Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 207

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 4
Chunk 207
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ordinated debt                                                                  329,899        (958,349)      (628,450)
Insurance contracts liabilities                                                  3,732,150      (6,574,224)    (2,842,074)
Total interest-bearing liabilities                                              13,634,807     (25,731,709)   (12,096,902)
 (1) The amounts set out in the table are calculated as follows:
 
·                              Net change is calculated according to the following formula: (interest and                           
    similar income interest and similar expenses of current period – interest and similar income or interest and similar expenses of
                                                           the prior period).                                                       
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·                             Average volume represents the change in interest and similar income (interest-earning                           
    assets) or interest and similar expenses (interest-bearing liabilities) as a result of fluctuations in volumes and is calculated according
                           to the following formula: (change in the average volume x average rate of the prior period).                       
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·                               Average yield/rate represents the change in interest income (interest-earning                            
    assets) or interest and similar expenses (interest-bearing liabilities) as a result of fluctuations in rates, calculated according to
                          the following formula: (change in the average rate x average volume of the prior period).                      
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·                                 Subsequently, the Average volume and Average yield/rates calculated as set                              
    out above are adjusted to reflect the difference between the total net changes and the sum of the two amounts. This adjustment is made
               in proportion to the absolute values of the Average volume and Average yield/rate, calculated as set out above.            
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4.B.100.03 Net interest income and spread
 The following table shows the average balance of our interest-earning assets, interest-bearing liabilities, and net interest and similar income, and compares net interest income with net interest spread for the periods indicated:
 
                    For the year ended December 31,                                  R$ in thousands, except %          
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2024                                                                                2023            2022
Average balance of interest-earning assets (A)                             1,697,045,950   1,598,145,976   1,507,516,553
Average balance of interest-bearing liabilities                            1,606,470,561   1,478,099,351   1,359,366,399
Net interest income (B)                                                       67,454,564      55,082