Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 380

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 380
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  Total                                            59,213,997      21,739,201           13,110,183      ( 40,401,571)                        53,661,810  

  (1)      Relates to early settlements, maturities and modifications.  

  Sensitivity analysis  

The measurement of expected credit
losses incorporates prospective information based on projections of economic scenarios, which are developed by a team of specialists and
approved in accordance with the Group's risk governance. Each economic scenario has the evolution over time of a list of macroeconomic
variables, among which are: inflation indices (IPCA), economic activity indices (GDP, unemployment, etc.), Brazilian interest rates and
currencies, reflecting the expectations and assumptions of each scenario. Projections are reviewed at least annually, being more timely
in cases of material events that may materially alter future prospects.

The estimate of the expected credit
loss is made by combining multiple scenarios, which are weighted according to the probability assigned to each scenario, with the base
scenario being the most likely. In order to determine possible oscillations in the expected loss resulting from economic projections,
simulations were carried out by changing the weighting of the scenarios used in the calculation of the expected loss. The table below
shows the probabilities attributed to each scenario and the impacts:

  Schedule of sensitivity analysis                                                                                                                    
                                        On December 31, 2024 - R$ thousands                                                                           
                                        Weighting                                                                                      Constitution/  
                                        Base Scenario                            Optimistic Scenario*      Pessimistic Scenario**                     
  Simulation 1                          100%                                     -                         -                              ( 269,642)  
  Simulation 2                          -                                        100%                      -                            ( 1,105,037)  
  Simulation 3                          -                                        -                         100%                              618,074  

  Scenario in which the economy grows more than expected.  

  Scenario in which the economy grows less than expected.  

  Expected loss on loans and advances  

  Schedule of expected loss on loans and advances                                                                  
                                                       R$ thousands                                                
                                                       Year ended December 31                                      
                                                       2024                                2023              2022  
  Amount recorded                                      36,478,523                    34,849,384        32,216,964  
  Amount recovered                                     ( 9,841,746)                ( 4,672,395)      ( 5,870,896)  
  Expected loss on loans and advances                  26,636