Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 446

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 446
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 actuarial science who assisted in: (i) evaluating the overall methodology for the measurements of insurance contracts liabilities for
compliance with IFRS as issued by IASB; (ii) assessing the conceptual soundness of the models and modelling techniques, including those
assumptions used to determine income conversion rates for annuity contracts, longevity, loss ratios, and the non-financial risk adjustments,
by inspecting the model documentation to determine whether the models are suitable for their intended use; (iii) testing the reasonableness
of the assumptions related to the non-financial risk adjustments and loss ratios by using independently developed models and the Bank’s
historic data to estimate these assumptions and comparing them to the Bank’s assumptions; (iv) checking the accuracy of the Bank’s
models to estimate discount rates, longevity and income conversion rates; and (v) evaluating the reasonableness of the assumptions regarding
discount rates, longevity and income conversion rates by comparing them to the applicable industry and regulatory practices.

/s/ KPMG Auditores Independentes Ltda.

We have served as the Bank’s auditor since 2011.

São Paulo, Brazil

March 31, 2025

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