Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 417

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 417
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728)      ( 8,986,872)  

  (1)      Values net of taxes; and  

  (2)      As a reference for the shocks applied to the 1-year vertex, the values were                                                      
           approximately 372 bps and 726 bps (scenarios 2 and 3 respectively) on December 31, 2024 (on December 31, 2023 - the values were  
           approximately 269 bps and 548 bps in scenarios 2 and 3 respectively).                                                            
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  40.4.      Liquidity risk  

The Liquidity Risk is represented by the
possibility of the institution not being able to efficiently meet its obligations, without affecting its daily operations and incurring
significant losses, as well as the possibility of the institution to fail to trade a position at market price, due to its larger size
as compared to the volume usually traded or in view of any market interruption.

The understanding and monitoring of this
risk are crucial to enable the Company to settle operations in a timely manner.

Control and Monitoring

The liquidity risk management of the Company
is performed using tools developed on platforms and validated by independent areas of the Company. Among the key metrics and indicators
considered in the framework of liquidity risk, are:

  Information on the Liquidity Coverage Ratio (LCR): A measure                                                                             

  Net Stable Funding Ratio (NSFR): A measure of the sufficiency                                             

  Loss of deposits to different time horizons;  

  Maps of concentration of funding in different visions (product,  

  Integrated stress exercises where different dimensions of risk  

Limits were established for the main metrics,
which can be strategic (approved up to the level of the Board of Directors) or operational (approved by the Treasury Executive Committee
for Asset and Liability Management), based on flags, which trigger different levels of governance according to the percentage of use (consumption)
of their respective limits.

Liquidity Risk Mitigation

The governance established for the liquidity
risk management includes a series of recommendations to mitigate the risk of liquidity, among the main strategies, are:

  Diversification of funding as to the counterpart, product and  

  Adoption of managerial limits of liquidity, in addition to those  

  Prior analysis of products which may affect the liquidity before  
  their implementation; and                                         
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