Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 101

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 101
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/export financing, real estate, vehicles, BNDES/Finame transfers and leasing), and (b)
12.4% in loans (includes working capital, rural loans and others); and (ii) individuals who showed growth of 11.9% compared to
2023, with emphasis on the increase of: (a) 14.0% in loans (includes personal payroll-deductible loans, and personal and rural loans),
and (b) 13.4% in financing and transfers (includes real estate and vehicle financing, BNDES/Finame transfers and others).

| 78 – Reference Form – 2024 |

| 2. Officers’ notes |

| b) | capital structure |

Analyzing
the following tables, the Directors understand that the bank’s current capital structure is adequate and consistent with our business
expansion strategy. The largest funding source for our operations is from third-party capital.

Over
the last two years, Bradesco has kept its proportion of capital held by third parties over 90%, which is seen as a normal level for institutions
in the financial intermediation business.

| 79 – Reference Form – 2024 |

| 2. Officers’ notes |

Basel Ratio

Brazilian
financial institutions are subject to methodology for capital metrics and levels based on a risk-weighted asset index. The parameters
of this methodology resemble the international framework for minimum capital measurements adopted for the Basel Accord.

The calculation
of our Basel Ratio is shown below:

Our
ratios remained above the regulatory limits, due to the capacity to generate capital (net income) and to the increase in prudential adjustments,
which absorbed the growth of risk-weighted assets (RWA), the remuneration to shareholders and the adjustments of equity valuation.

| c) | capacity to pay financial commitments |

The
Officers understand that the operations shown in the balance sheet by terms, presented below for the last fiscal year, show that Bradesco
has a comfortable liquidity margin to honor its obligations in the short-term. It is worth highlighting that the management policy is
regularly reviewed to ensure sufficient liquidity to honor withdrawals, deposits, repay other obligations at maturity, extend loans or
other forms of credit to its clients and meet its own needs of working capital for investment.

The
following table shows the financial assets and liabilities of the Organization segregated by maturities used for the management of liquidity
risks, in accordance with the remaining contractual maturities on the date of the consolidated financial statements: