Earnings release
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2Q21 Highlights Recurring Net Income Mill R $ 6.3 billion tA S + 63.2 % in 12 months ( 2021 x 2Q20 ) -3.0 % in the quarter Quarterly ROAE 18.2 % +6.4 p.p. in 12 months ( 2021 × 2Q20 ) -0.5 p.p. in the quarter bradesco R $ 6.0 billion in Interest on Shareholders ' Equity in the 1H21 , of which R $ 5.0 billion were in intermediary Interest on Shareholders ' Equity ( paid on July 12 , 2021 ) Payout of 52 % ( 44 % net ) 12 - month ER 45.7 % Improvement of 2.1 p.p. Fee and commission income R $ 8.4 billion + 10.3 % in 12 months ( 2q21 x 2Q20 ) + 4.3 % in the quarter Expanded loan portfolio R $ 726.5 billion ( 2Q21 x 2Q20 ) Operating expenses reduction of -4.1 % in 12 months ( 2021 x 2Q20 ) -1.9 % in the quarter + 9.9 % in 12 months + 3.0 % in the quarter + 3.7 % COMPANIES in 12 months + 1.4 % in the quarter Q INDIVIDUALS + 21.0 % in 12 months + 5.7 % in the quarter Expanded ALL R $ 3.5 billion Coverage ratio 90 days 324.7 % -60.8 % in 12 months ( 2Q21 x 2Q20 ) -10.7 % in the quarter Delinquency ratio 90 days 2.5 %