Earnings release
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EARNINGS RELEASE 2Q26
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Atlântica Hospitais delivered strong performance, with net income of R$64 million in 2Q26, representing 312% year-over-year growth. Its contribution to consolidated net income increased from 2% to 6%, reinforcing its role as an important growth driver for the Company. EXECUTIVE SUMMARY BRADSAÚDE 2Q26 & 1H26 REVENUE GROWS 11% AND 10% IN THE FIRST HALF, REACHING R$27.3 BI Net additions totaled 229 thousand lives in 2Q26, including 99 thousand medical lives and 130 thousand dental lives, bringing Bradsaúde’s total benefi- ciary base to 13.6 million lives. During the first half of the year, Bradsaúde added 423 thousand beneficiaries. For the first time, the strategic SME seg- ment surpassed 3 million beneficiaries, with double-digit year-over-year growth in both the Health and Dental portfolios. The SME segment added 78 thousand lives during the quarter (31 thousand in Health and 47 thousand in Dental) and 288 thou- sands lives over the last twelve months (104 thousand in Health and 184 thousand in Dental). Total revenue increased 11% in 2Q26, reaching R$13.9 billion, and 10% in 1H26, totaling R$27.3 billion. Consolidated MLR reached 83.8% in 2Q26 (+1.7 p.p.) and remained stable at 81.0% in 1H26. Net income increased 25% in 2Q26, reaching R$1.1 billion, and grew 28% in 1H26, totaling R$2.4 billion. Stable first-half MLR and the performance of financial results reinforce the consisten- cy of the business, supported by financial assets totaling approximately R$30 billion in 2Q26 (+8.7% vs. 2Q25). HEAL TH PLANS DELIVER NET ADDITIONS OF 99K LIVES, TOTALING 4.1 MM LIVES NET INCOME INCREASES 25% TO R$1.1 BI AND 28% IN 1H26, TOTALING R$2.4 BI DENTAL PLANS DELIVER NET ADDITIONS OF 130K LIVES, TOTALING 9.5 MM LIVES CONSOLIDATED MLR REACHES 83.8% AND REMAIN STABLE AT 81% IN 1H26 2Q26 EARNINGS RELEASE 02
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+24.8% YoY Net Additions - Health NET INCOME BENEFICIARIES +4.0 p.p. YoY L TM ROAE L TM MLR (25.8% vs. 21.7%) +99K Net Additions - Dental +130K REVENUE improvement YoY 1.0 p.p. YoY (83.3% vs. 84.3%) +10.8% YoY (R$13.9 BI vs. R$12.5 BI) (R$1.1 BI vs. R$0.9 BI) Reaching 13.6 MM beneficiaries +312% YoY (R$64 MM vs R$15 MM) ATLÂNTICA HOSPITAIS NET INCOME BRADSAÚDE 2Q26 HIGHLIGHTS 2Q26 EARNINGS RELEASE 03
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SUMÁRIO BRADSAÚDE SELECTED METRICS BRADESCO SAÚDE HEAL THCARE MARKET IN BRAZIL BRADESCO SAÚDE SELECTED METRICS ODONTOPREV DENTAL MARKET IN BRAZIL ONDONTOPREV SELECTED METRICS ATLÂNTICA ATLÂNTICA HOSPITAIS E PARTICIPAÇÕES RECENT EVENTS SELECTED METRICS MEU DOUTOR NOVAMED CROMA ONCOLOGY DIAGNOSTICS & HEAL THTECHS ESG SUSTAINABILITY RECOGNITIONS NEW CORPORATE STRUCTURE SHAREHOLDER DISTRIBUTIONS CAPITAL MARKETS SELECTED METRICS UPCOMING INVESTOR RELATIONS EVENTS EARNINGS WEBCAST APPENDICES TABLE OF CONTENTS 05 07 13 14 19 21 24 25 27 28 31 32 37 38 41 42 46 43 47 49 50 52 53 54 57 55 56 2Q26 EARNINGS RELEASE 04
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THE MOST COMPREHENSIVE HEAL THCARE ECOSYSTEM IN BRAZIL Bradsaúde operates the most comprehen- sive healthcare ecosystem in Brazil, brin- ging together leading companies and ben- chmark players across their respective seg- ments to provide an integrated healthcare journey. The ecosystem combines knowled- ge, scale, innovation, technology and finan- cial strength to transform the healthcare experience. With operations spanning multiple seg- ments of the healthcare value chain, the ecosystem includes a health insurance (Bradesco Saúde), a dental plans (Odon- toprev), hospitals (Atlântica), primary care clinics (Meu Doutor Novamed), healthte- chs companies (Orizon and Kortex), a stra- tegic investment in diagnostics (24.85% stake in Fleury) and oncology services (Croma). With approximately 14 million beneficia- ries, more than 4 thousand hospital beds, and a broad healthcare network across Brazil, Bradsaúde combines scale, capillarity and quality through an open and non-verticalized model, promoting greater freedom of choice, efficiency and access to high-quality healthcare services. We are driven by innovation, excellence and a commitment to the sustainability of both the business and the private healthcare system. For us, healthcare is more than a service: it is an integrated set of solutions designed to care for people throughout every stage of life, with responsibility, a long-term vision and focus on what truly matters. 2Q26 EARNINGS RELEASE 05
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2008 2009 2020 2015 2022 2021 2023 2024 2026 1984 BRADSAÚDE TIMELINE 2Q26 EARNINGS RELEASE 06
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SELECTED METRICS BRADSAÚDE HEAL TH & DENTAL Operating indicators Beneficiaries ( thousand) Healthcare Plans Corporate SME Individual ASO¹ Net Adds Dental Plans Corporate SME Individual Net Adds Average Ticket ex-ASO (R$/life/month) Average Ticket Dental (R$/life/month) Consolidated MLR % ¹Includes Bradesco Saúde, Mediservice, and Bradesco Saúde Operadora de Planos. HOSPITALS Operating indicators Number of Hospitals² Number of beds³ Number of operational beds Number of Novamed clinics ²Announced hospitals and operating hospitals. ³Total capacity: Operational Beds and Contracted Beds. 2Q26 13,610 4,075 2,029 1,116 99 831 99 9,535 6,750 1,894 890 130 1,135 22.5 83.8 2Q26 21 4,101 2,199 40 2Q25 12,755 3,774 1,853 1,012 102 807 3 8,981 6,333 1,710 938 81 1,114 1.9% 22.7 82.2 2Q25 16 3,075 1,717 34 1H26 13,610 4,075 2,029 1,116 99 831 152 9,535 6,750 1,894 890 271 1,130 22.5 81.4 81.5 (0,1 p.p.) 1H26 21 4,101 2,199 40 • • 6.7% 8.0% 9.5% 10.3% (3.3)% 3.0% - 6.2% 6.6% 10.8% (5.1)% 61.5% • • (0.9)% 1,7 p.p. • • 31.3% 33.4% 28.1% 21.2% • • 6.7% 8.0% 9.5% 10.3% (3.3)% 3.0% - 6.2% 6.6% 10.8% (5.1)% 376.2% • • 1.8% - 31.3% 33.4% 28.1% 21.2% • • 1H25 12,755 3,774 1,012 102 807 (9) 8,981 6,333 1,710 938 57 1,111 22.6 1H25 16 3,075 1,717 Operating hospitals 34 1,853 % % % % 15 12 25.0% 15 12 25.0% For historical comparability purposes, the results presented in this Report are reported under IFRS 4/CPC 11 (“BRGAAP”) and reflect Bradsaúde’s current corporate structure for periods prior to May 1, 2026, the date on which such structure became effective, as described in Note 1.2. In 2Q26, Bradsaúde’s net income of R$1,110 MM includes R$342 MM related to the results of Bradesco Gestão de Saúde recognized in April and presented in accordance with Bradsaúde’s current corporate structure, as reconciled in Appendix III. The corporate reorganization that resulted in the creation of Bradsaúde generated a capital increase of R$14,053 MM and retained earnings reserves of R$2,522 MM, totaling R$16,575 MM, as presented in Note 1.2.1. 2Q26 EARNINGS RELEASE 07
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Summary Table (R$ MM) Revenue¹ (a) + (b) Revenues from medical plans and dental plans (a) Change with Health Technical Provisions Earned premiums Incurred claims/Retained claims Selling expenses Financial income Income from operations Service revenues related to operations ² (b) Other operating expenses Tax expenses³ Administrative expenses Operating Income Non-operating and equity income Icome tax, social contribution and profit sharing Net income Financial assets 2Q26 13,871 13,744 20 13,764 (11,540) (579) 930 2,575 126 (433) (169) (586) 1,513 110 (513) 1,110 29,553 25.8 2Q25 12,514 12,396 (24) 12,373 (10,165) (501) 724 2,431 118 (531) (164) (560) 1,293 76 (480) 889 21.7 27,180 1H26 27,262 27,023 (68) 26,955 (21,955) (1,121) 1,805 5,684 240 (842) (295) (1,153) 3,634 126 (1,343) 2,418 29,553 ROAE 12M • • 10.8% 10.9% - 11.2% 13.5% 15.7% 28.5% 5.9% 7.4% (18.4)% 3.1% 4.6% 17.0% 45.2% 7.0% 24.8% 4.0 p.p. 8.7% • • 9.8 9.8 (88.3)% 12.1% 12.1% 14.2% 18.2% 13.6% 11.0% (0.9)% (4.2)% 7.0% 21.8% 59.5% 15.0% 27.6% 8.7% 1H25 24,832 24,616 (576) 24,040 (19,583) (982) 1,527 5,002 216 (850) (308) (1,077) 2.983 79 (1,168) 1,895 27,180 2Q26 2Q25 p.p. p.p.1H26 1H25 MLR 83.8 82.2 81.4 81.5 Selling expenses 4.2 4.0 4.2 4.1 Financial margin 6.8 5.9 6.7 6.4 Operating margin before expenses 18.7 19.6 21.1 20.8 Service revenues related to operations 0.9 1.0 0.9 0.9 Other operating expenses 3.1 4.3 3.1 3.5 Tax expenses 1.2 1.3 1.1 1.3 Administrative expenses 4.3 4.5 4.3 4.5 Operating margin 11.0 10.5 13.5 12.4 Non-operating and equity income 0.8 0.6 0.5 0.3 Income tax, social contribution and profit sharing 3.7 3.9 5.0 4.9 Net margin 8.1 7.2 9.0 7.9 Key Ratios (%) ¹Includes revenue from medical and dental plans and revenue from services related to those operations. ²Includes revenue from Novamed and Orizon services, and revenue from goods and services (Odontoprev). ³Includes PIS/Cofins, federal and municipal taxes on revenue. ⁴Includes Atlântica Hospitais e Participações (Atlântica D'Or, Grupo Santa, Atlântica Imobiliária, and Croma Oncologia) and a stake in Grupo Fleury. % % (1.7 p.p.) (0.2 p.p.) 0.9 p.p. (0.9 p.p.) 1.1 p.p. 0.1 p.p. 0.3 p.p. 0.5 p.p. 0.2 p.p. 0.1 p.p. 0.9 p.p. 0.1 p.p. (0.1 p.p.) 0.3 p.p. 0.3 p.p. - 0.4 p.p. 0.2 p.p. 0.2 p.p. 1.1 p.p. 0.1 p.p. (0.1 p.p.) 1.1 p.p. SELECTED METRICS BRADSAÚDE Bradsaúde’s net margin reached 8.1% in 2Q26 and 9.0% in 1H26, expanding by 0.9 p.p. in the quarter and 1.1 p.p. in the first half. Performance was primarily driven by the expansion of the financial margin (+0.9 p.p. in the quarter and +0.3 p.p. in the first half) and improved efficiency in other operating expenses (+1.1 p.p. and +0.4 p.p., respectively). During the quarter, these effects offset the increase in MLR, while, in the first half of the year, MLR remained stable compared to the same period of the previous year. Operating margin reached 11.0% in 2Q26, increasing by 0.5 p.p. in the quarter and 1.1 p.p. in 1H26, also reflecting lower tax and administrative expenses. 2Q26 EARNINGS RELEASE 08
