Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 392

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 392
---
         5,066,964  
  Exchange differences on translations of foreign operations               759,955                               ( 341,980)           417,975      21,664                                  ( 9,749)            11,915  
  Other                                                                    4,429,936                           ( 1,993,471)         2,436,465      ( 2,183,307)                             982,488      ( 1,200,819)  
  Total                                                                    ( 5,426,881)                           2,016,463      ( 3,410,418)      6,630,746                           ( 2,752,686)         3,878,060  

  38)      OPERATING SEGMENTS  

The Company operates mainly in the banking
and insurance segments. Our banking operations include operations in the retail, middle-market and corporate sectors, lease, international
bank operations, investment bank operations and as a private bank. The Company also conducts banking segment operations through its branches
located throughout the country, in branches abroad and through subsidiaries as well as by means of shareholding interests in other companies.
Additionally, we are engaged in insurance, supplemental Pension Plans and capitalization bonds through our subsidiary, Bradesco Seguros
S. A. and its subsidiaries.

The following segment information
was prepared based on reports made available to Management to evaluate performance and make decisions regarding the allocation of
resources for investments and other purposes. Our Management uses accounting information prepared in accordance with the accounting
practices adopted in Brazil applicable to institutions authorized to operate by Central Bank (BR GAAP) for the purposes of making
decisions about allocation of resources to the segments and assessing their performance. The information of the segments shown in
the following tables considers the specific procedures and other provisions of the Brazilian Financial Institutions Accounting Plan
which includes the proportional consolidation of associates and joint ventures and the non-consolidation of exclusive funds.

The main assumptions for the segmentation
of income and expenses include (i) surplus cash invested by the entities operating in insurance, supplemental pension and capitalization
bonds are included in this segment, resulting in an increase in net interest income; (ii) salaries and benefits and administrative costs
included in the insurance, supplemental pension and capitalization bonds segment consist only of cost directly related to these operations,
and (iii) costs incurred in the banking operations segment related to the infrastructure of the branch network and other general indirect
expenses have not been allocated between segments