XML 109 R84.htm IDEA: XBRL DOCUMENT
v3.25.1

OPERATING SEGMENTS (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2024
Operating Segments |
Schedule of operating segments |
Schedule of operating segments |  |  |  |  |  |  |  |  |  |  |
| On December 31, 2024 - R$ thousands |  |
Banking | Insurance, pension and capitalization bonds | Other Activities | Eliminations | Managerial Income Statement | Proportionately consolidated (1) | Consolidation adjustments (2) | Adjustments (3) | Consolidated in accordance with IFRS |  |
Revenue from financial intermediation | 169,745,125 | 37,327,260 | 318,644 | (408,624) | 206,982,405 | (1,550,303) | (2,959,039) | 10,746,673 | 213,219,736 |  |
Expenses from financial intermediation (4) | (98,810,413) | (30,050,169) | - | 412,038 | (128,448,544) | 607,296 | 5,490,039 | (21,927,944) | (144,279,153) |  |
Financial margin | 70,934,712 | 7,277,091 | 318,644 | 3,414 | 78,533,861 | (943,007) | 2,531,000 | (11,181,271) | 68,940,583 |  |
Expected credit loss associated with credit risk | (33,123,621) | - | - | - | (33,123,621) | - | - | 5,597,688 | (27,525,933) |  |
Gross income from financial intermediation | 37,811,091 | 7,277,091 | 318,644 | 3,414 | 45,410,240 | (943,007) | 2,531,000 | (5,583,583) | 41,414,650 |  |
Other income from insurance, pension plans and capitalization bonds | - | 11,520,350 | - | 27,238 | 11,547,588 | - | - | (1,788,424) | 9,759,164 |  |
Fee and commission income and income from banking fees | 36,213,830 | 1,923,437 | 81,549 | (68,529) | 38,150,287 | (6,170,251) | (2,325,142) | (1,318,407) | 28,336,487 |  |
Personnel expenses | (23,027,137) | (2,451,779) | (34,214) | - | (25,513,130) | 1,155,516 | - | 2,080,304 | (22,277,310) |  |
Other administrative expenses (5) | (21,498,490) | (2,119,793) | (37,087) | 393,183 | (23,262,187) | 1,073,032 | (276,322) | (488,585) | (22,954,062) |  |
Tax expenses | (6,313,204) | (1,391,406) | (18,380) | - | (7,722,990) | 848,030 | - | - | (6,874,960) |  |
Share of profit (loss) of associates and jointly controlled entities | 121,511 | 243,403 | 843 | - | 365,757 | 1,164,800 | - | 1,028 | 1,531,585 |  |
IR/CSI and Other income/expenses | (13,425,161) | (5,945,008) | (164,642) | (355,306) | (19,890,117) | 2,871,880 | 70,464 | 5,554,372 | (11,393,401) |  |
Net Income for the year ended on December 31, 2024 | 9,882,440 | 9,056,295 | 146,713 | - | 19,085,448 | - | - | (1,543,295) | 17,542,153 |  |
Total assets | 1,811,529,557 | 451,777,909 | 2,712,775 | (138,098,385) | 2,127,921,856 | (14,081,367) | (60,714,873) | 16,358,746 | 2,069,484,362 |  |
Investments in associates and joint ventures | 79,828,981 | 4,727,047 | 1,413 | (79,218,884) | 5,338,557 | 5,756,348 | - | (65,893) | 11,029,012 |  |
Total liabilities | 1,607,412,734 | 416,694,321 | 33,384 | (58,879,501) | 1,965,260,938 | (14,081,367) | (60,714,873) | 10,077,172 | 1,900,541,870 |  |
(1) |  | Refers to: adjustments to exclude the effects of consolidation, originating from proportionally consolidated companies (Grupo Cielo, Grupo EloPar, Crediare, etc.);
(2) |  | Consolidation adjustments originating from the “non-consolidation” of exclusive funds;
(3) |  | Adjustments due to the differences of the accounting standards used in the management reports and in the financial statements of the Company that were prepared in accordance with IFRS. The main adjustments refer to the expected loss for financial assets, business models, effective interest rates, business combinations and insurance contracts;
(4) |  | Includes, in the Consolidated Financial Statements, the balances referring to “Net gains / (losses) on financial assets and liabilities at fair value through profit or loss”, “Net gains / (losses) on financial assets at fair value through other comprehensive income” and “Net gains / (losses) from operations in foreign currency”; and
(5) |  | Includes, in the Consolidated Financial Statements, the balances referring to depreciation and amortization.