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+13.6MM Beneficiaries across Brazil TOTAL BENEFICIARIES Thousand lives +855 +229 MAR25 12,672 8,901 3,771 JUN25 12,755 8,981 3,774 SEP25 12,982 9,132 3,850 DEC25 13,187 9,264 3,923 MAR26 13,381 9,405 3,976 JUN26 13,610 9,535 4,075 DEC22 242 DEC23 -184 DEC24 -74 DEC25 141 MAR26 205 JUN26 301 L TM HEAL TH PLAN NET ADDITIONS Thousand lives L TM DENTAL PLAN NET ADDITIONS Thousand lives DEC22 334 306 DEC24 300 DEC23 339 DEC25 504 MAR26 553 JUN26 SELECTED METRICS BRADSAÚDE Bradsaúde reached 13.6 MM beneficiaries at the end of June 2026, comprising 4.1 MM health plan beneficiaries and 9.5 MM dental plan beneficiaries. Net additions totaled 229k lives in 2Q26, including 99k in Health and 130k in Dental. Over the last twelve months, net additions totaled 855k lives, including 301k Health beneficiaries and 553k Dental beneficiaries. For the first time, the strategic SME segment surpassed 3 MM beneficiaries, with L TM net additions of 104k beneficiaries in Health and 184k beneficiaries in Dental. 2Q26 EARNINGS RELEASE 09
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+10.8% Growth in 2Q26 BRADSAÚDE TOTAL REVENUE¹ 13,871 2Q26 12,514 2Q25 51,256 2025 24,832 1H25 27,262 1H26 52,330 APR25 MAR26 53,687 JUL25 JUN26 +9.8% +10.8% ¹Includes medical and dental plans Revenue and Service Revenue Related to Operations. R$ MM CONSOLIDATED MEDICAL LOSS RATIO (MLR) % of Earned Premiums 92.1 88.5 84.3 83.4 83.3 81.5 81.4 82.2 83.8 -0.1 p.p -1.0 p.p +1.7 p.p 2023 JUL242024 2025 JUL25 JUN26JUN25 1H25 1H26 2Q25 2Q26 SELECTED METRICS BRADSAÚDE L TM MLR improved 1.1 p.p. compared to the same period of the previous year and remained stable when compared to the first half of the year. 2Q26 EARNINGS RELEASE 10
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R$ MM FINANCIAL ASSETS 27,084 28,403 28,291 28,739 27,180 29,553 1Q25 3Q25 4Q25 1Q26 2Q262Q25 +8.7% FINANCIAL INCOME R$ MM 3,053 2025 1,527 1H25 1,805 1H26 3,331 JUL25 JUN26 3,125 APR25 MAR26 +18.2% 724 2Q25 930 2Q26 +28.5% SELECTED METRICS BRADSAÚDE The Company’s capital structure supports growth, portfolio diversification and long-term earnings generation. 2Q26 EARNINGS RELEASE 11
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MAR26 JUN26 2Q25 2Q26 NET INCOME R$ MM 2025 1H25 1H26APR25 JUL25 JUN26MAR26 +27.6% +24.8% 3,657 3,959 4,180 1,895 2,418 889 1,110 NET INCOME BREAKDOWN 2Q25 2Q26 +24.8% R$889 MM R$1,110 MM 6% 2% 76% 1% 6% 10% 16% 83% Diagnostics and Healthtechs Bradsaúde maintained its growth trajectory, primarily driven by the performance of Bradesco Saúde, financial results, administrative expense dilution and the continued expansion of Atlântica Hospitais. R$ 4,2 BI LTM Net income SELECTED METRICS BRADSAÚDE 2Q26 EARNINGS RELEASE 12
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PRIVATE 57.7% PUBLIC 42.3% R$ 1,157 BI HEAL THCARE MARKET IN BRAZIL The Brazilian healthcare market consists of two main segments: the public healthcare system and the supplementary healthca- re system. The public healthcare system provides universal and free coverage throu- gh Brazil’s Unified Health System (SUS), as established by the Federal Constitution. At the same time, a portion of the popula- tion chooses to purchase private health insurance plans to supplement access to healthcare services. This demand is driven by the search for higher quality, convenience, predictability and faster access to specialist consulta- tions, diagnostic exams and elective proce- dures. In addition, the supplementary heal- thcare system operates with higher levels of resources per beneficiary, reflected in indicators such as greater availability of physicians, hospital beds and healthcare infrastructure. Private sources accounted for 58% of total healthcare expenditures in Brazil in 2025, equivalent to R$667.9 billion, while the supplementary healthcare system covered approximately 25% of the Brazilian population. This scenario highlights the relevance of the private sector both in heal- thcare financing and service provision in the country. The growth of supplementary healthcare in Brazil is strongly correlated with formal employment and income levels. Corporate health plans represent the largest segment of the market and are widely offered by employers as a benefit to employees and their dependents. According to data from the National Supplementary Health Agency (ANS), approximately 73% of healthcare bene- ficiaries were enrolled in employer-s- ponsored medical plans as of March 2026. As a result, a significant portion of the population has access to private healthcare services with costs partially or fully subsidi- zed by employers, reducing the financial barrier to entry into the supplementary healthcare system. 73% OF BENEFICIARIES ARE ENROLLED IN CORPORATE HEAL TH PLANS IN BRAZIL: HEAL THCARE EXPENDITURE IN BRAZIL (ANAHP , 2025) 2Q26 EARNINGS RELEASE 14
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37,2 44,9 50,5 47,1 50,1 52,9 53,1 2006 2010 2014 2018 2022 2025 MAI26 20.4% 23.5% 24.9% 22.7% 23.8% 24.8% 24.9% +2.5MMlives HEAL THCARE PLANS AND POPULATION PENETRATION % of penetration in brazilian population In this regard, the growth of the supplementary healthcare market has historically been supported by a combination of factors, including income growth, broader access to health insurance plans and increasing demand for convenience, predictability and quality of care. Conversely, periods of economic slowdown tend to limit the expansion of the beneficiary base or lead to a reduction in private healthcare coverage. This structural relationship between the labor market and the supplementary healthcare market represents an important growth driver for the sector and helps explain the evolution of the beneficiary base throughout Brazil’s economic cycles. The remaining enrollment moda- lities are individual/family plans and collective affinity plans, which accounted for 16% and 11% of total beneficiaries, respectively. As of May 2026, according to data from the National Supplementary Health Agency (ANS), 53.1 million people had access to supplementary healthcare, representing coverage of 24.9% of the Brazilian popu- lation, compared to 37.2 million beneficia- ries and 20.4% population coverage in 2006. Much of this expansion was driven by corporate health plans, which delivered the strongest growth over the period, reflec- ting the strong correlation between formal employment growth and the expansion of supplementary healthcare coverage in Brazil. 2Q26 EARNINGS RELEASE 15
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Although supplementary healthcare is available throughout Brazil, its penetration remains concentrated in major urban cen- ters and the country’s most economically developed regions. As of April 2026, the Southeast and South regions reported healthcare coverage rates of approximately 37% and 31% of the population, respectively, supported by higher income levels, greater formal employment and the presence of large employers. In contrast, the North and Nor- theast regions reported coverage rates of approximately 14% and 16%, highlighting the development potential of the supple- mentary healthcare market in these regions. This regional disparity underscores the strong relationship between economic development, labor market formalization and access to supplementary healthcare, while also highlighting the sector’s expan- sion potential in still underpenetrated markets beyond Brazil’s major urban centers. In Brazil’s supplementary health- care market, the southeast and south regions report healthcare coverage rates of 37% and 31% of the population, respectively. 2Q26 EARNINGS RELEASE 16
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in Brazil. As the elderly population tends to make greater use of medical consultations, diagnostic exams, specialized procedures and hospital services, the aging of the Brazilian population is expected to remain a structural driver of private healthcare demand over the coming decades. Medical inflation is one of the main structu- ral characteristics of the supplementary healthcare sector and has historically grown above overall inflation. Measured by the Medical-Hospital Cost Variation Index (VCMH), medical inflation reached 8.7% in 2025, according to the Institute for Supplementary Health Studies (IESS), com- pared with 5.6% inflation as measured by the IPCA over the same period. Unlike traditional inflation indices, medical inflation is driven not only by price increa- ses, but also by higher utilization of health- care services, the continuous incorporation of new technologies, medicines and treat- ments, population aging, and the growing The evolution of Brazil’s demographic profile also represents an important long- -term trend for the supplementary health- care sector. Although Brazil still has a relati- vely young population, demographic projections indicate a continued aging process over the coming decades, with a significant increase in the share of the population aged over 60 — a demographic group that typically requires greater utiliza- tion of healthcare services. Currently, approximately 15% of the Bra- zilian population is over 60 years old and, according to projections from the Brazilian Institute of Geography and Statis- tics (IBGE), this percentage is expected to reach approximately 32% by 2060. This trend is already reflected in the composi- tion of the supplementary healthcare beneficiary base. Data from the National Supplementary Health Agency (ANS) indicate a growing participation of older age groups, in line with the demographic transition observed 2Q26 EARNINGS RELEASE 17
