Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 407

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 407
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 100.0               629,686,699      100.0  
  Companies                                                        316,936,343       44.0               269,421,350       42.8  
  Real estate and construction activities                           23,610,490        3.3                21,251,317        3.4  
  Retail                                                            37,709,778        5.2                37,908,281        6.0  
  Services                                                          79,995,896       11.1                59,998,219        9.5  
  Transportation and concession                                     28,680,534        4.0                28,194,418        4.5  
  Automotive                                                         7,553,422        1.0                 6,735,346        1.1  
  Food products                                                     13,677,857        1.9                11,341,529        1.8  
  Wholesale                                                         20,378,978        2.8                16,342,183        2.6  
  Production and distribution of electricity                         8,633,777        1.2                 8,063,510        1.3  
  Oil, derivatives and aggregate activities                          6,918,329        1.0                 5,035,237        0.8  
  Other industries                                                  89,777,282       12.5                74,551,310       11.8  
  Individuals                                                      403,303,243       56.0               360,265,349       57.2  

Credit Risk Mitigation

Potential credit losses are mitigated
using a variety of types of collateral formally stipulated through legal instruments, such as conditional sales, liens and mortgages,
by guarantees such as third-party sureties or guarantees, and also by financial instruments such as credit derivatives, or netting arrangements.
The efficiency of these instruments is evaluated considering the time to recover and realize an asset given as collateral, its fair value,
the guarantors’ counterparty risk and the legal safety of the agreements. The main types of collateral include: term deposits; financial
investments and securities; residential and commercial properties; movable properties such as vehicles, aircraft. Additionally, collateral
may include commercial bonds such as invoices, checks and credit card bills. Sureties and guarantees