Bradescoが2018年第1四半期決算を発表
Bradescoが2018年第1四半期決算を発表
AsiaNet 73302 （0755）
【サンパウロ2018年4月27日PR Newswire＝共同通信JBN】Banco Bradesco（B3: BBDC3, BBDC4; NYSE: BBD, BBDO; e Latibex: XBBDC）は27日、2018年第1四半期（1Q18）の決算を発表した。
Bradescoが発表した要旨は以下の通り。
Variation%
(unless other wise
stated)
R$ million (unless 1Q18 4Q17 1Q17 1Q18 x 1Q18 x
otherwise stated) 4Q17 1Q17
Result
Recurring Net Income (1) 5102 4,862 4,648 4.9 9.8
Net Interest Income 15,686 15,813 16,036 (0.8) (2.2)
Expanded ALL (2) (3,892) (5,405) (5,282) (28.0) (26.3)
Fee and Commission
Income 7,831 8,062 7,430 (2.9) 5.4
Insurance Written
Premiums, Pension Plan
Contributions and
Capitalization Bond
Income 17,570 21,192 17,948 (17.1) (2.1)
Statement of Financial
Position
Total Assets (3) 1,303,842 1,298,328 1,294,139 0.4 0.7
Expanded Loan
Portfolio (4) 486,645 492,931 502,714 (1.3) (3.2)
- Individuals 177,814 175,469 171,820 1.3 3.5
- Companies 308,831 317,462 330,894 (2.7) (6.7)
Shareholders' Equity 113,776 110,457 104,558 3.0 8.8
Assets under
Management 2,003,948 1,987,487 1,943,687 0.8 3.1
Highlights
Annualized Return on
Average Equity (ROAE)
- % (5) 18.6 18.0 18.3 0.6 0.3
p.p. p.p.
Efficiency Ratio (ER)
- % (6) 40.9 40.8 40.0 0.1 0.9
p.p. p.p.
Recurring Net Income per
Share - R$ (6) (7) 2.91 2.84 2.64 2.5 10.2
Market
Capitalization (8) 237,219 200,521 178,208 18.3 33.1
Interest on
Shareholders'Equity
- Net 1,519 2,216 1,568 (31.5) (3.1)
Delinquency Ratio
(> 90 days (9) /
Loan Portfolio) - % 4.4 4.7 5.6 (0.3) (1.2)
p.p. p.p.
Tier I Capital - % (10) 12.4 13.1 12.0 (0.7) 0.4
p.p. p.p.
（1）この経済・金融分析リポートの5ページに表記されている臨時イベントによる
（2）保証金、担保、貸出金回収からの収益、付与された割引、BNDUによる業績（自社利用ではない資産）、金融資産価値の減損に対する措置を含む
（3）より詳しい情報は注釈4－このリポートの「財務諸表全容」の章にある貸借対照表と収益管理明細表－を参照
（4）融資ポートフォリオ以外－ブラジル中央銀行（Bacen）のコンセプトは、保証金、担保、入金依頼状、クレジットカード債権前払い金、債務証書、約束手形、不動産売掛証書における連帯債務、地方信用貸しを含む
（5）それは自己資本として計上されている売却可能有価証券の値洗い効果を除く
（6）過去12カ月間
（7）比較のため、株式はこの期間に発生した配当および株式分割に従って調整される
（8）同期間の最終取引日の普通株および優先株の終値で乗じられた株式数（自己株式は除く）
（9）期限経過貸付
（10）2018年を100%（2017年を80％）とする健全性調整による控除適用のタイムテーブル変更に伴う控除
▽経常純所得と帳簿純所得
以下は同期における純所得に影響を及ぼした主要な臨時イベントの比較である。
R$ million 1Q18 4Q17 1Q17
Recurring Net Income 5,102 4,862 4,648
Non-Recurring Events (635) (1069) (577)
- Goodw ill amortization (Gross) (607) (600) (554)
- Other (1) (28) (469) (23)
Book Net Income 4,467 3,793 4,071
（1）基本的に臨時負債から成り、2017年第1四半期には以下を含む。
（a）総額2億7800万レアルの非金融資産の減損（b）総額4900万レアルの税制特別決済プログラム（PERT）（c）総額6200万レアルの投資パートナーシップ・プログラム（PPI）
税抜き効果
▽経常収支の分析要約
経常収益の分析要約に関する詳細はこのリポートの「経済および金融分析」の章を参照。
Recurring Income Statement Variation %
(R$ million) 1Q18 4Q17 1Q17 1Q18 x 1Q18 x
4Q17 1Q17
Net Interest Income 15,686 15,813 16,036 (0.8) (2.2)
- NII - Interest Earning
Portion 15,493 15,661 15,900 (1.1) (2.6)
- NII - Non-Interest
Earning Portion (1) 193 152 136 27.0 41.9
Expanded PDD (3,892) (5,405) (5,282) (28.0) (26.3)
ALL Expenses (4,599) (5,414) (5,896) (15.10) (22.0)
Income from Credit Recovery 1,447 1,593 1,541 (9.2) (6.1)