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prevalence of chronic diseases. As a result, healthcare costs tend to increase consis- tently above general inflation, requiring strong cost management discipline and periodic premium adjustments across health plans. The Brazilian supplementary healthcare market has undergone a gradual consolida- tion process over the last several decades. According to data from the National Supplementary Health Agency (ANS), the number of healthcare operators declined by approximately 20% over the last ten years, from 1,095 operators in 2016 to 889 operators as of May 2026. This trend is directly related to increasing regulatory complexity, the significant investments required in technology, health- care management and regulatory com- pliance, as well as the ongoing pressure resulting from medical inflation and rising healthcare costs. In this environment, smal- ler operators often face greater challenges in diluting costs, negotiating with healthca- re providers and absorbing the investments required to sustain long-term competitive- ness. As a result, scale, financial strength, brand recognition and management capabilities have become increasingly important com- petitive advantages. Leading operators tend to be better positioned to capture economies of scale, absorb investments required to ensure business sustainability and respond more efficiently to the sector’s structural challenges, including medical inflation, population aging and increasing regulatory complexity. We believe Bradesco Saúde is well positioned to capture oppor- tunities arising from the ongoing consolidation of the healthcare market, supported by its scale, brand recognition, financial stren- gth and leading position across the Corporate and SME segments. 2Q26 EARNINGS RELEASE 18
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BRADESCO SAÚDE Bradesco Saúde, the largest health insu- rer in Brazil by revenue,, is one of the most recognized and admired brands in Brazil’s supplementary healthcare market. Founded in 1984, the company has built a leading position over more than four deca- des, supported by its continuous commit- ment to excellence, innovation, service quality and close relationships with its more than 4 million beneficiaries, with the mission of expanding access to health- care services. With a diversified portfolio that includes both nationwide and regional coverage solutions, an extensive accredited pro- vider network with more than 37 thou- sand healthcare providers, and health- care services focused on prevention and health promotion, Bradesco Saúde offers comprehensive healthcare solu- tions for companies of all sizes and profi- les, ranging from large corporations to small and medium-sized enterprises (SMEs). These solutions help employers provide employees and their families with the confidence of having access to high- -quality healthcare services. 2Q26 EARNINGS RELEASE 19
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Mediservice Health Plan Operator speciali- zes in the administration of corporate health plans under an Administrative Ser- vices Only (ASO) model, through which companies retain healthcare risk while Mediservice provides healthcare mana- gement, network access and administra- tive services. The company offers intelli- gent, flexible and customized solutions, as well as specialized support for employers seeking self-managed healthcare arran- gements. Focused on operational excellence, innova- tion and personalized service aimed at deli- vering the best experience for both compa- nies and beneficiaries, Mediservice is also recognized for its network-sharing model, through which it provides access to its network of more than 20 thousand accre- dited healthcare providers to self-mana- ged healthcare groups and companies that directly administer employee health plans. This solution has become an efficient alter- native for ensuring high-quality care, expanding access to premium supplemen- tary healthcare services across the country, while also contributing to cost optimization and efficiency gains for contracting compa- nies. As a result of the Business Combination carried out by the Bradesco Organization in 2026, the dental portfolio of Odontoprev S.A. was transferred to Mediservice Health Plan Operator S.A., further streng- thening its healthcare solutions portfolio. MEDISERVICE HEAL TH PLAN OPERATOR 2Q26 EARNINGS RELEASE 20
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2Q26 2Q25 1H26 1H25Summary Table (R$ million) Net written premiums 13,112 11,797 11.1% 25,769 23,427 10.0% Change in health technical provisions 20 (24) - (68) (576) (88.3)% Earned premiums 13,132 11,774 11.5% 25,701 22,852 12.5% Retained claims (11,321) (9,972) 13.5% (21,547) (19,208) 12.2% Selling expenses (505) (430) 17.3% (979) (853) 14.8% Financial income 894 702 27.3% 1,731 1,473 17.5% Operating result 2,200 2,074 6.1% 4,906 4,264 15.1% Service revenues related to operations 14 20 (30.2)% 27 38 (28.1)% Other operating expenses (401) (503) (20.2)% (799) (814) (1.9)% Tax expenses² (67) (115) (42.1)% (140) (208) (32.7)% Administrative expenses (400) (387) 3.3% (759) (734) 3.4% Operating income 1,347 1,089 23.6% 3,235 2,545 27.1% Non-operating and equity income - - - - 32 - Income tax, social contribution and profit sharing (423) (416) 1.8% (1,179) (1,031) 14.4% Net Income 923 673 37.1% 2,056 1,546 32.9% ¹Selected metrics from Bradesco Saúde include only data from health plans. ² Includes PIS/Cofins, federal and municipal taxes on revenue. % % % % Operating Indicators 2Q26 2Q25 1H26 1H25 Healthcare Plans (thousand) 4,075 3,774 8.0% 4,075 3.774 8,0% Corporate 2,029 1,853 9.5% 2,029 1.853 9,5% SME 1,116 1,012 10.3% 1,116 1.012 10,3% Individual 99 102 (3.3)% 99 102 (3,3)% ASO 831 807 3.0% 831 807 3,0% Net Adds 99 3 - 152 (9) - Average Ticket ex-ASO (R$/life/month) 1,135 1,114 1.9% 1,130 1.111 1,8% SELECTED METRICS¹ BRADESCO SAÚDE 2Q26 EARNINGS RELEASE 21
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L TM HEAL TH PLAN NET ADDITIONS Thousand lives DEC22 242 DEC23 -184 DEC24 -74 DEC25 141 JUN26 301 HEAL TH PLAN BENEFICIARIES Thousand lives DEC22 4,040 1,947 1,095 885 114 3,857 DEC23 108 843 1,042 1,863 3,783 DEC24 104 837 1,017 1,825 3,923 DEC25 100 784 1,065 1,9753,774 102 807 1.012 1.853 3,976 MAR26 99 807 1,085 1,985 4,075 JUN26 99 831 1,116 2,029 Corporate SME ASO Individual +301 +99 JUN25 102 807 1,012 1,853 MAR26 205 BENEFICIARIES BRADESCO SAÚDE The health insurance operation recorded net additions of 301 thousand lives over the last twelve months, including 176 thousand in the Corporate segment, 104 thousand in the SME segment and 24 thousand in ASO. Bradesco Saúde achieved a record of 301 thousand net additions over the twelve months ended June 2026. 2Q26 EARNINGS RELEASE 22
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EARNED PREMIUMS R$ MM +12.5% +11,5% 2022 34,124 42,830 2024 39,473 2023 50,639 JUL25 JUN26 22,852 1H25 25,701 1H26 11,774 2Q25 13,132 2Q26 47,790 2025 +32.9% +37.1% NET INCOME R$ MM 2022 529 1,295 2024 648 2023 3,468 JUL25 JUN26 1,546 1H25 2,056 1H26 673 2Q25 923 2Q26 2,959 2025 +37.1% R$ 923 MM Net Income Bradesco Saúde reaching INSURANCE OPERATING RESUL T R$ MM +15.1% +6.1% 2,979 2023 2,312 667 2.979 4,652 2024 2,479 2,173 7,830 2025 2,834 4,997 8,472 JUL25 JUN26 3,091 5,381 1H25 4,264 1,473 2,791 1H26 4,906 1,731 3,175 2,074 2Q25 702 1,372 2,200 2Q26 894 1,306 2,480 2,338 142 2022 Financial Results Operating Income SELECTED METRICS BRADESCO SAÚDE 2Q26 EARNINGS RELEASE 23
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% Brazilian Population 2006 7,3 4,0% 2010 14,5 7,6% 2014 20,1 9,9% 2018 24,0 11,6% 2022 30,0 14,2% 35,6 2025 16,7% 36,2 MAI26 17,0% +16,1MM Lives DENTAL PLANS AND POPULATION PENETRATION Like the supplementary healthcare market, the Brazilian dental market is subject to the regula- tion and oversight of the National Supplementary Health Agency (ANS). Although dental care is also available through Brazil’s public healthcare system, the availability and scope of services remain limited, particularly for more complex and elective procedures. DENTAL MARKET IN BRAZIL 2Q26 EARNINGS RELEASE 25
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The Brazilian dental market has followed a growth trajectory similar to that of the supplementary healthcare sector. However, it was only in the late 1980s that dental plans became established as an attractive corpo- rate benefit for large employers, driven by the expansion of service offerings, improve- ments in quality of care and the increasing professionalization of the sector. Over the past decades, the Brazilian dental market has evolved significantly and is now one of the largest in the world in terms of beneficiaries. According to data from the National Supplementary Health Agency, the stand-alone dental plan market grew from 7.3 million beneficiaries in 2006 to approximately 36.2 million beneficiaries in May 2026, representing 17% of the Brazi- lian population. Driven primarily by Corporate and SME plans, the segment combines significant growth potential with a business model based on prevention, access and recurring care. Incre- ased awareness of the importance of oral health, combined with growth in formal employment and the demand for benefits with high perceived value and relatively low cost for employers, continues to support the expansion of dental coverage in Brazil. The predominance of preventive and lower- -complexity procedures, together with lower exposure to high-cost drugs and advanced medical technologies, contributes to a more predictable cost profile and historically lower healthcare inflation compared to the medical insurance segment. The dental plan segment has distinct economic characteristics compared to the medical insurance segment, inclu- ding historically lower healthcare infla- tion, lower capital intensity and greater cost predictability. 2Q26 EARNINGS RELEASE 26
