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R$ 7.11 bn 3Q26 Recurring Net Income 3Q26 vs. 2Q26 (q/q) 3Q26 vs. 3Q25 (y/y) 0.8% 14.6% Highlights 2 Total revenues grow by 8.4% y/y, driven by net interest income growth of 14.2% y/y Robust expense control, preserving investments in the transformation plan Loan portfolio grows in lines with more collateral and good RAR (Risk-Adjusted Return) Tighter credit market Insurance maintaining a 22.0% ROAE, with Bradsaúde as a highlight R$10 bn capital increase completed Ex-capital increase ROAE 16.1% 15.6% 1.4 p.p. (y/y)0.1 p.p. (q/q)
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R$ 1,150 bn Sept26 1.1% (q/q) 11.1% (y/y) 3 Expanded Loan Portfolio Individuals 1.1% (q/q) 7.4% (y/y) R$484.9 bn SMEs Large Corporates 1.8% (q/q) 13.0% (y/y) 0.7% (q/q) 14.8% (y/y) R$272.5 bn R$392.2 bn Public Private 1.7% (q/q) 11.1% (y/y) 13.3% (q/q) 102.0% (y/y) Payroll Loans Vehicles Individuals 5.8% (q/q) 26.8% (y/y) Real Estate 2.9% (q/q) 8.0% (y/y)1.9% (q/q) 41.8% (y/y) Rural Large Corporates 0.7% (q/q) 31.5% (y/y) Credit Card Lower Income 1.5% (q/q) 2.9% (y/y) Working Capital unsecured SME 3.3% (q/q) 7.2% (y/y) Personal Loans 2.3% (Sept26 vs. Dec25) 11.4% (Sept26 vs. Dec25) Working Capital with FGI and FGO guarantees 3 1.6% (q/q) 2.3% (y/y) Rural Individuals and SMEs 5.8% (Sept26 vs. Dec25) 0.9% (q/q) 2.5% (y/y) 2.0% (Sept26 vs. Dec25) 3.1% Aug26 6.6% Bradesco Market 3.9% Dec25 9.7% Over 90 days NPL 1 Private 5.4% Aug26 5.5% Bradesco Market 4.9% Dec25 10.6% INSS 1.8% Aug26 1.9% Bradesco Market 1.7% Dec25 2.2% 2.8% Aug26 2.8% Bradesco Market 2.7% Dec25 3.8% Payroll LoansRural Individuals Total Evolution of the Expanded Loan Portfolio 1,150 1,137 1,090 1,089 1,034 1,018 1,005 982 944 Sept26June26Mar26Dec25Sept25June25Mar25Dec24Sept24
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R$1,150 bn ▲1.1% (q/q) ▲11.1% (y/y) main products performance (%) credit growth remains balanced and focused on risk-adjusted return 12M growth – in % Total 9.6 11.0 8.4 11.6 11.1 Sept25 Dec Mar26 June Sept Individuals R$484.9 bn 13.8 12.7 9.5 8.4 7.4 Sept25 Dec Mar26 June Sept SMEs R$272.5 bn 24.8 21.3 14.4 16.1 13.0 Sept25 Dec Mar26 June Sept Large Corporates R$392.2 bn -3.5 2.7 3.3 12.7 14.8 Sept25 Dec Mar26 June Sept 4 Sept26 Expanded Loan Portfolio q/q y/y \\ Individuals 1.1 7.4 Payroll Loans 1.0 7.7 Private 13.3 102.0 Vehicles 5.8 26.8 Real Estate 2.5 5.8 Credit Card 0.4 9.2 High Income 3.0 18.5 Lower Income (1.5) 2.9 Personal Loans (0.9) (2.5) Rural Loans (2.2) 6.3 \\ SMEs 1.8 13.0 \\ Large Corporates 0.7 14.8 \\ Companies 1.2 14.1 Working Capital (0.9) 15.0 With FGI and FGO guarantees 0.7 31.5 Unsecured (2.0) 5.0 Rural Loans 1.9 30.2 Large Corporates 1.9 41.8 Real Estate 3.9 15.2 Securities 2.4 26.2 Guarantees and Sureties 4.6 15.9 CDC / Leasing (1.9) 0.9