Granted Discounts /
Other (2) (485) (801) (507) (39.5) (4.3)
Impairment of Financial
Assets (255) (7830) (420) (67.4) (39.3)
Gross Income from Financial
Intermediation 11,794 10,408 10,754 13.3 9.7
Income from Insurance,
Pension Plans and
Capitalization Bonds (3) 1,515 1,873 1,627 (19.1) (6.9)
Fee and Commission Income 7,831 8,062 7,430 (2.9) 5.4
Personnel Expenses (4,829) (4,878) (4,822) (1.0) 0.1
Other Administrative Expenses (4,810) (5,340) (4,854) (9.90) (0.9)
Tax Expenses (1,821) (1,758) (1,772) 3.6 2.8
Equity in the earnings
(losses) of unconsolidated
and jointly
controlled subsidiaries 27 30 58 (10.0) (53.4)
Other Operating Income /
(Expenses) (2,037) (1,923) (1,833) 5.9 11.1
Operating Income 7,670 6,474 6,588 18.5 16.4
Non-Operating Income (9) (160) (52) (43.8) (82.7)
IR/CS (2,483) (1,543) (1,839) 60.9 35.0
Income Tax / Social Contribution (76) (53) (49) 43.4 55.1
Non-controlling interests
in subsidiaries 5,102 4,862 4648 4.9 9.8
（1）信用貸付を含まない金融資産の減損を含む
（2）BNDUの業績と保証金および担保に関する準備金を含む
（3）保険、年金制度とキャピタライゼーション・ボンド＝保険、年金制度、キャピタライゼーション・ボンドの保有保険料－保有請求権－キャピタライゼーション・ボンド・ドローおよび回収－保険プラン、年金制度、キャピタライゼーション・ボンド販売費
財務諸表はBradescoのウェブサイトbanco.bradesco/riの投資家向け広報サイトで閲覧可能。
▽問い合わせ先
Investor Relations Team
+55-11-2194-0922
investors@bradesco.com.br
ソース：Banco Bradesco S.A.
Bradesco - 1Q18 Results
PR73302
SAO PAULO, April 27, 2018 /PRNewswire=KYODO JBN/ --
Banco Bradesco (B3: BBDC3, BBDC4; NYSE: BBD, BBDO; e Latibex: XBBDC) announces
today its results for the first quarter of 2018 (1Q18). Please refer to the
information below.
The main figures reported by Bradesco are as follows:
Variation%
(unless other wise
stated)
R$ million (unless 1Q18 4Q17 1Q17 1Q18 x 1Q18 x
otherwise stated) 4Q17 1Q17
Result
Recurring Net Income (1) 5102 4,862 4,648 4.9 9.8
Net Interest Income 15,686 15,813 16,036 (0.8) (2.2)
Expanded ALL (2) (3,892) (5,405) (5,282) (28.0) (26.3)
Fee and Commission
Income 7,831 8,062 7,430 (2.9) 5.4
Insurance Written
Premiums, Pension Plan
Contributions and
Capitalization Bond
Income 17,570 21,192 17,948 (17.1) (2.1)
Statement of Financial
Position
Total Assets (3) 1,303,842 1,298,328 1,294,139 0.4 0.7
Expanded Loan
Portfolio (4) 486,645 492,931 502,714 (1.3) (3.2)
- Individuals 177,814 175,469 171,820 1.3 3.5
- Companies 308,831 317,462 330,894 (2.7) (6.7)
Shareholders' Equity 113,776 110,457 104,558 3.0 8.8
Assets under
Management 2,003,948 1,987,487 1,943,687 0.8 3.1
Highlights
Annualized Return on
Average Equity (ROAE)
- % (5) 18.6 18.0 18.3 0.6 0.3
p.p. p.p.
Efficiency Ratio (ER)
- % (6) 40.9 40.8 40.0 0.1 0.9
p.p. p.p.
Recurring Net Income per
Share - R$ (6) (7) 2.91 2.84 2.64 2.5 10.2
Market
Capitalization (8) 237,219 200,521 178,208 18.3 33.1
Interest on
Shareholders'Equity
- Net 1,519 2,216 1,568 (31.5) (3.1)
Delinquency Ratio
(> 90 days (9) /
Loan Portfolio) - % 4.4 4.7 5.6 (0.3) (1.2)
p.p. p.p.
Tier I Capital - % (10) 12.4 13.1 12.0 (0.7) 0.4
p.p. p.p.
