Banco Bradesco SA (BBD) Q4 2022 Earnings Call Transcript

Banco Bradesco SA (NYSE:BBD) Q4 2022 Earnings Conference Call February 10, 2023 11:30 AM ET

Company Participants

Carlos Firetti – Business Controller & Market Relations Director

Conference Call Participants

Tito Labarta – Goldman Sachs

Mario Pierry – Bank of America

Gilberto Garcia – Barclays

Pedro Leduc – Itau BBA


Good afternoon, ladies and gentlemen and thank you for waiting. We would like to welcome everyone to Bradesco’s Fourth Quarter 2022 Earnings Conference Call. This call is being broadcast simultaneously through the Internet in the Investor Relations website, In that address, you can also find the presentation available for download. [Operator Instructions]

Before proceeding, let me mention that forward-looking statements are based on the beliefs and assumptions of Banco Bradesco’s management and on information currently available to the company. They involve risks, uncertainties and assumptions because they relate to future events and therefore, depend on circumstances that may or may not occur in the future. Investors should understand that general economic conditions industry conditions and other operating factors could also affect the future results of Banco Bradesco and could cause results to differ materially from those expressed in such forward-looking statements.

Now I will turn the conference over to Mr. Eduardo Botero [ph], IR Head. Please go ahead.

Unidentified Company Representative

Hello, everyone. Thanks for joining our call for the fourth quarter 2022. We have here in the room Octavio de Lazari Jr., our CEO; Cassiano Scarpelli, Executive Vice President and CFO; Moacir Nachbar Jr., Executive Vice President in charge of Risk; Oswaldo Fernandes, Executive Director; Carlos Firetti, IRO; and Ivan Contijo, Bradesco Insurance Group CEO.

I move the floor now to Firetti.

Carlos Firetti

Thank you. Hello, good afternoon, everyone. Thank you for joining our conference call for the fourth quarter ’22 results. We posted a net profit of BRL20.7 billion in 2022. BRL23.7 billion

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