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5 Expanded Loan Portfolio highlights Public Private 1.7% (q/q) 11.1% (y/y) 13.3% (q/q) 102.0% (y/y) Payroll Loans Vehicles Individuals 5.8% (q/q) 26.8% (y/y) Real Estate 2.9% (q/q) 8.0% (y/y)1.9% (q/q) 41.8% (y/y) Rural Large Corporates 0.7% (q/q) 31.5% (y/y) Credit Card Lower Income 1.5% (q/q) 2.9% (y/y) Working Capital unsecured SME 3.3% (q/q) 7.2% (y/y) Personal Loans 2.3% (Sept26 vs. Dec25) 11.4% (Sept26 vs. Dec25) Working Capital with FGI and FGO guarantees 5 1.6% (q/q) 2.3% (y/y) Rural Individuals and SMEs 5.8% (Sept26 vs. Dec25) 0.9% (q/q) 2.5% (y/y) 2.0% (Sept26 vs. Dec25) 3.1% Aug26 6.6% Bradesco Market 3.9% Dec25 9.7% Over 90 days NPL 1. Excludes JDB 1 Private 5.4% Aug26 5.5% Bradesco Market 4.9% Dec25 10.6% INSS 1.8% Aug26 1.9% Bradesco Market 1.7% Dec25 2.2% 2.8% Aug26 2.8% Bradesco Market 2.7% Dec25 3.8% Payroll LoansRural Individuals Total
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payroll-deductible loansLoan Portfolio Market share gains in corporate lending, led by working capital with FGI and FGO guarantees Stressed Scenario Current Scenario Example of guarantee-claim usage exercise FGI 90 days past due +30 days for guarantee payment FGO 180 days past due +5 days for guarantee payment Stop Loss 6 Corporate Earmarked Total Non-earmarked Individuals +7.1 p.p. +7.1 p.p. +1.0 p.p. -1.5 p.p. -3.0 p.p. Bradesco vs. National Financial System (NFS) Aug26 BRADESCO NFS 14.2% 7.1% 20.0% 12.9% 10.2% 9.2% 5.0% 6.5% 7.5% 10.5% 12-month change
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Restructured PortfolioOver 90-day Non-Performing Loans - % Loan Portfolio by Stages - % Loan Portfolio - Evolution of the Secured Portfolio ‘ (1) (1) Total 15 to 90-day NPL of 4.2% in Sept26, vs. 4.0% in June26. Restructured Portfolio / Loan Portfolio - % Asset Quality Indicators 7 19.819.819.120.222.6 5.65.96.16.45.7 25.425.725.226.628.3 SeptJuneMar26DecSept25 3.03.13.13.3 3.7 5.85.55.45.45.4 4.64.3 4.24.14.1 4.9 4.4 4.0 3.83.7 0.30.20.20.30.4 SeptJuneMar26DecSept25 Individuals Total SME Large Corporates Cured Operations Problematic Asset (Stage 3) R$ billion ~72% secured loans in Individuals 87.3%87.0%87.3%88.0%88.1%87.8% 5.5%5.6%5.5%4.9%4.6%4.5% 7.2%7.4%7.2%7.1%7.3%7.7% Sept26 (pro forma) SeptJuneMar26DecSept25 Stage 1 Stage 2 Stage 3 Note: Stage 3 in the expanded loan portfolio stood at 7.5%, stable q/q and y/y. In 3Q26, NPL coverage – new stage 3 was 83% (94% in 9M26). Excluding the effect of working capital lines with FGI and FGO guarantees, coverage would be above 100% in every quarter of 2026. Calculation: LLP expenses / Stage 3 variation before write-offs. 0.09 p.p. JDB 0.14 p.p. Working Capital with FGI and FGO guarantees (2.8) bn Problematic asset reduction (y/y) 12.1% (y/y) 0.7 p.p. Sept26 vs. Sept25 87.3% 5.5% 7.2% Sept26 (pro forma) Excl. JDB 5.5% 61.261.060.859.359.5 54.053.8 48.548.048.645.1 38.839.039.240.740.5 46.046.2 51.552.051.454.9 SeptJuneMar26Dec25Sept25Dec24Dec23Dec22Dec21Dec20Dec19 Secured Unsecured %
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Total Net Interest Income R$38.0 bn 3Q26 1.1% (q/q) 8.4% (y/y) R$ billion 2.4% (q/q) 14.2% (y/y) R$21.4 bn 8 Fee and Commission Income Insurance, Pension Plans and Capitalization Bonds 4.2% (q/q) 3.1% (y/y) 8.6% (q/q) 2.0% (y/y) R$10.9 bn R$5.6 bn Total Revenue 38.037.636.936.1 35.1 34.1 32.432.9 31.1 3Q2Q1Q264Q3Q2Q1Q254Q3Q24 Total Revenue (NII + Fee and Commission Income + Income from Insurance, Pension Plans and Capitalization Bonds + Equity in the Earnings of Affiliates)
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R$ 21.4 bn 3Q26 Market NII Client NII net of provision 2.4% (q/q) 14.2% (y/y) R$ 10.6 bn 6.6% (q/q) 24.3% (y/y) R$ 10.7 bn 1.4% (q/q) 5.7% (y/y) NII Net of Provisions Expenses with Expanded LLP R$0.9 bn Client NII R$20.5 bn R$9.9 bn1.5% (q/q) 10.1% (y/y) 9 Net Interest Income 20.520.219.519.118.6 8.99.19.19.09.0 3Q2Q1Q264Q3Q25 Gross Client NII Gross Spread R$ billion % 9.910.29.810.310.1 4.24.54.54.84.8 3Q2Q1Q264Q3Q25 NII Net of Provisions Net Spread R$ billion % 3.5% (q/q) 2.0% (y/y) Cost of Risk 3.7% 0.4 p.p. (y/y) 10.610.09.78.88.6 3.73.53.53.23.3 3Q2Q1Q264Q3Q25 Expanded LLP Expanded LLP / Expanded Loan Portfolio (Annualized) % R$ billion Expenses with LLP 0.2 p.p. (q/q) 3Q26 9M26 R$2.1 bn
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Checking Account + Collections & Payments R$2.0 bn 2.7% (q/q) 4.9% (y/y) 10 Fee and Commission IncomeFee and Commission Income R$ 10.9 bn3Q26 4.2% (q/q) 3.1% (y/y) Capital Markets / Financial Advisory Services 4.8% (q/q) 23.8% (y/y) R$0.6 bn Consortium Management 6.0% (q/q) 8.8% (y/y) R$0.9 bn Record result, driven by High Income and Affiliates, ensuring resilient card revenues Bradesco Asset's AuM grows at more than twice the industry’s pace; market share reaches 9.2% in Aug26 Asset Management R$1.1 bn 8.6% (q/q) 6.6% (y/y) Card Income R$4.8 bn 7.5% (q/q) 4.5% (y/y) Revenues of R$36 bn, growth of 9% vs. 9M25 in M&A #1 in DCM Custody and Brokerage Services 5.7% (q/q) 12.8% (y/y) R$0.6 bn 15.6% (9M26 vs. 9M25)
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Income from insurance operations R$ million Insurance, Pension Plans and Capitalization Bonds 2.0% (y/y) 1.0% (y/y) 3.8% (y/y) 8.6% (q/q) 10.4% (q/q) Total Financial O perational R$30 bn Revenues from insurance premiums, pension contributions and capitalization bonds 3Q26 Net Income Quarterly ROAE 22.0% R$ 2.9 bn 3Q26 14.1% (y/y) Technical Provisions 1.9% (q/q) 11 R$ 478.9 bn Sept26 10.0% (y/y) 2.5% (q/q) 7.5% (q/q) 18.2% (9M26 vs. 9M25) 8.6% (9M26 vs. 9M25) 11.5% (9M26 vs. 9M25) 6.9% (9M26 vs. 9M25) 3,597 3,740 3,459 2,109 2,379 2,131 5,706 6,119 5,590 3Q25 2Q26 3Q26 Financial Result Operating Income 10,553 11,281 6,106 6,811 16,659 18,092 9M25 9M26 R$ 8.6 bn 9M26 R$88 bn 9M26 Excluding VGBL: 0.7% (q/q) 2.8% (y/y) 4.9% (9M26 vs. 9M25)
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Service Network Personnel + Administrative 0.2% (q/q) 1.8% (y/y) R$ 16.3 bn 3Q26 0.7% (q/q) 1.0% (y/y) Operating Expenses R$ 13.1 bn 4.41% (y/y) Average Inflation in 3Q26 852 Sept26 vs. Sept25 1,7411,8441,9382,0092,059 723698706724707 1,4281,5651,7231,8721,978 3,8924,1074,3674,6054,744 SeptJuneMar26DecSept25 Branches Business Units Service Centers 215 Sept26 vs. June26 12 Cost-to-Income Ratio 12 months - % 47.2 48.4 49.2 50.0 50.7 52.2 3Q2Q1Q264Q3Q254Q24 4.60% 2026 Collective wage increase agreement 1.2 p.p. (q/q) 3.5 p.p. (y/y) 1.5% (y/y) Excluding profit-sharing 5.0 p.p. (3Q26 vs. 4Q24)
