Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 100

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 100
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 equity (ROAE) and the return on
average assets (ROAA), are presented in item 2.1.h. Other analyses that are relevant to our financial and economic conditions related
to liquidity sources and levels of indebtedness are presented in items 2.1.d, 2.1.e, 2.1.f and 2.1.h.

| I. | Operating Coverage Ratio |

In 2024,
the operating coverage ratio increased by 0.2 p.p. compared to 2023, driven by the increase in our fee and commission income, given the
increase in advisory services with capital market, consortia administration and card rents.

Regarding
the variations presented for fee and commission income, personal and administrative expenses, the comments are included in item 2.1.h.

| II. | Indicators of loans and overdue advance payments and expected loss from loans and advance payments |

We will
only use some of these indicators to monitor and support the decision-making process in relation to the loan operations and advance payments.

| 77 – Reference Form – 2024 |

| 2. Officers’ notes |

The following
tables show a summary of our loans and advances indicators:

In 2024,
expected losses of loans and advances amounted to R$51,563 million, reaching a coverage ratio above 90 days of 180.1% in 2024 (164.6%
in 2023) and above 60 days of 152.6% in 2024 (140.3% in 2023). We calculated our coverage ratio for NPL above 60 days and 90 days by dividing
the total balance of expected credit losses for loans and advances by the balance of loans and advances to clients expired more than 60
days and expired more than 90 days, respectively.

Our level
of losses/write-off with loans, net recoveries, reached 4.3% in relation to the average balance of loans and advances to clients in 2024
(5.6% in 2023).

Our portfolio
of loans and advances to clients increased by 14.4%, reaching the sum of R$720,240 million in 2024 (R$629,687 million in 2023), reflecting
the increase in operations with: (i) legal entities that showed growth of 17.6% compared to 2023, with emphasis on the increase of: (a)
26.5% in financing and transfers (includes import