Company: BBD
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001292814-25-003700
Chunk: 136

Company: BANK BRADESCO
Filing Date: 2025-10-30
Form: 6-K
Chunk 136
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,705,308
Sensitivity test The purpose of the sensitivity test is to measure Group's impacts on the result, in the event of isolated, reasonably
possible changes in assumptions inherent to the operations that may be affected due to the risk underwriting process and that are considered
relevant on the balance sheet date. As risk factors, the following premises were elected: • Risk-free interest rate – represents
the minimum level of profitability that can be taken for granted by the Group. The test evaluated the impact of an increase in the risk-free
interest rate curve; • Income Conversion – The test evaluated the impact of an increase in the income conversion ratio for
annuity contracts; • Longevity (Improvement) – represents an individual's life expectancy, based on their year of birth, their
current age, and other demographic factors, including gender. The test evaluated the impact of an increase in the estimate of improvement
in life expectancy for annuity contracts; and • Loss ratio – is the main indicator of insurance contracts and is equivalent
to the ratio between the expenses and the income that the Group received for the contract. The test assessed the impact of an increase
in claims. Sensitivity test results The table below shows the impact on the Company's results in insurance liabilities for life insurance
with survivorship coverage, pension plans and individual life insurance, considering variations in the risk factor: On September 30, 2025
- R$ thousand Interest Rate - Variation of +5% (*) Results in the insurance liabilities (**) Pension Plans (288,324) (*) To better reflect
the interest rate risk, the projected profitability of balances was sensitized and the bottom-up rate, used to discount flows, was not
sensitized. On September 30, 2025 - R$ thousand Longevity (Improvement) - Variation of +0,2% Results in the insurance liabilities (**)
Pension Plans (18,241) (**) Reinsurance is not subject to the application of the shock, as it is a non-proportional and immaterial contract.
BRADESCO | Consolidated Financial Statements in IFRS 96 Consolidated Financial Statements in IFRS | Notes to the Consolidated Financial
Statements Sensitivity tests on Conversion and Income of the Pension and Life product longevity were not presented as they resulted in
zero impact. For non-life insurance, collective life and health including dental insurance, the table below shows the impact in expenses
with claims on the Group's income, if there was an increase of