Banco Bradesco Sa American Depositary Shares

Good day, everyone. I'm Marcelo Noronha, CEO of Bradesco.

I am here to present the earnings of the third quarter of 2024.

I'm speaking at Cidade de Deus. It's a little over 10.30, 10.31. It's a pleasure to be with you again. Thank you for joining us. and we'll speak about the balance sheet of the third quarter, and then I'll sit with my colleagues to answer some of the questions from our colleagues of the sell side. I'll start with the earnings of Q3 24, which we received. We had a recurring net income of 5.2 billion barrels, growing almost the second quarter of 24. In the past quarter, as a reminder, we grew more than 12% quarter on quarter. So we have been delivering what we committed to do. We don't promise things, we deliver things. And we are growing step by step, consistently. And here we have a snapshot of everything we are going to present to you. Today, during this video conference call, our profitability is growing. It's a solid and safe profitability growth. Our NII evolves driven by client NII and reduction of loan loss provision expense.