Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 433

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 433
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 Bradesco Capitalização S. A., Bradescor Corretora de Seguros Ltda., Bradesco Kirton Corretora de Câmbio
S. A. and Bradesco Seguros S. A. sponsor a supplementary pension plan in the defined benefit modality, through Multibra Fundo de Pensão,
for employees from Banco Bamerindus do Brasil S. A..

Banco Bradesco S. A. also took on the obligations
of Kirton Bank S. A. Banco Múltiplo with regard to Life Insurance, Health Insurance Plans, and Retirement Compensation for employees
coming from Banco Bamerindus do Brasil S. A., as well the Health Plan of employees from Lloyds.

Bradesco and its subsidiaries, as sponsors
of these plans, considering economic and actuarial studies, calculated their actuarial commitments using the real interest rate and acknowledged
in their financial statements the obligation due. The assets of Pension Plans are invested in compliance with the applicable legislation
(government securities and private securities, listed company shares and real estate properties). Below are the main assumptions used
by the independent actuary in the actuarial assessment of our plans:

  Schedule of main assumptions                                                                                                                                                 
  Risk factors                                                   On December 31                                                                                                
                                                                 2024                                                     2023                                                 
  Nominal discount rate                                          3.50% - 10.94% p.a.                                      3.50% - 10.09% p.a.                                  
  Nominal rate of future salary increases                        3.50% p.a.                                               3.50% p.a.                                           
  Nominal growth rate of social security benefits and plans      3.50% p.a.                                               3.50% p.a.                                           
  Initial rate of growth of medical costs                        7.23% - 7.64% p.a.                                       7.54% - 7.64% p.a.                                   
  Inflation rate                                                 3.50% p.a.                                               3.50% p.a.                                           
  Biometric table of overall mortality                           AT 2000 and BR-EMS                                       AT 2000 and BR-EMS                                   
  Biometric table of entering disability                         Per plan                                                 Per plan                                             
  Expected turnover rate                                         -                                                        -                                                    
  Probability of entering retirement                             100% in the 1ª eligibility to a benefit by the plan