| On December 31, 2023 - R$ thousands |  |
Banking | Insurance, pension and capitalization bonds | Other Activities | Eliminations | Managerial Income Statement | Proportionately consolidated (1) | Consolidation adjustments (2) | Adjustments (3) | Consolidated in accordance with IFRS |  |
Revenue from financial intermediation | 164,122,043 | 39,941,507 | 481,208 | (670,653) | 203,874,105 | (2,864,178) | (4,249,260) | 27,697,126 | 224,457,793 |  |
Expenses from financial intermediation (4) | (97,495,630) | (32,892,243) | (18) | 685,410 | (129,702,481) | 552,467 | 6,914,030 | (34,140,071) | (156,376,055) |  |
Financial margin | 66,626,413 | 7,049,264 | 481,190 | 14,757 | 74,171,624 | (2,311,711) | 2,664,770 | (6,442,945) | 68,081,738 |  |
Expected credit loss associated with credit risk | (37,110,675) | - | - | - | (37,110,675) | - | - | 4,993,651 | (32,117,024) |  |
Gross income from financial intermediation | 29,515,738 | 7,049,264 | 481,190 | 14,757 | 37,060,949 | (2,311,711) | 2,664,770 | (1,449,294) | 35,964,714 |  |
Other income from insurance, pension plans and capitalization bonds | - | 9,800,620 | - | 32,469 | 9,833,089 | - | - | (3,788,649) | 6,044,440 |  |
Fee and commission income and income from banking fees | 34,269,254 | 1,164,685 | 4,899 | (33,100) | 35,405,738 | (5,340,755) | (1,879,319) | (1,228,901) | 26,956,763 |  |
Personnel expenses | (21,256,640) | (2,651,786) | (30,957) | - | (23,939,383) | 909,076 | - | 2,215,849 | (20,814,458) |  |
Other administrative expenses (5) | (20,866,134) | (2,065,805) | (15,531) | 423,907 | (22,523,563) | 996,835 | (618,004) | (166,772) | (22,311,504) |  |
Tax expenses | (6,582,213) | (1,436,686) | (22,734) | - | (8,041,633) | 697,784 | - | 0 | (7,343,849) |  |
Share of profit (loss) of associates and jointly controlled entities | 151,414 | 421,723 | - | - | 573,137 | 1,527,554 | - | 990 | 2,101,681 |  |
IR/CSI and Other income/expenses | (9,198,676) | (3,468,750) | (141,073) | (438,033) | (13,246,532) | 3,521,217 | (167,447) | 3,797,740 | (6,095,022) |  |
Net Income for the year ended on December 31, 2023 | 6,032,743 | 8,813,265 | 275,794 | - | 15,121,802 | - | - | (619,037) | 14,502,765 |  |
Total assets | 1,661,529,233 | 409,370,722 | 3,277,809 | (110,126,067) | 1,964,051,697 | (10,074,444) | (38,502,618) | 12,048,614 | 1,927,523,249 |  |
Investments in associates and joint ventures | 73,163,988 | 3,028,413 | 1,105 | (72,298,485) | 3,895,021 | 5,792,357 | - | (70,538) | 9,616,840 |  |
Total liabilities | 1,468,271,968 | 370,561,631 | 68,561 | (37,827,582) | 1,801,074,578 | (10,074,444) | (38,502,618) | 8,011,609 | 1,760,509,125 |  |
(1) |  | Refers to: consolidation adjustments, originating from proportionally consolidated companies (Grupo Cielo, Grupo EloPar, Crediare, etc.);
(2) |  | Consolidation adjustments originating from the “non-consolidation” of exclusive funds;
(3) |  | Adjustments due to differences in accounting standards used in management reports and in the financial statements of the Company that were prepared in IFRS. The main adjustments refer to the expected loss of financial assets, business models, effective interest rates, business combinations and insurance contracts;
(4) |  | Includes, in the Consolidated Financial Statements, the balances referring to “Net gains / (losses) on financial assets and liabilities at fair value through profit or loss”, “Net gains / (losses) on financial assets at fair value through other comprehensive income” and “Net gains / (losses) from operations in foreign currency”; and
(5) |  | Includes, in the Consolidated Financial Statements, the balances referring to depreciation and amortization.
