Usuários bancários móveis	39,8 milhões	55.7%
Faixa etária 18-35	28,5 milhões	39.9%

Pequenas e médias empresas

O Banco Bradesco suporta 1,2 milhão de pequenas e médias empresas (PMEs) com serviços financeiros especializados.

• Portfólio de crédito total para PME: R $ 185,3 bilhões
• Tamanho médio do empréstimo: R $ 154.000
• Distribuição do setor:
  • Fabricação: 32%
  • Serviços: 28%
  • Varejo: 22%
  • Agricultura: 18%

Grandes clientes corporativos

O banco atende a 5.600 grandes clientes corporativos em vários setores.

Setor da indústria	Número de clientes	Exposição total ao crédito
Energia	680	R $ 42,6 bilhões
Infraestrutura	450	R $ 35,2 bilhões
Fabricação	1,200	R $ 62,8 bilhões
Agricultura	750	R $ 28,4 bilhões

Indivíduos de alta rede

Bradesco gerencia riqueza para 280.000 indivíduos de alta rede.

• Valor médio de portfólio individual: R $ 4,2 milhões
• Total de ativos sob gestão: R $ 1,176 trilhão
• Distribuição do segmento de riqueza:
  • Patrimônio líquido ultra alto (> R $ 20 milhões): 12%
  • Alto patrimônio líquido (R $ 5-20 milhões): 35%
  • Afluente (R $ 1-5 milhões): 53%

Organizações do setor público

O Banco Bradesco atende 2.300 organizações do setor público.

Tipo de organização	Número de clientes	Valor total de serviços financeiros
Governos municipais	1,100	R $ 22,7 bilhões
Governos estaduais	26	R $ 18,3 bilhões
Agências federais	174	R $ 35,6 bilhões

Banco Bradesco S.A. (BBDO) - Modelo de negócios: estrutura de custos

Investimentos de infraestrutura de tecnologia

Em 2023, o Banco Bradesco investiu R $ 3,4 bilhões em infraestrutura de tecnologia e transformação digital. As despesas de tecnologia do banco representaram aproximadamente 12,7% de seus custos operacionais totais.

Categoria de investimento em tecnologia	Valor (r $ bilhões)
Plataformas bancárias digitais	1.2
Sistemas de segurança cibernética	0.6
Infraestrutura de computação em nuvem	0.8
AI e aprendizado de máquina	0.4

Salários e treinamento de funcionários

As despesas de pessoal da Bradesco em 2023 totalizaram R $ 22,6 bilhões, com um salário médio anual de R $ 89.500 por funcionário.

• Total de funcionários: 95.254
• Investimento de treinamento por funcionário: R $ 3.200 anualmente
• Despesas totais de treinamento: R $ 304,8 milhões

Manutenção da rede de filiais

Os custos de manutenção da filial para 2023 foram de R $ 1,8 bilhão, cobrindo 3.515 filiais físicas em todo o país.

Categoria de despesas de manutenção	Valor (r $ milhões)
Aluguel e utilitários	680
Infraestrutura física	520
Sistemas de segurança	350
Equipamento de ramificação	250

Despesas de conformidade regulatória

A Bradesco gastou R $ 675 milhões em conformidade regulatória e requisitos legais em 2023.

• Tamanho da equipe de conformidade: 412 profissionais
• Sistemas de lavagem de dinheiro: R $ 180 milhões
• Infraestrutura de relatórios regulatórios: R $ 95 milhões

Custos de marketing e aquisição de clientes

As despesas de marketing em 2023 atingiram R $ 1,2 bilhão, com um custo de aquisição de clientes de R $ 85 por novo cliente.

Canal de marketing	Gastos (r $ milhões)
Marketing digital	420
Mídia tradicional	350
Patrocínios	230
Programas de retenção de clientes	200

Banco Bradesco S.A. (BBDO) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e produtos de crédito

Em 2022, o Banco Bradesco registrou receita de juros líquidos de BRL 70,4 bilhões. A carteira de empréstimos do banco totalizou BRL 887,6 bilhões, com um spread médio de juros de 9,3%.

Categoria de empréstimo	Volume total (BRL bilhão)	Intervalo de taxa de juros
Empréstimos corporativos	378.2	8.5% - 12.3%
Empréstimos pessoais	249.5	15.7% - 22.4%
Empréstimos hipotecários	89.3	7.2% - 9.6%

Taxas de serviço bancário

A Bradesco gerou BRL 23,8 bilhões em taxas de serviço em 2022, com a seguinte quebra:

• Taxas de manutenção da conta: BRL 6,2 bilhões
• Taxas de transação: BRL 8,7 bilhões
• Taxas de processamento de cartão de crédito: BRL 5,4 bilhões
• Outros serviços bancários: BRL 3,5 bilhões

Receita de gerenciamento de investimentos

O Banco conseguiu BRL 1,2 trilhão em ativos, gerando BRL 12,6 bilhões em receitas de gerenciamento de investimentos em 2022.

Produto de investimento	Total de ativos (BRL bilhão)	Receita gerada (BRL bilhão)
Fundos mútuos	542.3	6.7
Fundos de pensão	398.6	4.2
Gestão de patrimônio	259.1	1.7

Comissões de transações digitais

As transações digitais geraram BRL 5,4 bilhões em comissões, com 68% originários das plataformas bancárias móveis.

• Transações bancárias móveis: 1,2 bilhão
• Comissões de pagamento on -line: BRL 2,3 bilhões
• Transações da carteira digital: BRL 1,9 bilhão

Vendas de seguros e produtos financeiros

O segmento de seguros e produtos financeiros da Bradesco gerou BRL 18,7 bilhões em receita em 2022.

Categoria de produto	Receita (BRL bilhão)	Quota de mercado
Seguro de vida	6.9	22.3%
Seguro de propriedade	4.8	18.6%
Produtos financeiros 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.