Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 128

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 4
Chunk 128
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 have credit limits for each type of loan. We also pre-approve some credit limits for individual and corporate clients.
 We review the credit limits of our clients every 180 days. However, in general, the review process takes place every 90 days. For wholesale customers, the term can reach up to 1 year.
 Our maximum exposure per client (e.g., individuals, legal entities or other economic groups) is determined by client rating and the aggregate maximum exposure is limited to 9.5% of our Reference Equity.
 Any cases in which the maximum level of exposure per client exceeds the thresholds as set out in the table below or with limits defined by the credit exception rules which are required to be submitted for our Board of Directors' approval.
 The table below refers to the maximum percentages of exposure on Level 1 Reference Equity of the Bank by Client Rating in the Wholesale and Retail segment. The table below shows the maximum exposure we have to the wholesale and retail clients based on their rating as a percentage of our Tier 1 Capital as of the date of this annual report.
  
71 – Form 20-F 2024 | Bradesco
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Wholesale Client Rating   Retail Client Rating       As a % of Tier I Capital    
---------------------------------------------------------------------------------
AA1                       AA1                                                 9.5
AA2                       AA2                                                 9.0
AA3                       AA3                                                 8.6
AA4                       AA4                                                 7.6
A1                        A1                                                  6.7
A2                        A2                                                  5.7
A3                        A3                                                  4.8
A4                        A4                                                  3.8
B1                        B1                                                  2.7
B2                        B2                                                  2.3
B3                        B3                                                  1.8
B4                        B4                                                  0.9
C1                        C1                                                  0.7
C2                        C2                                                  0.5
C3                        C3                                                  0.4
C4                        C4                                                  0.4
D1                        D                      Report to the Board of Directors
D2                                               Report to the Board of Directors
D3                                               Report to the Board of Directors
 Our credit policy is continuously developing and as part of our risk management process, we continue to improve our credit granting procedures, including procedures to gather data on borrowers, calculate potential losses and assess applicable classifications. Additionally, we assess our institutional credit risk management in view of