| On December 31, 2022 - R$ thousands |  |
Banking | Insurance, pension and capitalization bonds | Other Activities | Eliminations | Managerial Income Statement | Proportionately consolidated (1) | Consolidation adjustments (2) | Adjustments (3) | Consolidated in accordance with IFRS |  |
Revenue from financial intermediation | 151,198,428 | 36,250,128 | 400,777 | (1,121,214) | 186,728,119 | (2,624,549) | (2,167,017) | 23,976,721 | 205,913,274 |  |
Expenses from financial intermediation (4) | (81,330,918) | (29,163,334) | (22) | 1,121,214 | (109,373,060) | 484,249 | 4,765,294 | (26,678,396) | (130,801,913) |  |
Financial margin | 69,867,510 | 7,086,794 | 400,755 | - | 77,355,059 | (2,140,300) | 2,598,277 | (2,701,675) | 75,111,361 |  |
Expected credit loss associated with credit risk | (31,525,873) | - | - | - | (31,525,873) | 43,142 | - | 7,715,896 | (23,766,835) |  |
Gross income from financial intermediation | 38,341,637 | 7,086,794 | 400,755 | - | 45,829,186 | (2,097,158) | 2,598,277 | 5,014,221 | 51,344,526 |  |
Other income from insurance, pension plans and capitalization bonds | - | 7,425,337 | - | 35,507 | 7,460,844 | - | - | (2,570,784) | 4,890,060 |  |
Fee and commission income and income from banking fees | 33,802,362 | 1,701,005 | 7,274 | (36,169) | 35,474,472 | (4,977,457) | (1,976,003) | (1,396,892) | 27,124,120 |  |
Personnel expenses | (20,321,773) | (2,377,250) | (4,284) | - | (22,703,307) | 763,928 | - | 2,050,327 | (19,889,052) |  |
Other administrative expenses (5) | (20,949,621) | (1,635,857) | (7,895) | 530,420 | (22,062,953) | 1,035,520 | (594,059) | (259,560) | (21,881,052) |  |
Tax expenses | (6,880,656) | (1,188,335) | (18,530) | - | (8,087,521) | 521,838 | - | - | (7,565,683) |  |
Share of profit (loss) of associates and jointly controlled entities | 107,424 | 125,038 | - | - | 232,462 | 1,170,081 | - | (46,617) | 1,355,926 |  |
IR/CSI and Other income/expenses | (10,144,532) | (4,621,808) | (114,913) | (529,758) | (15,411,011) | 3,583,248 | (28,215) | (2,066,097) | (13,922,075) |  |
Net Income for the year ended on December 31, 2022 | 13,954,841 | 6,514,924 | 262,407 | - | 20,732,172 | - | - | 724,598 | 21,456,770 |  |
Total assets | 1,571,006,747 | 371,322,607 | 3,871,114 | (115,953,851) | 1,830,246,617 | (10,617,211) | (40,304,939) | 12,964,325 | 1,792,288,792 |  |
Investments in associates and joint ventures | 68,419,475 | 2,950,880 | 1,191 | (67,811,381) | 3,560,165 | 5,481,876 | - | (71,528) | 8,970,513 |  |
Total liabilities | 1,384,018,647 | 338,204,857 | 154,249 | (48,142,468) | 1,674,235,285 | (10,617,211) | (40,304,939) | 8,964,820 | 1,632,277,955 |  |
(1) |  | Refers to: consolidation adjustments, originating from proportionally consolidated companies (Grupo Cielo, Grupo EloPar, Crediare, etc.);
(2) |  | Consolidation adjustments originating from the “non-consolidation” of exclusive funds;
(3) |  | Adjustments due to differences in accounting standards used in management reports and in the Group's financial statements that were prepared in IFRS. The main adjustments refer to the expected loss of financial assets, business models, effective interest rate, business combination and insurance contracts;
(4) |  | Includes, in the Consolidated Financial Statements, the balances referring to “Net gains/(losses) on financial assets and liabilities at fair value through profit or loss”, “Net gains / (losses) on financial assets at fair value through other comprehensive income” and “Net gains/(losses) from operations in foreign currency”; and
(5) |  | Includes, in the Consolidated Financial Statements, the balances referring to depreciation and amortization.

X
- References No definition available. + Details
Name: | bbd_OperatingSegmentsAbstract
Namespace Prefix: | bbd_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | bbd_ScheduleOfInformationByOperatingSegmentReviewedTableTextBlock
Namespace Prefix: | bbd_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration