Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 127

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 4
Chunk 127
---

Number of transactions      2,568.2     2,536.3     2,497.3

70 – Form 20-F 2024 | Bradesco
------------------------------

·   Overdraft
-------------
 The overdraft is a revolving credit facility available for use with the checking account, which allows greater availability of financial resources in the case of withdrawals, transfers, honoring of payments and other debits, where the client’s own resources are not sufficient.
 

·   Conta garantida (guaranteed account)
----------------------------------------
 Conta garantida is a revolving credit facility for legal entities and individuals to meet short-term needs. The limit of the conta garantida allows for the negotiation of more attractive rates. However, in most cases, it requires a guarantee which can be a surety, disposal of assets, guarantees of contracts or anticipation of receivables, and investments, among others.
 
Ø  Credit policy
 Our credit policy is focused on:
 
·   ensuring the efficient management of lending and credit maintenance and ensuring the profitability and
                                         strong growth of our assets;                                     
----------------------------------------------------------------------------------------------------------

·   ensuring a maximum level of commitment and/or exposure, based upon the nature of the client, individual
                                   or legal entity, and of the business; and                               
-----------------------------------------------------------------------------------------------------------

·   minimizing risks inherent in loan operations.
-------------------------------------------------
 Our credit policy defines criteria for assigning limits and concessions and maintenance of credits. In accordance with the rules set out in our internal policy, credit approvals are decided by our credit department, committees, CEO and by the Board of Directors (BD).
 Our transactions are diverse and target individuals and legal entities that show an ability to pay and remain in good standing. In all cases, we aim to have them secured by appropriate collateral to compensate for the risks involved, considering the use of funds and repayment periods, as well as risk ratings. The Central Bank of Brazil’s risk rating system has nine categories ranging from “excellent” to “very poor”. In line with our commitment to the ongoing development of our methodologies, the credit risk rating for our clients/economic groups is based on a range of 19 levels for Corporate clients, of which 14 represent performing loans. This adheres to the requirements set forth in the Basel Accords. For more information, see “Item 4.B. Business Overview – 4.B.70 Regulation and Supervision – 4.B.70.02 Banking Regulations – 4.B.70.02-11 Treatment of Loans and Advances”.
 We