By Carolina Mandl SAO PAULO, Feb 9 (Reuters) - Shares in Banco Bradesco SA BBDC4.SA dropped 6% in morning trading on Wednesday after Brazil's second biggest private-sector lender posted a fourth-quarter profit that fell short of estimates. In notes to clients, analysts pointed to a jump in operating costs and loan-loss provisions and a softer 2022 guidance than previously expected. Chief Executive Octavio de Lazari told journalists in a conference call that Bradesco was more cautious in terms of new loans disbursements as inflation has been eating up individuals' income and higher interest rates make credit lines more expensive.