Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 129

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 4
Chunk 129
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 the recommendations by the Basel Accords, including by:
 
Ø   refining our methodology to calculate possible losses;
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Ø   identifying and implementing changes in our reporting processes to improve our loan portfolio management;
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Ø   restructuring our information control structure; and
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Ø   assessing the organizational structure of our loan assessment practices, including analyzing the demand
                                   for technology and addressing new issues.                               
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·   Lending
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 We use systems which are continually supervised and reviewed for loans operations analysis, allowing us to build a level of flexibility and accountability, as well as standardize the procedures for conceding loans.
 With these tools, we believe our branches can respond quickly to clients, keep costs low, and control the risks inherent in credit process in the Brazilian markets.
 The following table shows approval limits established for loan analysis:
 
    Total Risk Amount                              R$ in thousands                      
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Decision-making authority                                                               
Senior Superintendent        up to 60,000                                               
Credit officer               up to 200,000                                              
Executive Credit Committee   up to 500,000                                              
Plenary Credit Committee     Starting from 500,000                                      
Board of Directors           Proposals with specificities defined by the Credit strategy
 
In order to serve our clients’ needs as quickly as possible and securely, the Credit Department uses segmented analyses with different methodologies and instruments for credit analysis in each segment, in particular:
  
72 – Form 20-F 2024 | Bradesco
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Ø                                          in the “Classic”, “Exclusive”, “Prime”, “Principal” and                                        
               “Global Private Bank – Individuals” client segments, we consider the individual’s reputation, credit worthiness,           
    profession, monthly income, assets (goods and real property, any liabilities or interests in companies), bank indebtedness and history
      of their relationship with us, compliance with payment dates and rates in loans and advances, as well as the guarantees involved;   
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Ø              in the “Companies and Business” segment, in addition to the points mentioned above, we focus           
    on the owners of the relevant company, as well as considering the length of time in business and monthly revenues;
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Ø                                     in the “Corporate”, “Large Corporate”, “Ultra Corporate”, “Global                                  
               Corporate” and “Corporate Agribusiness” client segments, we consider management capability, the Company/Group’s           
    positioning in the market, its size, its economic development, cash flow capability