Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 124

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 4
Chunk 124
---
 in carrying out their plans for modernization, expansion and implementation of new businesses, with the aim of generating jobs, income and social inclusion in Brazil. Its portfolio has certain products and programs to provide government-funded long-term loans with different interest rates, focusing on economic development. We are one of the structuring agents of BNDES funds, lending to borrowers in several sectors of the economy. We determine the margin of return on the loans based on the borrower’s credit. Although we bear the risk for these BNDES and Finame onlending transactions, the transactions are always secured.
 In 2024, we disbursed R$11.4 billion, 63.8% of which were onlent to micro, small and medium-sized enterprises. 
  
68 – Form 20-F 2024 | Bradesco
------------------------------

·   Vehicle loans
-----------------
 Vehicle Loans are granted for the purchase of light and heavy vehicles, both new and used, to individuals and legal entities. We offer these products through our branch network, via the Bradesco App in a totally digital process, and Bradesco Financiamentos, being in direct contact with clients and business partners for the acquisition of light vehicles, motorcycles, trucks, buses, machinery and equipment.
 Our vehicle loans portfolio grew in 2024 due to the changes made to our approval policies, economic recovery and improvements in procurement processes, maintaining its position among the main portfolios in the Brazilian markets.
 

·   Leasing
-----------
 As of December 31, 2024, we had 4,506 active leasing agreements. According to ABEL, our leasing company is the sector leader, with a 33.5% market share in Brazil, based on the market portfolio of leases of R$18.6 billion.
 Financial leasing involves trucks, cranes, aircraft, ships and heavy machinery. In this same period, 6.0% of our transactions were for aircraft.
 We conduct our leasing transactions through our primary leasing subsidiary, Bradesco Leasing.
 
Ø  Borrowings
 
·   Working Capital
-------------------
 This is a line of credit for companies, available via physical and digital channels, granted to cover expenses or investments inherent in the company’s working capital, such as payments relating to 13th salary, stock renewal, training and others.
 

·   Personal Loans / Payroll-Deductible Loans
---------------------------------------------
 Personal loans are loans with a pre-approved limit for an unspecified purpose. Payroll-deductible loans are available to INSS pension