Slides
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bradsaúde WEBCAST 2Q26
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Q&A Agenda Results Bradsaúde Bradesco Saúde Odontoprev Atlântica
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Resultados Agenda Results Bradsaúde
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HIGHLIGHTS BRADSAÚDE 2Q26 1.0 p.p. (83.3% vs. 84.3%) LTM MLR improvement YoY +24.8% YoY (R$1.1 BI vs. R$0.9 BI) NET INCOME +312% YoY (R$64 MM vs. R$15 MM) ATLÂNTICA HOSPITAIS NET INCOME BENEFICIARIES Reaching 13.6 MM beneficiaries +99K Net Additions - Health +130K Net Additions - Dental (R$13.9 BI vs. R$12.5 BI) +10.8% YoY REVENUE +4.0 p.p. YoY (25.8% vs. 21.7%) ROAE 12 M
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BRADSAÚDE TOTAL BENEFICIARIESThousand Lives +855 Thousand lives +229 Thousand lives 3,771 3,774 3,850 3,923 3,976 4,075 8,901 MAR 25 JUN 25 SEP 25 DEC 25 MAR 26 JUN 26 12,755 12,982 13,187 13,381 13,610 8,981 9,132 9,264 9,405 9,535 12,672
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Strategegic segment Key growth driver 32 51 104 2T26 6M26 JUL25 JUN26 47 71 184 2T26 6M26 JUL25 JUN26 104k lives 184k lives Net additions: Thousand lives SME SEGMENT GROWTH SUPPORTED BY EXPANDING RETURNS 3 million beneficiaries Surpassed
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BRADSAÚDE TOTAL REVENUER$ MM 51,256 52,330 53,687 2025 APR 25 MAR 26 JUL 25 JUN 26 24,832 27,262 1H25 1H26 12,514 13,871 2Q25 2Q26 +9.8% +10.8%
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BRADSAÚDE MLR% of Earned Premiums 92.1 88.5 2024 JUL 24 JUN 25 84.3 83.4 83.3 2023 2025 JUL 25 JUN 26 -1.0 p.p. 82.2 83.8 2Q25 2Q26 81.5 81.4 1H25 1H26 +1.7 p.p. -0.1 p.p.
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BRADSAÚDE NET INCOMER$ MM +24.8% 3,657 3,959 4,180 2025 APR 25 MAR 26 JUL 25 JUN 26 1,895 2,418 1H25 1H26 889 1,110 2Q25 2Q26 +27.6%
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Resultados Agenda Results Bradsaúde
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Resultados Agenda Bradesco Saúde Results
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DEC 22 DEC 23 DEC 24 JUN 25 DEC 25 MAR 26 JUN 26 885 1.947 114 1,095 1,863 4,040 1,042 843 108 1,825 1,017 837 104 1,853 1,012 807 102 1,975 1,065 784 100 1,985 1,085 807 99 2,029 1,116 831 99 3,857 3,783 3,774 4,075 3,9763,923 BRADESCO SAÚDE BENEFICIARIESThousand lives IndividualASOSMECorporate +301 Thousand lives +99 Thousand lives
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BRADESCO SAÚDE NET ADDITIONS -184 -74 DEC 22 DEC 23 DEC 24 DEC 25 MAR 26 JUN 26 242 141 205 301 LTM | Thousand lives
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BRADESCO SAÚDE EARNED PREMIUMS R$ MM +12.5% 22,852 25,701 1H25 1H26 +11.5% 11,774 13,132 2Q25 2Q26 34,124 39,473 2022 2023 2024 42,830 47,790 50,639 2025 JUL 25 JUN 26
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BRADESCO SAÚDE NET INCOME +32.9% 1,546 2,056 1H25 1H26 529 648 2022 2023 2024 1,295 2,959 3,468 2025 JUL 25 JUN 26 2Q25 2Q26 673 923+37.1% R$ MM
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Resultados Agenda Bradesco Saúde Results
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Resultados Agenda Odontoprev Results
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DEC 22 DEC 23 DEC 24 JUN 25 DEC 25 MAR 26 JUN 26 1,029 5,889 1,400 6,108 8,318 1,551 959 6,359 1,609 957 6,333 1,710 938 6,525 1,823 916 6,663 1,847 895 6,750 1,894 890 8,618 8,924 8,981 9,5359,4059,264 +130 Thousand lives +553 Thousand lives IndividualSMECorporate ODONTOPREV BENEFICIARIES Thousand lives
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ODONTOPREV NET REVENUER$ MM +5.2% 1,962 2,143 2022 2023 2024 2,270 2,390 2,452 2025 JUL 25 JUN 26 1H25 1H26 1,192 1,255 +5.6% 2Q25 2Q26 602 635
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ODONTOPREV DLR % Revenue 40.2 39.6 2023 2024 38.4 38.9 38.3 2022 2025 JUL 25 JUN 26 36.7 37.5 2Q25 2Q26 36.2 35.1 1H25 1H26 +0.8 p.p. -1.1 p.p.
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ODONTOPREV NET INCOMER$ MM -14.9% 452 537 2022 2023 2024 534 550 505 2025 JUL 25 JUN 26 1H25 1H26 313 266 2Q25 2Q26 146 116 -20.8%
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Resultados Agenda Odontoprev Results
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Resultados Agenda Atlântica Results
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2024 2025 2026 2027 2028 2029 2030 1,898 2,223 2,903 3,041 4,1013,9213,368 TOTAL BED CAPACITY GROWTH 8 Hospitals Guarulhos Alphaville Macaé Campinas Gloria Maternidade Star Bauru Ribeirão preto Taubaté e Sorocaba Vila Mariana Zona norte São Conrado
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-30,211 -46,441 -24,187 26,411 103,796 DEC 22 DEC 23 DEC 24 DEC 25 JUN 26 ANNUAL NET INCOME R$ thousand QUARTERLY NET INCOME R$ thousand -20,964 15,419 18,345 13,611 8,308 63,533 2Q25 3Q25 4Q25 1Q261Q25 2Q26 ATLÂNTICA HOSPITAIS +312%
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+312% 2Q25 2Q26 ATLÂNTICA HOSPITAIS CONTRIBUTION TO BRADSAÚDE NET INCOME R$ 64 MN 6% R$ 16 MN 2%
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HIGHLIGHTS BRADSAÚDE 2Q26 1.0 p.p. (83.3% vs. 84.3%) LTM MLR improvement YoY +24.8% YoY (R$1.1 BI vs. R$0.9 BI) NET INCOME +312% YoY (R$64 MM vs. R$15 MM) ATLÂNTICA HOSPITAIS NET INCOME BENEFICIARIES Reaching 13.6 MM beneficiaries +99K Net Additions - Health +130K Net Additions - Dental (R$13.9 BI vs. R$12.5 BI) +10.8% YoY REVENUE +4.0 p.p. YoY (25.8% vs. 21.7%) LTM ROAE