Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 246

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 5
Chunk 246
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 the increase in Tier I Capital starting from January 2025.
 The following table shows our capital positions as a percentage of total risk-weighted assets:
 
As of December 31,                  In %              
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Basel III Prudential Consolidated             
2024                        2023          2022
Tier I capital             12.4%         13.2%   12.4%
Common equity              10.5%         11.7%   11.0%
Additional capital          1.8%          1.6%    1.5%
Total Ratio                14.8%         15.8%   14.8%
5.B.50 Capital Management
 We exercise capital management, performing periodic capital projections of at least three years, for which we consider changes in the economic scenario and in organizational business expectations at an organization-wide level. In addition, our capital management process includes the use of a Recovery Plan, which considers strategies to be adopted in extreme adverse scenarios; a Capital Plan; and a Contingency Plan, which are part of the ICAAP Process (Internal Capital Adequacy Assessment Process).
 These processes involve both the control and business areas, as directed by the Board of Executive Officers and the Board of Directors and have a governance structure composed of Commissions and Committees, with the Board of Directors being the highest authority.
 The General Accounting Department is responsible for providing Senior Management with analyses and projections of capital availability and needs, identifying threats and opportunities that affect sufficiency planning, and seeking to optimize capital levels, thus complying with the regulations of the Central Bank of Brazil that govern capital management activities.
 
5.B.50.01 Corporate Capital Management Process
 Capital management is carried out in order to ensure the conditions necessary for the achievement of our strategic objectives and to support the risks inherent in our activities.
 When preparing our capital plan, we adopted a prospective approach of at least three years, anticipating the need for capital, establishing procedures and contingency actions to be considered in adverse scenarios and taking into account possible changes in the conditions of the regulatory, economic and business environment in which we operate.
  
157 – Form 20-F 2024 | Bradesco
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To permanently ensure a solid composition of capital to support the development of our activities and ensure adequate coverage of the risks incurred, we conduct periodic monitoring of capital projections and include a managerial capital margin (buffer), which is added to the minimum regulatory requirements.
 The definition of the management buffer is aligned with