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São Paulo – (updated at 7:18) 1.2% on the first quarter. The forecast of badysts consulted by Amount was that Bradesco would have a profit of $ 5.293 billion R $ in the year to date.
] The bank shows an overall improvement in delinquency in the short term, but the indicator of the segment of large companies has again deteriorated. Overall, the index of transactions with arrears of 15 to 90 days fell to 3.99% in June, against 4.18% in March and 4.2% at the end of the second quarter of the year. last year.
However, short-term defaults on large firms went from 1.4% in March to 1.75% at the end of the second quarter. In June 2017, it was 1.4%. In the personal portfolio, the default rate was 5.19% in June, down 0.24 percentage points from March and 0.31 points from the same month of the month. 39, last year. At the end of June, Bradesco's loan portfolio totaled R $ 515.635 billion, up 6% from March and 4.5% from June 2017.
The Bradesco loan portfolio was experienced a recovery in both individuals and individuals.
The physical portfolio totaled R $ 182.817 billion at the end of the second quarter, an increase of 2.8% in three months and 6.3% in one year.
The corporate portfolio grew 7.8% in the quarter and 3.5% in 12 months, reaching R $ 332.818 billion at the end of June Various terms – such as working capital, real estate financing and retrocessions of BNDES – have again contracted. Foreign operations and export financing, influenced by the devaluation of the real over the period, showed improvement. According to Bradesco, the daily average of credit transactions increased by 15% in the second quarter compared to the first three months of the year and by 31%
The provision for receivables Doubtful (PDD) of Bradesco rose to 3,437 billion reais compared to the same period of the previous quarter
Provisions for bad debtors
down 36.1 % compared to the second quarter of 2017 and 11.7% compared to the first three months of the current calendar. Delinquency fell to 3.9% from 4.4% in the first quarter of 2018 and 4.9% in the second quarter of last year.
In presenting the figures, the institution revised downward its forecasts for these expenses this year. The previous estimate, which rose from R $ 16 billion to R $ 19 billion, rose from R $ 13 billion to R $ 16 billion. In the first half of the year, these expenses totaled R $ 7.3 billion.
In addition to reviewing the spending forecast with PDD, Bradesco has changed projection of the growth of insurance premiums, in the range of 4% to 8% for the range of 2% to 6%. In the first quarter, these premiums decreased by 1.8% compared to the same period in 2017.
Forecasts for the expanded credit portfolio continued to increase from 3% to 7%. In the first half, the increase was 4.5%. For the financial margin, the projection was also unchanged in a 4% decrease in stability. In the first six months of the year, there was a 3.8% decline.
For the growth in service-provided sales, forecasts are stable between 4% and 8%. In the first half of this year, Bradesco grew by 6.9%. In the case of operating expenses, the projection continues to fall from 2% to 2%. From January to June, there was an increase of 0.1%.
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