Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 400

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 400
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50%                     3.50%  
  Excess Margin of Common Equity                                                         2.51%                     3.68%  
  Leverage Ratio (AR)                                                                                                     
  Total exposure                                                                 1,860,789,433             1,714,042,678  
  AR                                                                                      6.7%                      7.3%  
  Short Term Liquidity Indicator (LCR)                                                                                    
  Total High Quality Liquid Assets (HQLA)                                          184,606,844               248,691,252  
  Total net cash outflow                                                           130,795,356               129,797,562  
  LCR                                                                                   141.1%                    191.6%  
  Long Term Liquidity Indicator (NSFR)                                                                                    
  Available stable funding (ASF)                                                   991,711,546               934,324,784  
  Stable resources required (RSF)                                                  818,326,687               737,181,037  
  NSFR                                                                                  121.2%                    126.7%  

  (1)      Failure to comply with ACP (public civil action) rules would result in restrictions on the payment of dividends and interest on equity,  

  40.2.      Credit risk  

Credit risk refers to the possibility
of losses associated with the borrower’s or counterparty’s failure to comply with their financial obligations under the terms
agreed, as well as the fall in value of loan agreements resulting from deterioration in the borrower’s risk rating, the reduction
in gains or remunerations, benefits granted to borrowers in renegotiations, recovery costs and other costs related to the counterparty’s
noncompliance with the financial obligations. Additionally, it includes the concentration risk and the country/transfer risk.

Credit risk management in the Company
is a continuous and evolving process of mapping, development, assessment and diagnosis through the use of models, instruments and procedures
that require a high degree of discipline and control during the analysis of transactions in order to preserve the integrity and autonomy
of the processes.

The Company controls the exposure to credit
risk which comprises mainly loans and advances, loan commitments, financial guarantees provided, securities and derivatives.

With the objective of not compromising
the quality of the portfolio, aspects inherent to credit concession, concentration, guarantee requirements and terms, among others, are
observed.

The Company maps the activities that could
possibly generate exposure to credit risk, classifying them by their probability