Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 109

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 109
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 provision – the 52.4% increase in 12 months resulted from the increase 
 in the portfolio of Brazilian public securities.                                               |

| § | Other assets – recorded a growth of 42.6% over the last 12 months, driven primarily by foreign                                        
 exchange operations. These operations refer mainly to foreign currency purchases carried out by the institution on behalf of clients, 
 as well as amounts receivable by the institution in domestic currency resulting from foreign exchange sales transactions.             |

The
analysis of our financial liabilities (resources of financial institutions, deposits from clients, bond issues, subordinated debt and
technical provisions) are discussed in item 2.1.d (main sources of funding).

Statement of Income

For
a better understanding of the key impacts that affected our results (income and expenses), the consolidated financial statements for the
years ended December 31, 2024 and 2023 are below. They were prepared in accordance with International Financial Reporting Standards (IFRS)
issued by the International Accounting Standards Board (IASB).

| 90 – Reference Form – 2024 |

| 2. Officers’ notes |

| 91 – Reference Form – 2024 |

| 2. Officers’ notes |

Selected financial indexes

Next,
we will comment on the main reasons that influenced our lines of results in the comparison of the last fiscal year.

Interest and similar income

Our
interest and similar income increased by R$276 million, or 0.1%, in 2024 compared to 2023, due to the growth in the average volume of
interest-bearing assets, benefiting our revenues in R$12,801 million, being partially offset by the reduction in the rates of our interest
yielding assets, reflecting the variation of interest rates practiced in Brazil, which went from an average of 13.25% during 2023 to an
average of 11.96% during 2024, in addition to the behavior of the economic-financial indices, such as inflation. These factors impacted
our revenues by R$12,526 million.

Interest and similar expenses

Our
interest and similar expenses in 2024 decreased by R$12,097 million, or 7.7%, compared to 2023, due to the reduction of the average interest
ratio paid, reducing our expenses by R$25,732 million, with emphasis on: (i) term deposits whose expenditure reduced R$8,847 million;
(ii) liabilities of insurance contracts whose expenditure reduced R$