Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 110

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 110
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6,574 million; and (iii) withdrawals in the open market whose expenditure
reduced R$6,079 million. These reductions were partially offset by the increase in the average volume of our interest-bearing liabilities,
which increased expenditure by R$13,635 million.

Fee and commission income

Our
fee and commission income increased by R$1,380 million, or 5.1%, in 2024 compared to 2023, reflecting the growth of revenues with: (i)
capital market/financial advisory (+R$446 million or +36.5%); (ii) consortia administration (+R$383 million or +16.7%); and (iii) card
revenues (+R$282 million or +3.0%). These growths were partially offset by lower revenues with: (i) collections and revenues (-R$218 million
or -10.2%); and (ii) checking accounts (-R$141 million or -2.0%), all these reductions are influenced by our portfolio adjustment strategy,
which includes products exempt from fees to align with market trends and client demand for more accessible services, in addition to being
part of the strategy to attract and retain clients.

Net gains (losses) on financial assets and liabilities at fair value through profit or loss

Our
net losses of financial assets and liabilities at fair value through the income reached a loss of R$2,250 million in 2024, compared to
a gain of R$10,896 million in 2023, due to the lower result with investments in securities of: (i) fixed income, which totaled a loss
of R$2,607 million in 2024, compared to a gain of R$7,307 million in 2023, reflecting the reduction of R$19,362 million or 6.9% in investments
in Brazilian public securities in 2024; and (ii) variable income that totaled a loss of R$543 million in 2024, compared to a gain of R$1,555
million in 2023.

| 92 – Reference Form – 2024 |

| 2. Officers’ notes |

Income from insurance and pension plans

Our
income from insurance and pension plans for 2024 increased by R$3,707 million, or 70.8%, compared to 2023, due to the increase in income
from insurance and pension (an increase of R$8,000 million or +15.