Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 423

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 423
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999,978      178,596,176      180,352,343  
  Financial liabilities                                                                                                       
  Deposits from banks               -                         -                332,089,303      332,089,303      323,422,783  
  Deposits from customers           -                         -                599,473,510      599,473,510      621,934,680  
  Securities issued                 -                         -                226,021,936      226,021,936      244,966,258  
  Subordinated debt                 -                         -                 52,423,119       52,423,119       50,337,854  

  (1)      The amounts of loans and advances are presented net of the allowance for impairment losses.  

Below we list the methodologies used to
determine the fair values presented above:

Loans and advances to financial institutions: Fair values were estimated for groups of similar loans based upon type of loan, credit quality and maturity. Fair value for fixed-rate
transactions was determined by discounted cash flow estimates using interest rates approximately equivalent to our rates for new transactions
based on similar contracts. Where credit deterioration has occurred, estimated cash flows for fixed and floating-rate loans have been
reduced to reflect estimated losses.

Loans and advances to customers: The fair values for performing loans are calculated by discounting scheduled principal and interest cash flows through maturity using
market discount rates and yield curves that reflect the credit and interest rate risk inherent to the loan type at each reporting date.
The fair values for impaired loans are based on discounting cash flows or the value of underlying collateral.

The non-performing loans were allocated
into each loan category for purposes of calculating the fair-value disclosure. Assumptions regarding cash flows and discount rates are
based on available market information and specific borrower information.

Bonds and securities at amortized cost: Financial assets are carried at amortized cost. See Note 9 regarding the amortized cost.

Deposits from banks and customers

The fair value of fixed-rate deposits
with stated maturities was calculated using the contractual cash flows discounted with current market rates for instruments with similar
maturities and terms. For floating-rate deposits, the carrying
amount was considered to approximate fair value.

Funds from securities issued and Subordinated
debt

Fair values were estimated using a discounted
cash flow calculation that applies interest rates available in the market for similar maturities and terms.

  40.