Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 8

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 8
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 and commercial developments. As of December 31, 2024, we had 361 thousand financing contracts.

The
financing for the acquisition of residential properties has a maximum term of up to 35 years and the contracts may have annual interest
rates between 10.49% and 11.69% p.a. plus TR, or an annual interest rate of 4.49% p.a. plus savings remuneration. The financing for the
acquisition of commercial properties has a maximum term of up to 20 years and annual interest rates starting at 12.20% p.a. plus TR.

The
construction financing, also called the Plano Empresário, has a work period of up to 36 months plus the grace period to
implement the transfers to borrowers that varies between 6 and 12 months. Interest rates are priced on a case-by-case basis, both in TR+
and Savings+ modality.

Central
Bank of Brazil regulations require us to provide at least 65.0% of the balance of savings accounts in the form of Real Estate Financing.
The remaining funds are to be used for financings and other operations permitted under the terms of the legislation in force.

BNDES/Finame Onlending

The
BNDES is the main instrument of the Federal Government to support entrepreneurs of all sizes, including individuals, rural producers,
in carrying out their plans for modernization, expansion and implementation of new business, with the potential 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, to borrowers in several sectors
of the economy. We determine the margin of return on the loans based on the borrowers’ credit. Although we bear the risk for these
BNDES and Finame onlending transactions, these transactions are always secured.

In 2024,
we disbursed R$11.4 billion, 63.8% of which were loaned to micro, small and medium-sized enterprises.

Vehicle loans

Vehicle
Loans is a financing line for the purchase of light and heavy vehicles, both new and used, for individuals and legal entities. We offer
these products through our branch network, via the Bradesco App in a totally digital process and Bradesco Financiamentos, with direct
contact with clients and business partners for the acquisition of light vehicles, motorcycles,