(1) According to the non-recurring events described on page 5 of this Economic
and Financial Analysis Report;
(2) Includes provision for sureties, guarantees, income from credit recoveries,
discounts granted, result with BNDU (assets not for own use) and impairment of
financial assets;
(3) For more information, please see note 4 - Balance Sheet and Managerial
Statement of Income, in chapter "Complete Financial Statements" of this report;
(4) Besides the Loan portfolio - Brazilian Central Bank (Bacen) concept,
includes sureties, guarantees, credit letters, advances on credit card
receivables, debentures, promissory notes, co-obligations in real estate
receivable certificates and rural credit;
(5) It excludes mark-to-market effect of Available-for-Sale Securities recorded
under the Shareholders' Equity;
(6) In the last 12 months;
(7) For comparison purposes, shares were adjusted in accordance with bonuses
and stock splits occurred in the periods;
(8) Number of shares (excluding treasury shares) multiplied by the closing
price for common and preferred shares on the period's last trading day;
(9) Overdue loans; and
(10) Reduction related to the change in the timetable for the application of
deductions on the prudential adjustments that resulted in 100% in 2018 (80% in
2017).
Recurring Net Income vs. Book Net Income
Below is a comparison between the main non-recurring events that affected the
net income in the period:
R$ million 1Q18 4Q17 1Q17
Recurring Net Income 5,102 4,862 4,648
Non-Recurring Events (635) (1069) (577)
- Goodw ill amortization (Gross) (607) (600) (554)
- Other (1) (28) (469) (23)
Book Net Income 4,467 3,793 4,071
(1) Consisting basically of contingent liabilities, and in the 4Q17, includes:
(a) impairment of non-financial assets, in the amount of R$278 million; (b)
special tax regularization program (PERT), in the amount of R$49 million; and
(c) program of incentivized installment (PPI), in the amount of R$62 million.
Net of tax effects.
Summarized Analysis of Recurring Income
For more information about the summarized analysis of recurring income
presented as follows, see chapter "Economic and Financial Analysis" of this
report.
Recurring Income Statement Variation %
(R$ million) 1Q18 4Q17 1Q17 1Q18 x 1Q18 x
4Q17 1Q17
Net Interest Income 15,686 15,813 16,036 (0.8) (2.2)
- NII - Interest Earning
Portion 15,493 15,661 15,900 (1.1) (2.6)
- NII - Non-Interest
Earning Portion (1) 193 152 136 27.0 41.9
Expanded PDD (3,892) (5,405) (5,282) (28.0) (26.3)
ALL Expenses (4,599) (5,414) (5,896) (15.10) (22.0)
Income from Credit Recovery 1,447 1,593 1,541 (9.2) (6.1)
Granted Discounts /
Other (2) (485) (801) (507) (39.5) (4.3)
Impairment of Financial
Assets (255) (7830) (420) (67.4) (39.3)
Gross Income from Financial
Intermediation 11,794 10,408 10,754 13.3 9.7
Income from Insurance,
Pension Plans and
Capitalization Bonds (3) 1,515 1,873 1,627 (19.1) (6.9)
Fee and Commission Income 7,831 8,062 7,430 (2.9) 5.4
Personnel Expenses (4,829) (4,878) (4,822) (1.0) 0.1
Other Administrative Expenses (4,810) (5,340) (4,854) (9.90) (0.9)
Tax Expenses (1,821) (1,758) (1,772) 3.6 2.8
Equity in the earnings
(losses) of unconsolidated
and jointly
controlled subsidiaries 27 30 58 (10.0) (53.4)
Other Operating Income /
(Expenses) (2,037) (1,923) (1,833) 5.9 11.1
Operating Income 7,670 6,474 6,588 18.5 16.4
Non-Operating Income (9) (160) (52) (43.8) (82.7)
IR/CS (2,483) (1,543) (1,839) 60.9 35.0
Income Tax / Social Contribution (76) (53) (49) 43.4 55.1
Non-controlling interests
in subsidiaries 5,102 4,862 4648 4.9 9.8
(1) Includes impairment of financial assets without characteristic of credit;
(2) Includes the result with BNDU and provision to sureties and guarantees; and
(3) Income from Insurance, Pension Plans and Capitalization Bonds = Retained
Premiums from Insurance, Pension Plans and Capitalization Bonds - Variation in
technical reserves for Insurance, Pension Plans and Capitalization Bonds -
Retained Claims - Capitalization Bond Draws and Redemptions - Insurance Plan,
Pension Plan and Capitalization Bond Selling Expenses.
The Financial Statements can be found in Bradesco's Investor Relations website
at banco.bradesco/ri.
CONTACT
Investor Relations Team
+55-11-2194-0922
investors@bradesco.com.br
SOURCE Banco Bradesco S.A.
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