Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 53

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 53
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 for statutory reporting purposes, financial institutions were required to classify their loans and advances into nine
categories, ranging from AA to H, based on their risk. These credit risk classifications are determined in accordance with Central Bank
of Brazil criteria relating to:

| · | the conditions of the debtor and the guarantor, such as their economic and financial situation, level                
 of indebtedness, capacity for generating profits, cash flow, delay in payments, contingencies and credit limits; and |

| · | the conditions of the transaction, such as its nature and purpose, the type, the level of liquidity, the 
 sufficiency of the collateral and the total amount of the credit.                                        |

In the
case of corporate borrowers, of the nine categories that we use, according to our classification, five are considered operational and
four of dubious liquidation.

The
classification of operating categories follows the following concept:

| Rating | Bradesco Classification | Bradesco Concept                                                                                                                                |
| AA     | Excellent               | First-tier large company or group, with a long track record, market leadership and excellent economic and financial concept and positioning.    |
| A      | Very Good               | Large company or group with sound economic and financial position that is active in markets with good prospects and/or potential for expansion. |
| B      | Good                    | Company or group, regardless of size, with good economic and financial positioning.                                                             |
| C      | Acceptable              | Company or group with a satisfactory economic and financial situation but with performance subject to economic variations.                      |
| D      | Fair                    | Company or group with economic and financial positioning in decline or unsatisfactory accounting Information, under risk management.            |

A loan
and advance transaction may be upgraded if it has credit support or downgraded if in default.

| 47 – Reference Form – 2024 |

| 1. Issuer’s activities |

Doubtful
loans are classified according to the loss perspective, as per E-H ratings as follows:

| Rating | Bradesco Classification |
| E      | Deficient               |
| F      | Bad                     |
| G      | Critical                |
| H      | Uncollectible           |

A similar nine-category ranking system exists for transactions with individuals. We grade credit based on data including the individual’s income, equity and credit history,as well as other database, behavioral and transactional information considering both internal
and market-related sources (credit score and behaviour score).

For
regulatory purposes, financial institutions are required