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ODONTOPREV HAS BEEN BRAZIL'S LEADING DENTAL PLAN PROVIDER SINCE 1998, WITH MORE THAN 9MM BENEFICIARIES Odontoprev is responsible for providing oral healthcare services to more than 9 million beneficiaries. The Company’s specialized dental network includes approximately 27 thousand accredited dentists across Brazil, ensuring nationwide coverage, quali- ty of care and convenient access for benefi- ciaries. Recognized for its consistent cash genera- tion, strong profitability and solid corporate governance track record, the Company remains focused on sustainable growth, innovation, quality of care and value creation for shareholders, beneficiaries, accredited dentists and other stakeholders. 2Q26 EARNINGS RELEASE 27
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ODONTOPREV NET REVENUE HAS GROWN AT A 14% CAGR SINCE ITS 2006 IPO Strategic Partnership IPO 1,592 1,156 382182 2006 2009 2014 2018 2022 2025 JUL25 JUN26 1,962 2,390 2,452 R$ MM SELECTED METRICS¹ ODONTOPREV (R$ thousand, except if specified) Cost of services (ex-IBNR) Net operating revenues Net financial income Net income Net margin (%) 2Q26 635,329 238,024 26,398 115,740 18.2 ¹Management Data Operating Indicators 2Q26 Dental Plans (thousand) 9,535 Corporate 6,750 SME 1,894 Individual 890 Net Adds 130 Average Ticket Dental (R$/life/month) 22.53 DLR % 37.5 2Q25 601,846 220,835 19,726 146,196 24.3 2Q25 8,981 6,333 1,710 938 81 22.74 36.7 5.6% 7.8% 33.8% (20.8)% (6.1 p.p.) % % 6.2% 6.6% 10.8% (5.1)% 61.5% (0.9)% 0.8 p.p. 1H26 1,254,800 440,422 48,964 266,312 21.2 1H26 9,535 6,750 1,894 890 271 22.51 35.1 1H25 1,192,312 432,099 45,649 312,828 26.2 1H25 8,981 6,333 1,710 938 57 22.55 36.2 5.2% - 7.3% (14.9)% (5.0 p.p.) % % 6,2% 6,6% 10,8% (5,1)% 376,2% - (1.1 p.p.) 2Q26 EARNINGS RELEASE 28
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LEADER in dental plans since 1998 DENTAL PLAN BENEFICIARIES Thousand lives 8,318 DEC22 5,889 1,400 1,029 8,618 DEC23 959 1,551 6,108 8,924 DEC24 957 1,609 6,359 8,981 JUN25 938 1,710 6,333 9,264 DEC25 916 1,823 6,525 9,405 MAR26 895 1,847 6,663 9,535 JUN26 890 1,894 6,750 Corporate SME Individual +553 +130 Bradesco Dental, the fastest-growing brand in recent years, currently accounts for 52% of Odontoprev’s consolidated portfolio. A key highlight is the SME segment, where Bradesco Dental accounts for 82% of total beneficiaries. L TM DENTAL PLAN NET ADDITIONS Thousand lives DEC22 334 306 DEC24 300 DEC23 339 DEC25 504 MAR26 553 JUN26 Odontoprev recorded net additions of 130 thousand beneficiaries in 2Q26, including 87 thou- sand in the Corporate segment and 47 thousand in the SME segment. In 1H26, net additions totaled 271 thousand beneficiaries, while L TM net additions reached 553 thousand benefi- ciaries. 2Q26 EARNINGS RELEASE 29
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NET REVENUE R$ MM +5.2% +5.6% 2022 1,962 2,270 2024 2,143 2023 2,390 2025 2,452 JUL25 JUN26 1,192 1H25 1,255 1H26 602 2Q25 635 2Q26 DENTAL LOSS RATIO (DLR) % Revenue -1.1 p.p. +0.8 p.p. 2022 40.2 38.4 2024 39.6 2023 38.9 2025 38.3 JUL25 JUN26 36.2 1H25 36.7 2Q25 37.5 2Q26 35.1 1H26 NET PROFIT R$ MM 2022 452 534 2024 537 2023 550 2025 505 JUL25 JUN26 -14.9% -20.8%313 1H25 146 2Q25 116 2Q26 266 1H26 SELECTED METRICS ODONTOPREV 2Q26 EARNINGS RELEASE 30
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Mil1,898 2,223 2,903 3, 041 3,368 3,921 4,101 202620252024 20282027 2029 2030 Guarulhos Alphaville Macaé Maternidade Star Bauru São Conrado Taubaté e Sorocaba Ribeirão Preto Campinas 8 hospitals Glória, Vila Mariana e Zona Norte TOTAL BED CAPACITY GROWTH ATLÂNTICA HOSPITAIS E PARTICIPAÇÕES Founded in 2021, Atlântica Hospitais e Participações is Bradsaúde’s hospital investment platform, dedicated to investing in hospitals and healthcare assets, as well as the provision of healthcare services, contributing to the expansion of access to high-quality hospital care in regions with demand for these services. Atlântica’s business model was structured to invest in the develop- ment, operation and expansion of hospitals, while healthcare opera- tions are generally conducted through long-term operating agree- ments with strategic partners, including Rede D’Or, Hospital Israe- lita Albert Einstein, Mater Dei and Grupo Santa. These agreements are predominantly structured as equity joint ventures, providing greater stability to partnerships and aligning interests among the parties involved. Atlântica’s portfolio currently comprises 21 hospitals, both opera- ting and under development, totaling more than 4 thousand con- tracted beds. 2Q26 EARNINGS RELEASE 32
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Atlântica D’Or was established in May 2024 through a partnership between Rede D’Or (50.01%) and Atlântica Hospitais e Partici- pações (49.99%). This strategic partnership was designed to support the growth and development of Brazil’s private healthcare sector through a shared ownership structure and joint operating model. The network initially included three general hospitals: São Luiz Guarulhos (SP), São Luiz Alphaville (SP) and Macaé D’Or (RJ). In March 2025, Hospital São Luiz Campinas joined the network. During 1Q26, Glória D’Or (RJ) and Maternidade Star (SP) were also incorporated into the partnership. ATLÂNTICA D’OR PARTNERSHIP The expansion of Atlântica D’Or continues to advance, with ongoing projects for the development of São Luiz Ribeirão Preto (SP) and São Luiz Taubaté (SP), further expanding the network’s footprint. Atlântica D’Or's facilities are designed as modern healthcare campuses, featuring diagnostic areas, inpatient facilities, surgical centers and helipads, providing patients with safety, comfort and state-of-the-art technology. In addition, the partnership plans to inaugu- rate two new hospitals by 2030, located in São Conrado (RJ) and Sorocaba (SP), adding a combined 346 beds to its portfo- lio. Hospital and Maternity São Luiz Guarulhos – São Paulo 2Q26 EARNINGS RELEASEt 33
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GRUPO SANTA PARTNERSHIP The strategic partnership with Grupo Santa was established in October 2024 through the acquisition of a 20% ownership stake in the company. Founded in 1963, Grupo Santa is the largest hospital network in Brazil’s Central-West region, supported by a highly regarded medical staff, high-quality infrastructure and scalable technology that combine excellence in patient care, operational efficiency and sustainable growth. Through this partnership, Bradsaúde expands its presence in the hospital segment, enhancing the provision of integrated, high-quality healthcare services supported by innovation, technology and patient-centered care. Santa Lúcia Bauru Hospital – São Paulo 2Q26 EARNINGS RELEASEt 34
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ALBERT EINSTEIN PARTNERSHIP In March 2023, Atlântica Hospitais entered into a strategic partnership agreement with Hospital Israelita Albert Einstein (“Einstein”), an institution nationally and internationally recognized for its excellence in medical care, technological innovation and commitment to high-complexity healthcare. With a long-standing track record of excellence, Einstein continuously invests in research, education and sustainability initiatives to deliver high-quality healthcare services. Through this partnership, Atlântica Hospitais seeks to expand healthcare infrastructure in Brazil through hospital investments and to increase the reach of private healthcare assets. For Eins- tein, the transaction strengthens its activities as a non-profit institution by enabling the organi- zation to share its expertise in healthcare excellence, broadening access to high-quality health- care services. The partnership contemplates the future formation of a joint venture named Atlântica Vila Mariana and the execution of a shareholders’ agreement between Atlântica and Einstein, under which Atlântica will hold a 51% ownership stake once the hospital becomes operatio- nal. The facility will be managed by Einstein. Future Facilities of Atlântica Vila Mariana Hospital - São Paulo 2Q26 EARNINGS RELEASE 35
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Also in São Paulo, Atlântica entered into a partnership with Rede Mater Dei in December 2023. Recognized as one of Brazil’s most traditional hospital groups, Mater Dei is renowned for its excellence in medical care and patient-centered approach. Leveraging more than four decades of hospital operating experientce, Mater Dei will be responsible for the medical and administrative management of the new hospital, offering a comprehensive range of medical specialties. The partnership is focused on the development of a hospital with approximately 251 beds in the Santana district of São Paulo. As part of the transaction, a joint venture named Atlântica Zona Norte will be established and a shareholders’ agreement will be executed between Atlântica and Rede Mater Dei, under which Atlântica will hold a 51% ownership stake once operations commence. The hospital will be managed by Rede Mater Dei. The project is currently under development, with operations expected to commence in 2029. MATER DEI PARTNERSHIP Future Facilities of Mater Dei Zona Norte Hospital – São Paulo 2Q26 EARNINGS RELEASEt 36
