Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 125

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 125
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 due                                             
 to the opportunity to grow more than we expected in warranty lines and low-risk products. Combining the two lines, our NII net of provisions 
 reached R$34.0 billion in the year, close to the top of the implicit guidance range from R$28.1 billion to R$34.8 billion.                   |

| · | Fee and Commission Income and Operating Expenses – Failure to comply with the guidance is                                                    
 related to the exercise of the OPA of Cielo, to which Bradesco increased its stake to 50.7%, disregarding this effect we would have complied 
 with the guidance, at 5.2% in Fee and Commission Income and 8.1% in Operating Expenses.                                                      |

| 107 – Reference Form – 2024 |

| 3. Projections |

Projections for 2023

| Indicators                                                              | Observed  | Estimated              |
| Expanded Loan Portfolio                                                 | -1.6%     | 1% to 5%               |
| Net Interest Income                                                     | -1.8%     | 2% to 6%               |
| Fee and Commission Income                                               | -0.1%     | 2% to 6%               |
| Operational                                                             
 Expenses                                                                
 (Personnel                                                              
 and Administrative Expenses + Other Operating Expenses)                 | 10.4%     | 7% to 11%              |
| Income from Insurance, Pension Plans and Capitalization Bond Operations | 21.1%     | 21% to 25%             |
| Expanded Loan Loss Provisions                                           | R$39.5 bi | R$36.5 bi to R$39.5 bi |

Reasons for deviations in the projections:

| · | Expanded Loan Portfolio - The lower-than-expected growth of the loan portfolio was mainly due to                                          
 the implementation of more restrictive credit policies with the aim of controlling default, which reached its peak in terms of 90-day     
 NPL in 2Q23. After controlling default, the bank gradually resumed credit origination, impacting the formation of the expanded portfolio. 
 This recovery is reflected in the 2024 guidance, which points to growth in the expanded loan portfolio of 7 to 11%.                       |

| · | Net Interest Income and Fee and Commission Income - Failure to comply with the guidance for Net                                          
 Interest Income and Fee and Commission Income is correlated to lower-than-expected credit growth, impacted by the lower volume of