Bradesco says that the main sector has contributed to customer loyalty and an increase in the volume of management finance

The new division of Bradescothe majorfor clients with income between R$25,000 and R$10,000,000 – in the middle range between prime minister and Private banking serviceswith significant wealth — reaching 320,000 clients and 62 dedicated offices. The plan for 2026 is for a total of 110 units, according to Guilherme Leal, vice president of the company. Wealth managementwealth management area, of the bank. Inorganic movements can be evaluated along the way. “We have an obligation to look at all opportunities.”

With the proposal now combining recurring financial planning, reformulating credit card benefits and offering insurance and other products from subsidiaries, within a year it is already possible to measure the fruits of the service closer to the customer, while increasing the share of equity in the hands of the bank, according to Leal. The bank did not reveal the volume covered by the new division. Another pillar of loyalty is the international platform, which was created after the acquisition of BAC Florida.

“Increasingly, high-income earners send part of their money abroad, and behind them there is a whole bank, Bradesco, which knows the customer and they can get their credit approved more easily abroad, if necessary,” Leal said while having lunch with reporters. “There has been greater migration because of the commitment to the value proposition it has created, with a greater bias towards international diversification. Brazilians are learning how to have a broader vision, and not just in Brazil.”

This behavior used to be more common in private banking, for pockets worth more than R$10 million, but it can now be observed among clients with a major tip. In addition to having fewer investment managers and specialists per client, the relationship makes a difference in executing the allocation recommended by the bank, Leal said.

The main feature of those who agree to take this step is the demand for hard currency protection and increased use of funds outside Brazil. However, the Executive does not see a greater demand for transfers resulting from changes in the taxation of dividends, which according to the project in Congress could be taxed at source at 10% for amounts starting from R$50,000 in 2026.

There is, structurally, no recommendation for external assets, and this is a dynamic call, depending on the macroeconomic and market moment.

With the Selec Index expected to decline in the future, there may be a greater willingness among investors towards risky assets such as stocks, Leal said. “But 15% is a very high interest rate, and it is safer than variable income. Once there is a move towards a lower interest rate, risk appetite will naturally increase.”

With the presidency in 2026, there may be a period of greater volatility. Therefore, Leal believes that the calibration of risks will depend on the development of the electoral conflict.

“A lower interest rate is actually a positive scenario, and if the election allows it, the investor will have a different allocation than today. The economy continues to grow, companies are doing well, and they have a significant discount in value. There may be an opportunity for a larger share of variable income.”