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RECENT EVENTS BAURU HOSPITAL INAUGURATION AND NEW ATLÂNTICA D’OR HOSPITAL IN RIO DE JANEIRO On May 26, Atlântica D’Or announced the development of a new hospital in São Conrado, Rio de Janeiro. As in the network’s existing hospitals, medical opera- tions will be managed by Rede D’Or. This initiative reinforces Atlântica D’Or’s expansion strategy in the city of Rio de Janeiro, particularly in areas with higher income levels and strong demand for private healthcare services. On June 30, Atlântica Hospitais, in part- nership with Grupo Santa, inaugurated Hospital Santa Lúcia Bauru in the state of São Paulo. 2Q26 EARNINGS RELEASE 37
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4,101 Total beds 2,100 Beds 1,448 Beds 251 Beds 302 Beds 302 251 1,443 657 826 192 72 170 188 SELECTED METRICS ATLÂNTICA HOSPITAIS 2Q26 EARNINGS RELEASE 38
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Committed R$5.1 BI Deployed R$2.8 BI TOTAL 4,101 Dec 23 4Q29 251 251 Atlantica e Mater Dei Zona Norte SP Santa Lúcia Gama Grupo Santa Oct24 Oct 24 1,448 199 Santa Lúcia Sul Oct 24 402 Santa Lúcia Norte Oct 24 201 Santa Lúcia Taguatinga Oct 24 24 Hospital Ortopédico Oct 24 25 Hospital Santa Rosa Oct 24 163 Ânima Centro Hospitalar Oct 24 192 Hospital do Coração Oct24 72 Hospital Bauru Jun 26 170 DF DF DF DF MT MT GO MS SP May 24 2,100Atlântica D’or Campinas Glória Apr 25 Feb 26 Mar 26 2Q27 1Q28 2Q28 3Q30 Maternidade Star Ribeirão Preto Taubaté Sorocaba São Conrado 180 Guarulhos Nov 24 268 Alphaville Nov 24 212 Macaé Nov 24 140 325 337 173 138 161 166 RJ SP SP RJ SP RJ SP SP SP SP Atlântica e Einstein Mar 23 4Q29 302 302SPVila Mariana HOSPITALS OPENINGS DATE PARTNERSHIP DATE STATE BEDS SELECTED METRICS ATLÂNTICA HOSPITAIS 2Q26 EARNINGS RELEASE 39
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ANNUAL AND QUARTERL Y NET INCOME R$ thousand 26,411 -30,211 -46,441 -24,187 103,796 -20,964 15,419 18,345 13,611 8,308 63,533 1Q25 3Q252Q25 4Q25 1Q26 2Q262022 20242023 2025 JUL25 JUN26 312% ¹Announced hospitals. ²Total capacity: Operational Beds + Contracted Beds. ¹Includes PIS/Cofins, federal and municipal taxes on revenue. Summary Table (R$ thousand) 2Q26 2Q25 1H26 1H25 Non-operating and equity income 64,839 22,114 193.2% 76,324 6,534 1,068.1% Administrative expenses (1,451) (4,306) (66.3)% (6,350) (8,413) (24.5)% Financial revenue 781 2,498 (68.7)% 6,691 5,762 16.1% Financial expenses (3,917) (8,285) (52.7)% (9,517) (15,529) (38.7)% Financial income (3,136) (5,786) (45.8)% (2,826) (9,767) (71.1)% Tax expenses¹ (36) (116) (68.7)% (311) (268) 16.1% Income tax, social contribution and profit sharing 3,317 3,514 (5.6)% 5,003 6,369 (21.4)% Net Income 63,533 15,419 312.0% 71,841 (5,545) - % % Atlântica hospitals Hospitals Operating Indicators Number of Hospitals¹ Number of Beds² Number of operational beds Number of Novamed clinics 2Q26 21 4,101 2,199 40 2Q25 16 3,075 1,717 34 1H26 21 4,101 2,199 40 31.3% 33.4% 28.1% 21.2% % 31.3% 33.4% 28.1% 21.2% %1H25 16 3,075 1,717 34 Atlântica L TM Net Income Reached R$104 million vs. R$26 million in 2025 SELECTED METRICS ATLÂNTICA HOSPITAIS 2Q26 EARNINGS RELEASE 40
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330mil beneficiários atendimentos de 1 milhão+ ! MEU DOUTOR NOVAMED PRIMARY CARE CLINIC NETWORK The Meu Doutor Novamed clinic network operates in the primary care segment, provi- ding comprehensive and continuous care focused on disease prevention and health promotion through multidisciplinary medi- cal teams. With 40 clinics, including open to the public and In-Company units, Meu Doutor Novamed operates through an integrated care model, ensuring that patients remain at the center of the healthcare journey. Directly controlled by Atlântica Hospitais and indirectly by the Company, the Meu Doutor Novamed network recorded more than 1.2 million patient visits in 2025, serving approximately 330 thousand patients through a multidisciplinary team covering a broad range of medical special- ties. Patient satisfaction, measured by NPS, reached 90%, reflecting the network’s commitment to quality of care and a patien- t-centered experience. One of the network's key initiatives is the Meu Cuidado Program, which promotes healthy habits and disease prevention through personalized guidance, ensuring continuous care and individualized attention. During 2025, seven In-Company clinics were launched to serve organizations operating under self-managed healthcare models. The network reached a total of 40 clinics, inclu- ding 18 In-Company units (14 in São Paulo, one in Rio de Janeiro, one in Bahia and two in Paraná), totaling more than 126 thousand patient visits. Meu Doutor Novamed clinics serve benefi- ciaries from Bradesco SaúdeT , Mediservice, self-managed healthcare groups, partner companies and private-pay patients, offe- ring scheduled consultations, walk-in care, minor procedures, telemedicine services and diagnostics. Patients served in 2025 40 clinics 7in states 330K NPS 90% 2Q26 EARNINGS RELEASE 41
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Croma is a joint venture formed by Atlânti- ca Hospitais, Fleury S.A. and Real e Bene- mérita Associação Portuguesa de Benefi- cência (BP – A Beneficência Portuguesa de São Paulo), structured as a platform speciali- zed in integrated oncology services. Throu- gh Atlântica, the Company holds a 33.33% ownership stake in Croma, which currently operates four units across the states of São Paulo and Rio de Janeiro. Croma adopts a comprehensive care model for oncology patients, supported by a highly qualified medical team and designed to provide a fully integrated patient journey encompassing proactive screening, diag- nosis, treatment, follow-up and recovery. The model aligns economic incentives with quality of care, care coordination and improved clinical outcomes, fostering a more efficient and patient-centered onco- logy experience. 2Q26 EARNINGS RELEASE 42
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DIAGNOSTICS AND HEAL THTECHS
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2025 Orizon operates as a healthcare transaction processing platform, connecting health plan opera- tors and service providers across Brazil to support better decision-making, reduce inefficiencies and avoid unnecessary risks for patients and beneficiaries, while fostering collaboration and the dissemination of best practices Its services also include claims processing, predictive analytics and artificial intelligence solu- tions applied to healthcare cost management. 2Q26 EARNINGS RELEASE 44
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In 2009, Bradesco Seguros acquired a 20% stake in Grupo Fleury, establishing a long-term strategic partnership that brought together one of Brazil’s largest diagnostic medicine networks and the country’s leading insurance group in a critical segment of the healthcare, supporting early disease detection and more personalized treatment pathways. In 2021, the Company expanded its presence in the segment through its subsidiary Bradesco Diagnósticos, increasing its ownership stake in Grupo Fleury to 24.85%. In diagnostic medicine, Fleury S.A. operates approximately 570 diagnostic units and 33 units within its healthcare services platform, a segment that includes medication infusion centers, ophthalmology, orthopedics, day clinics and reproductive medicine services. The Company also holds an investment in Kortex Ventures, a venture capital fund established in partnership with Grupo Fleury and Grupo Sabin, focused on healthcare technology startups (healthtechs). The fund invests in companies developing solutions such as remote diagnostics, occupational health and financial management platforms for healthcare professionals, with the objective of accelerating innovative businesses that can make meaningful contributions to the development of Brazil’s healthcare sector. 2Q26 EARNINGS RELEASE 45
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ESG