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Dividends/IOC - Gross basel & dividends/ioc 13 Basel Ratio % | Tier I Basel & Dividends/IOC 13 10.2 11.3 11.3 14.5 12.1 2022 2023 2024 2025 9M26 R$ billion 11.3 12.1 1.5 1.512.8 13.7 June26 Sept26 Common Equity Additional Capital Common Equity Capital Tier I Capital 0.9 p.p. (q/q) R$4.6 bn minority shareholders R$5.4 bn controlling shareholders R$10.0 bnCapital Increase 0.8 p.p. (q/q) * * Excludes the remaining portion related to Bradsaúde, under review by the regulators
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b.ia turns 10 with new capabilities: • Pix with QR code on WhatsApp • Pix via text or voice • Investment transactions • Card tracking 39 available services -52% lead time 3.8x more business features 4x ~13.7k tech professionals CLIENTS 14 SEGMENTSEFFICIENCY GAINS SECURITY Agentic squads agents acting with more autonomy and professionals in charge of context, oversight and critical decisions BRIDGE 1,000+ use cases Agility at scale with +tribes and intensive use of Gen AI reducing lead time NEW APP FOR INDIVIDUALS More hires Increased team seniority Agile model Defenses strengthened with behavioral biometrics, analytical intelligence and more preventive action P R I N C I P A L ~500k 320k Clients Offices 62 93 Dec25 Sept26 Dec26 800+k 120+ P R I M E 4.6 mn 3.7 mn Clients Dec25 Sept26 Dec26 ~4.7 mn D I G I T A L 45+ mn 19 mn Clients Dec25 Sept26 Dec26 45+ mn +20% in revenue vs. Control Group 60 cities with 93 offices 1,500+ managers Significant increase in account openings and investments at Bradesco Bank 15 mn clients on chat ~90% resolution rate technology capacity (base 100 = 2023, reaching 400 in 2026) CLIENTS ~90% resolution rate turns 10 with new capabilities: • Pix with QR code on WhatsApp • Pix via text or voice • Investment transactions • Card tracking b.ia 39 available services 121.5 mn interactions in 2026 16.5 mn clients on chat
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Resilient net income, up 14.6% y/y Commercial traction and good risk management lead us to further prioritize collateralized lending, clients with good ratings and non-credit revenues Operating expenses growing below inflation, cost-to-income ratio keeps improving Investments in the transformation plan remain accelerated to boost competitiveness in the short, medium and long term Cost of risk pressured and sensitive to the macro scenario Strengthened capital ratio to keep seizing opportunities and investing in the transformation Conclusions Great Place to Work GPTW Brasil - 2026 Awards Awards Impacto Brasil Award 2026 Agile Trends - Oct26 15 Best Sub-Custodian Bank in Brazil 2026 Global Finance - Oct26