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As the most complete healthcare ecosystem in Brazil, Bradsaúde begins its journey with a strong commitment to the ESG agenda, building an integrated platform capable of further advancing sus- tainability across the healthcare sector. Bradsaúde enters B3’s Novo Mercado as a constituent of the Corporate Sustainabili- ty Index (ISE B3), which comprises compa- nies recognized for their commitment to corporate sustainability best practices. The Company was also recognized as a Pro-Ethics Company, an initiative led by Brazil’s Office of the Comptroller General (CGU) that recognizes organizations com- mitted to preventing, detecting and reme- diating acts related to corruption, fraud, social and environmental violations, and human rights abuses. During this transition period, Bradsaúde remains integrated with the corporate sustainability initiatives led by Grupo Bradesco Seguros and Odontoprev. Accor- dingly, the information presented herein includes shared initiatives, programs and practices in which the Company participa- tes. Reinforcing its commitment to transparen- cy, Grupo Bradesco Seguros publishes its Integrated Sustainability Report annu- ally, while Odontoprev publishes its Sustai- nability Report. Both reports follow inter- SUSTAINABILITY nationally recognized reporting and disclo- sure frameworks, including GRI, SASB and TCFD. Additional information is available through their respective institutional chan- nels. SUSTAINABILITY AT GRUPO BRADESCO SEGUROS Sustainability is a strategic pillar of Grupo Bradesco Seguros, guiding value creation for both the business and society. In 2012, the Group became one of the first Brazilian insurers to join the Principles for Sustainable Insurance (PSI), an initiative of the UNEP Finance Initiative (UNEP FI), reinforcing its commitment to incorpora- ting environmental, social and governance considerations into its strategy and opera- tions. This commitment is supported by a dedica- ted governance structure, including the Sustainability Committee, which is respon- sible for proposing strategies, monitoring initiatives and promoting the integration of best practices across business activities and corporate management. The commit- tee includes executives from the Group’s companies, as well as leaders from the Sustainability and Risk Management func- tions, reporting directly to the Executive Committee. Risk management complements these efforts by incorporating environmental, social and climate-related factors into risk identification, assessment, mitigation and 2Q26 EARNINGS RELEASEt 47
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monitoring processes. Against a backdrop of increasingly frequent extreme climate events, Grupo Bradesco Seguros seeks to strengthen the resilience of its businesses and enhance its ability to respond to short, medium and long-term challenges. These initiatives are guided by the Group’s Sustainability Policy, which seeks to ensure the long-term sustainability of its operations through the responsible mana- gement of risks and opportunities, ensu- ring that social, environmental and clima- te-related considerations are incorporated into business decisions and stakeholder engagement. To support this approach, the strategy is structured around four pillars: Climate Change and the Environment, Sustaina- ble Business, People Engagement and Financial Education. From an environmental perspective, the Group develops initiatives focused on ope- rational eco-efficiency. In conjunction with the Bradesco Organization, it offsets 100% of greenhouse gas emissions reported under Scopes 1, 2 and 3, main- tains the Gold Seal of the Brazilian GHG Protocol Program, and utilizes electricity sourced from renewable energy. The Group’s admitnistrative buildings located on Paulista Avenue in São Paulo and at Port Corporate in Rio de Janeiro have obtained LEED certification. As part of its strategy to strengthen sustai- nable business initiatives, the Group has developed the Sustainable Business Jour- ney, an initiative designed to further inte- grate sustainability across the Group’s companies, including Bradesco Saúde and Novamed. Among the initiatives carried out was the Sustainable Business Workshop, whose second edition contributed to defi- ning aspirations and strategic priorities for the continued development of sustainable businesses. The Group also promotes awareness and engagement initiatives related to environ- mental and social issues. In June, it conduc- ted its Environment Month Campaign, reaching more than 5,000 employees through educational programs focused on environmental topics. During the same period, the Group participated in Earth Hour for the first time, mobilizing facilities across different regions of the country in a symbolic awareness initiative. On the social front, the Group has maintai- ned the Empresa-Escola Integration Pro- ject (PIEE) for the past 21 years, benefiting an average of 900 children and adoles- cents annually in Rio de Janeiro. The initiative promotes participant develop- ment through cultural and sports activities, contributing to social inclusion and citizenship education. As part of its Financial Education pillar, Grupo Bradesco Seguros participates annually in Brazil’s National Financial Edu- cation Week (ENEF Week). During the most recent edition, held in May, the Group promoted educational content, lectures and awareness initiatives aimed at streng- thening financial and insurance literacy, contributing to more informed decision- -making and broader dissemination of financial knowledge. SUSTAINABILITY AT ODONTOPREV In the CDP Climate Change assessment, Odontoprev maintained its B- rating, reflecting consistent emissions monitoring practices and transparency in climate risk management. On the social front, more than 19 tons of food were collected and donated to partner organizations. In addition, throu- gh private social investments and environ- mental and social initiatives, the Company generated a direct positive impact on the lives of more than 187,000 people, supporting 42 social organizations. The Company also provided approximately 15,000 dental plans to individuals in socially vulnerable situations, reinfor- cing its commitment to expanding access to oral healthcare and generating positive social impact. 2Q26 EARNINGS RELEASEt 48
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Bradesco Saúde received the highest overall rating among health plan opera- tors with more than 1 million beneficia- ries in the Beneficiary Satisfaction Survey, with 80.7% of customers rating their plans as good or very good. RECOGNITIONS Throughout 2026, Bradsaúde further strengthened its position in the Brazilian supplementary healthcare market throu- gh important recognitions granted by cus- tomers, consumers and specialized insti- tutions. These awards reflect the strength of the Company’s brands, the quality of its services and its ongoing commitment to delivering an outstanding beneficiary experience. In the O Melhor de São Paulo 2026 awards, organized by Folha de S.Paulo and Datafolha, Bradesco Saúde was recognized as Best Health Insurance Provider and was also ranked among the leading brands in the Dental Plan cate- gory, highlighting its relevance and strong consumer preference in the state of São Paulo. Excellence in customer relationships was also recognized at the 2026 Consumidor Moderno Excellence in Customer Servi- ce Awards, where Grupo Bradesco Segu- ros was named the winner in the Insu- rance and Health Plans category, rein- forcing its strategy focused on customer experience, innovation and operational efficiency. The Company was also recognized in the 13th Great Place to Work (GPTW) Heal- thcare Ranking 2026, among the best companies to work for in the healthcare sector, reflecting its commitment to people development, employee well- -being and fostering an outstanding workplace environment. In sustainability, the Company maintained its position as a constituent of the Corpo- rate Sustainability Index (ISE B3), one of Brazil’s leading benchmarks for environ- mental, social and governance practices. Bradesco Saúde received the highest ove- rall rating among health plan operators with more than 1 million beneficiaries in the Beneficiary Satisfaction Survey. Conducted by Datafolha, the survey recor- ded an overall approval rating of 80.7%, with beneficiaries rating the plan as good or very good. These results position the Group’s compa- nies among the leading players in the sector and reinforce their ongoing commit- ment to service excellence, beneficiary satisfaction and long-term value creation. This consistent performance, combined with the numerous awards and recogni- tions received throughout the year, underscores the Group’s strength and its ability to deliver increasingly innovative, sustainable and patient-centered health- care solutions. 2Q26 EARNINGS RELEASEt 49
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SHAREHOLDING STRUCTURE 91.35%¹ 100% 100% 100% 100% 100% 100% 100%51%²51%²20%49,9% 33.3% 23%24,9% Vila Mariana ¹¹Excludes 732,100 treasury shares from the calculation of the ownership stake; ²Joint ventures to be formed between Atlântica Hospitais and Mater Dei and Einstein for the construction of the Zona Norte and Vila Mariana hospitals, respectively. Operations are scheduled to begin in 2030, at which point the joint ventures will become a joint venture controlled by the Company, which will hold a 51% stake. NEW CORPORATE STRUCTURE On April 6, the Extraordinary Shareholders’ Meeting of Odontoprev S.A. approved the resolutions related to the business combination involving Odontoprev and Bradesco Gestão de Saúde S.A. (“BGS”), including the incorporation of BGS shares by Odontoprev and the transfer of the dental plan portfolio, together with other operating assets and liabilities, to Mediservice Health Plan Operator S.A. (“Mediservice”). Effective May 5 (inclusive), the shares of Bradsaúde S.A. began trading on B3 S.A. – Brasil, Bolsa, Balcão under the ticker symbol“SAUD3” and the trading name“BRADSAUDE.” 2Q26 EARNINGS RELEASEt 50
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On December 18, 2025, as part of an internal corporate reorganization within the Bradesco economic group, Bradesco Gestão de Saúde S.A. received, through a partial spin-off of Bradesco Saúde S.A., all common shares issued by Odontoprev, corresponding to 292,213,236 registered, book-entry common shares with no par value, representing 53.54% of the Company's total and voting share capital. On January 6, 2026, Bradseg Participações S.A. received, through a par- tial spin-off of Bradesco Gestão de Saúde S.A., all common shares issued by Odontoprev, corresponding to 292,213,236 registered, book-entry common shares with no par value, representing 53.54% of the Com- pany's total and voting share capital. On February 27, 2026, a Material Fact was disclosed detailing the steps of the transaction and business combination involving Bradesco Gestão de Seguros and Odontoprev. On March 31, 2026, Banco Bradesco S.A. received, through a partial spin- -off of Bradseg Participações S.A., all common shares issued by Odonto- prev, corresponding to 292,213,236 registered, book-entry common shares with no par value, representing 53.54% of the Company's total and voting share capital. On April 30, 2026, Banco Bradesco S.A. (“Banco Bradesco”) received 2,378,374,445 common shares issued by the Company, in exchange for all common shares issued by BGS and held by Banco Bradesco immediately prior to the implementation of the Share Incorporation. The official launch of Bradsaúde took place on May 1, 2026, with accou- nting records being maintained under the new structure as of that date. On May 20, 2026, the Company received authorization to maintain its minimum free float requirement until October 30, 2027, by which date it must comply with a free float of 15% (if it meets the liquidity require- ment) or 20% (if it does not). During this period, any increase in free float above 8.609% may not be reversed until the applicable minimum free float threshold has been achieved. DEC/25 JAN/26 FEB/26 MAR/26 APR/26 MAY /26 MAY /26 All Material Facts and Notices to the Market are available on our CVM Filings Page. CORPORATE REORGANIZATION HISTORY 2Q26 EARNINGS RELEASEt 51
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SHAREHOLDERS REMUNERATION Under our Dividend Policy, at least 50% of adjusted net income, as determi- ned in accordance with the Brazilian Corporations Law and the Company’s Bylaws, will be tdistributed to sharehol- ders in the form of dividends and/or interest on equity (IOE). The annual declaration of dividends, including distributions exceeding the mandatory dividend, is subject to approval at the Annual Shareholders’ Meeting by a majority vote of sharehol- ders and will depend on several factors. These factors include operating perfor- mance, financial condition, cash requi- On June 30, the Company approved interest on equity (IOE) in the amount of R$230 million, to be paid on Novem- ber 30. rements, future prospects and other considerations deemed relevant by the Board of Directors and shareholders. In accordance with the rules of B3’s Novo Mercado, the Company’s share capital is represented exclusively by common shares. 2Q26 EARNINGS RELEASEt 52
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28.4% 6.8% IBOV 30-dec -10,0% 0,0% 10,0% 20,0% 30,0% 40,0% 50,0% 27-feb 5-may 30-jun SAUD3 SHARE PRICE PERFORMANCE VS. IBOV IN 2026 Odontoprev Bradsaúde Material Fact February 27 SAUD3 IBOV QUARTERL Y LIQUIDITY EVOLUTION SINCE 1Q25 1Q25 11 3,853 24 2Q25 5,450 21 4,675 3Q25 24 5,192 4Q25 54 7,476 1Q26 70 10,128 2Q26 Number of business transactions per dayADTV (R$ MM) CAPITAL MARKETS During the first half of 2026, SAUD3 appreciated 28.4%, compared to 6.8% for the Ibovespa Index (IBOV). As of the end of 2Q26, total shareholder return for Bradsaúde since the Material Fact disclosed on February 27 reached 11.9%. In 2Q26, average daily trading volume increased nearly threefold compared to 2Q25, rising from R$24 million to R$70 million. During the same period, the average number of daily trades reached 10,128, compared to 5,450 in 2Q25. Source: B3 | As of June 30, 2026 2Q26 EARNINGS RELEASEt 53
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Source: B3 | As of June 30, 2026 Total Number of Shareholders 43.3 Individual Shareholders 74,932 75,789 52,881 52,354 43.1 Institutional Investors 857 527 62.6 otal Share Capital (shares) 2,924,199,731 545,825,286 - Treasury Shares 732,100 732,100 - Market Capitalization (R$ billion) 42.0 6.4 - Closing Share Price (R$) 14.38 11.72 22.7 Free Float (shares) 251,741,551 251,735,971 - Free Float Market Value (R$ billion) 3.6 3.0 22.7 ADTV (Average Daily Trading Volume) (R$ thousand) 70,221 23,898 193.8 Average Daily Number of Trades 10,128 5,456 85.6 2Q26 2Q25 % Source: As of June 30, 2026. GLOBAL SHAREHOLDER BASE Free Float Free Float 251,741,551 shares Total Capital 2,924,199,731 shares 91.35% 8.65% Others 37.6% 6.4% 6.0% 3.2% 3.0% 1.7% 1.3% 0.6% 0.6% 0.6% 2.1% 36.9% June, 2026 SELECTED METRICS CAPITAL MARKETS At the end of 2Q26, market capitalization reached R$42 billion, based on a closing share price of R$14.38, representing an increase of 7.1% compared to 1Q26. The total number of shareholders reached 75.8 thousand, up 43% from 2Q25, including the addition of 330 institutional investors and approximately 22 thousand new individual sharehol- 2Q26 EARNINGS RELEASEt 54
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DATE EVENT Aug 04 Investor Presentation | SP Aug 04 2Q26 Analysts Video Conference Aug 10 Investor Presentation | SP UPCOMING INVESTOR RELATIONS EVENTS Bradsaúde’s Investor Relations activities, including conferences, web- casts, one-on-one meetings and public presentations, are always atten- ded by the Company’s Chief Executive Officer and/or Investor Relations Officer. Aug 11 NDR | Santiago Aug 17 Santander 27ª Annual Conference | SP Aug 18 CEO Conference Brazil | RJ Aug 20-21 NDR | RJ Aug 24 Consumer and Healthcare Check Up | SP Sep 8 Citi GEMS Conference 2026 | NY Sep 9 Global Emerging Markets Conference | NY Sep 15-16 29th Annual Latin America Conference | London Sep 30-1 Oct BTG CEO Conference | NY Oct 15 Healthcare Day | SP Nov 17-18 16th Annual CEO Forum | NY Nov 23-24 19th Annual LatAm Conference| London Dec 02 Brazil Opportunities Conference | SP Oct 8 Healthcare, Education & TMT 1:1 Conference | SP Sep 22 J. Safra Investment Conference 2026 | SP Nov 19 Jefferies Healthcare Conference | London Sep 28 NDR | JP Morgan | Chicago Sep 17 NDR | UBS Stockholm 2Q26 EARNINGS RELEASEt 55
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Investor Relations José Roberto Pacheco – IRO Rodrigo Manso – IR Superintendent Catarina Bruno – IR Supervisor Maria Eduarda Rodrigues – IR Analyst Visit our website: www.saud3.com.br Contact us: ri@saud3.com.br August 4, 2026 – Tuesday 11:00 a.m. (10:00 a.m. NY / 3:00 p.m. London) Webcast: Click here Portuguese with simultaneous translation EARNINGS CONFERENCE CALL Corporate Communications: imprensa@bradescoseguros.com.br 2Q26 EARNINGS RELEASEt 56
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APPENDICES 59 A 63 APPENDIX I - TABLE OF PERFORMANCE INDICATORS APPENDIX II - RECONCILIATION OF THE INCOME STATEMENTANEXO APPENDIX III – CONSOLIDATED BALANCE SHEET: ASSETS APPENDIX IV – CONSOLIDATED BALANCE SHEET: LIABILITIES APPENDIX V – CASH FLOW STATEMENT - INDIRECT METHOD APPENDIX VI – COMPARISON OF BRGAAP AND IFRS 58 59 60 63 61 62 2Q26 EARNINGS RELEASE 57
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Financial Assets Bradsaúde Financial investments R$ MM 27,084 27,180 28,403 28,291 28,739 29,553 ROAE Bradsaúde 12M Return On Average Equity % LTM 21.7 - - - 24.8 25.8 APPENDIX I - PERFORMANCE INDICATORS OPERATIONAL INDICATORS DESCRIPTION UNIT 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Beneficiários Health and dental plan contracts Thousand lives 12,672 12,755 12,982 13,187 13,381 13,610 Healthcare Plans Health Insurance Contracts Thousand lives 3,771 3,774 3,850 3,923 3,976 4,075 Corporate Corporate contracts covering more than 200 lives Thousand lives 1,849 1,853 1,905 1,975 1,985 2,029 SME Corporate Contract for up to 199 lives Thousand lives 1,011 1,012 1,034 1,065 1,085 1,116 Individual One contract per individual Thousand lives 103 102 101 100 99 99 ASO Managed corporate contract Thousand lives 808 807 810 784 807 831 Dental Plans Dental Insurance Plans Thousand lives 8,901 8,981 9,132 9,264 9,404 9,535 Corporate Corporate contracts (>200 lives) and Managed Contract Thousand lives 6,300 6,333 6,409 6,525 6,663 6,750 SME Corporate Contract for up to 199 lives Thousand lives 1,646 1,710 1,778 1,823 1,847 1,894 Individual One contract per individual Thousand lives 954 938 944 916 895 890 Consolidated MLR % Medical and Dental loss ratio % of Earned Premiums 80.7% 82.2% 84.0% 86.3% 79.0% 83.8% DLR % Dental loss ratio % Revenue 35.8% 36.7% 40.6% 42.6% 32.7% 37.5% Health average Ticket ex-ASO (R$/life/month) Gross health insurance premiums / Avg. monthly beneficiaries R$ 1,105 1,114 1,138 1,129 1,134 1,135 Dental average Ticket (R$/life/month) Dental claims paid / Avg. monthly beneficiaries R$ 22.5 22.7 22.4 21.9 22.5 22.5 Number of Hospitals Total number of hospitals announced Hospitals 15 16 18 19 20 21 Number of beds Total number of contracted beds Beds 2,750 3,075 3,582 3,755 3,921 4,101 Operating hospitals Hospitals in operation Hospitals 11 12 12 12 14 15 Number of operational beds Beds in operation Beds 1,491 1,717 1,819 1,828 1,991 2,199 Number of Novamed clinics Clinics in operation Clinics 33 34 35 40 40 40 BRADSAÚDE INCOME STATEMENT DESCRIPTION UNIT 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 Revenue (a) + (b) Revenues from medical plans and dental plans (a) R$ MM 12,219 12,396 12,923 13,239 13,278 13,744 Change in Technical Provisions from Healthcare Assistance R$ MM -552 -24 -5 -32 -88 20 Earned Premiums R$ MM 11,667 12,373 12,918 13,207 13,191 13,764 Retained Claims R$ MM -9,417 -10,165 -10,850 -11,394 -10,414 -11,540 Selling Expenses R$ MM -481 -501 -509 -578 -542 -579 Financial Income R$ MM 803 724 722 804 875 930 Income from Operations R$ MM 2,571 2,431 2,281 2,038 3,109 2,575 Service revenues related to operations (b) R$ MM 98 118 146 117 113 126 Operational Expenses R$ MM -319 -531 -275 -103 -409 -433 Tax Expenses R$ MM -143 -164 -120 -116 -126 -169 Administrative Expenses R$ MM -517 -560 -580 -627 -567 -586 Operating Income R$ MM 1,661 1,369 1,483 1,304 2,137 1,623 Equity and Non-Operating Income R$ MM 3 76 29 -19 16 110 Taxes and Contributions R$ MM -688 -480 -541 -469 -830 -513 Net income R$ MM 1,005 889 940 822 1,308 1,110 FINANCIAL INDICATORS 2Q26 EARNINGS RELEASE 58
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Income Statement (R$ million) Bradsaúde 1Q26 Bradesco Gestão de Saúde Ex Odontoprev 1Q26 Odontoprev 1Q26 Bradsaúde 2Q26 Bradesco Gestão de Saúde Ex Odontoprev April 2026 Odontoprev April 2026 and Bradsaúde May 2026 - June 2026 (a) (b) (a) - (b) (c) (d) (c) - (d) Revenues from medical plans and dental plans 13,278 12,657 621 13,744 4,332 9,413 Change with Health Technical Provisions (88) (88) 0 20 (2) 22 Earned premiums 13,191 12,569 621 13,764 4,329 9,435 Incurred claims/Retained claims (10,414) (10,226) (188) (11,540) (3,719) (7,821) Selling expenses (542) (474) (68) (579) (167) (412) Financial income 875 852 23 930 323 607 Income from operations 3,109 2,721 388 2,575 767 1,808 Service revenues related to operations 113 99 14 126 37 90 Other operating expenses (409) (399) (10) (433) (110) (323) Tax expenses (126) (91) (34) (169) (30) (139) Administrative expenses (567) (434) (133) (586) (148) (437) Operating Income 2,121 1,895 226 1,514 515 999 Non-operating and equity income 16 15 1 110 30 79 Icome tax, social contribution and profit sharing (830) (754) (76) (513) (203) (310) Net income 1,308 1,157 151 1,111 342 769 Income Statement (R$ million) Bradsaúde 1Q25 Bradesco Gestão de Saúde Ex Odontoprev 1Q25 Odontoprev 1Q25 Bradsaúde 2Q25 Bradesco Gestão de Saúde Ex Odontoprev April 2025 Odontoprev April 2025 and Bradsaúde May 2025 - June 2025 (a) (b) (a) - (b) (c) (d) (c) - (d) Revenues from medical plans and dental plans 12,219 11,630 590 12,396 11,797 599 Change with Health Technical Provisions (552) (552) 0 (24) (24) 0 Earned premiums 11,667 11,078 590 12,373 11,774 599 Incurred claims/Retained claims (9,417) (9,236) (181) (10,165) (9,972) (194) Selling expenses (481) (423) (58) (501) (430) (70) Financial income 803 777 26 724 704 20 Income from operations 2,571 2,195 376 2,431 2,076 354 Service revenues related to operations 98 85 14 118 105 13 Other operating expenses (319) (313) (7) (531) (517) (13) Tax expenses (143) (110) (34) (164) (132) (32) Administrative expenses (517) (415) (102) (560) (450) (111) Operating Income 1,690 1,443 247 1,293 1,083 211 Non-operating and equity income 3 3 1 76 74 2 Icome tax, social contribution and profit sharing (688) (607) (81) (480) (413) (66) Net income 1,005 839 167 889 743 146 APPENDIX II - RECONCILIATION OF THE INCOME STATEMENT 2Q26 EARNINGS RELEASE 59
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Assets (R$ million) 06/30/2026 12/31/2025 Total Assets 45,642 2,047 Current assets 18,568 537 Cash and cash equivalents 61 20 Interest earning bank deposits 13,130 273 Financial Assets Measured at Fair Value Through Profit or Loss 10,486 141 Financial Assets Measured at Fair Value Through Other Comprehensive Income 2,447 - Financial Assets Measured at Amortized Cost 197 132 Accounts receivable 4,193 147 Other accounts receivable 458 48 Inventory 4 0 Recoverable taxes 459 43 Current Taxes to Be Recovered 459 43 Tax and Social Security Credits 459 43 Prepaid expenses 37 11 Other Current Assets 683 43 Non -Current Assets 27,074 1,511 Long -Term Realizable Assets 19,394 515 Financial Assets Measured at Fair Value Through Other Comprehensive Income 4,142 - Financial Assets Measured at Amortized Cost 12,281 420 Deferred Taxes 1,579 - Deferred income tax and social contribution 1,579 - Prepaid expenses 1 0 Other non -current assets 1,392 95 Non -Current Assets Held for Sale - 7 Judicial and Tax Deposits 713 38 Tax and Social Security Credits (Taxes to Be Recovered) 46 37 Other Accounts Receivable 18 13 Investments 5,567 4 Equity Interests 5,488 4 Investments in Affiliates 5,467 - Interests in Jointly Controlled Entities 20 4 Other Investments 1 0 Investment Properties 80 - Property, plant and equipment 346 44 Fixed Assets in Operation 162 28 Right of Use in a Lease 183 17 Intangible assets 1,767 947 APPENDIX III – CONSOLIDATED BALANCE SHEET: ASSETS 2Q26 EARNINGS RELEASE 60
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Liabilities (R$ Million) 6/30/2026 31/12/2025 Total Liabilities 45,642 2,047 Current Liabilities 18,146 621 Social And Labor Obligations 219 72 Labor Obligations 219 72 Salaries, Vacation Pay, And Fees 219 72 Suppliers 1,852 80 Domestic Suppliers 1,852 80 Suppliers And Other Accounts Payable 1,484 46 Healthcare Services Debits 368 34 Tax Obligations 553 38 Federal Tax Obligations 478 34 Income Tax And Social Security Contributions Payable 193 3 Other Federal Tax Obligations 285 31 Municipal Tax Obligations 75 3 Other Obligations 319 129 Others 319 129 Dividends And Interest On Capital Payable 319 129 Provisions 15,202 303 Tax, Social Security, Labor, And Civil Provisions 4 4 Civil Provisions 4 4 Non -Current Liabilities 9,046 127 Other Obligations 323 50 Others 323 50 Taxes And Fees Due 0 0 Suppliers And Other Accounts Payable 323 50 Deferred Taxes - 23 Deferred Income Tax And Social Contributions - 23 Provisions 8,723 53 Tax, Social Security, Labor, And Civil Provisions 1,357 53 Tax Provisions 36 33 Social Security And Labor Provisions 6 3 Civil Provisions 1,314 17 Shareholder´S Equity 18,450 1,299 Shareholder'S Equity, Capital And Capital Reserves 14,904 851 Capital Reserves (36) (36) Premium/Discount On An Equity Transaction (36) (36) Earnings Reserve 3,006 482 Legal Reserve 155 155 Retained Earnings Reserve 2,522 - APPENDIX IV – CONSOLIDATED BALANCE SHEET: LIABILITIES 2Q26 EARNINGS RELEASE 61
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Cashflow Statement (R$ thousand) 1H26 1H25 Net cash from operating activities 207,110 150,709 Cash generated in operations 7,704,604 439,480 Net income for the period 917,811 312,642 Depreciation and amortization 71,585 30,815 Net inflation adjustments (7,599) 1,992 Provision for lawsuits 7,936 1,119 Disposal of non -current assets and other 1,917 2,278 Equity in net income of subsidiaries (93,906) (3,246) Provision for credit losses 57,348 16,533 Changes in technical claims reserves 7,023,835 (10,160) Income tax and social contribution 356,891 137,004 Present Value Adjustment (Leasing) 3,495 1,132 Changes in technical claims reserves 0 (563) Income from Financial Investments (634,709) (50,066) Changes in assets and liabilities (7,497,494) (288,771) Securities valued at fair value through profit or loss (20,308) (102,581) Receivables from operations with healthcare plans (clients) (158,884) (15,042) Other accounts receivable, recoverable taxes and prepaid expenses and other current assets (287,836) (30,768) Inventories (923) 50 Long -term assets (Non -current) (2,455) 389 Technical reserves for healthcare operations (18,533) (6,158) Liabilities of insurance and reinsurance contracts (6,707,144) 0 Tax obligations (taxes payable) 19,551 (1,492) Labor obligations, Suppliers, Advance from clients and Other accounts payable 239,264 (25,892) Non -current liabilities (6,737) (10,904) Income tax and social contribution paid (567,217) (111,362) Debits from health care operations 13,949 14,527 Other technical reserves 0 1,069 Interest and fines paid (221) (607) Net cash from investment activities (152,286) 130,369 Acquisition of Fixed assets (7,353) (1,405) Acquisition of Intangibles assets (63,854) (30,087) Cash Proceeds from the Merger of Bradesco Saúde Shares 106,204 0 Acquisition of Investment Properties (33,561) 0 Dividends received from Subsidiaries and jointly -controlled subsidiaries 57,581 3,475 Financial Assets Measured at Fair Value Through Other Comprehensive Income (612,916) 0 Redemptions of Financial Assets Measured at Fair Value Through Other Comprehensive Income 348,508 158,386 APPENDIX V – CASH FLOW STATEMENT INDIRECT METHOD 2Q26 EARNINGS RELEASE 62
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APPENDIX VI – COMPARISON OF BRGAAP AND IFRS Shareholder´S Equity Net income Attributable to the Controller 06/30/2026 12/31/2025 Quarter ended on Period ending on 30/06/2026 30/06/2025 30/06/2026 30/06/2025 BRGAAP 18,448,777 1,298,883 767,630 146,196 918,202 312,828 Impacts of CPC 50/IFRS 17 - Insurance Contracts 257,713 (17,070) (130,781) 1,632 (129,224) 4,724 IFRS 18,706,490 1,281,813 636,849 147,828 788,978 317,552 Bradsaúde’s (“Company”) net income reported in the financial results for the first half of 2026 was R$2,418 million, and R$1,110 million for the second quarter. These results reflect the Company’s operations for the entire half-year and quarter, corresponding to the results reported by the affiliates of Bradesco Gestão de Saúde S.A. prior to the corporate reorganization completed on April 30, 2026, the date of the creation of the Bradsaúde ecosystem (see Note 1.2). For purposes of applying the equity method by the Company, only the portion of earnings generated as of May 1, 2026, equivalent to two months’ results, is considered (R$918 million in the first half of 2026 and R$767 million in the second quarter). 2This involves the adoption of Standard CPC50/IFRS 17— Insurance Contracts, which took effect on January 1, 2023, and was not adopted by the Health Insurance Regulator (National Supplementary Health Agency— ANS). This standard introduces new approaches to the measurement of insurance contracts, differing from the approach previously applied under IFRS 4. ! 2Q26 EARNINGS RELEASE 63
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