Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 399

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 399
---
. These include: sensitivity analyses, allowing the assessment of the impact resulting from
variations in a specific relevant parameter; scenario analysis, allowing the assessment of the impact resulting from simultaneous variations
in a set of relevant parameters; and reverse stress testing, identifying adverse events associated with predefined levels of income, capital
or liquidity, including those that configure the institution's unviability.

In the Stress Testing Program, the scenarios
and results are validated by COGIRAC, evaluated by the Risk Committee and deliberated by the Board of Directors, which is also responsible
for approving the program and the guidelines to be followed.

  40.1.      Capital Management  

The Group manages capital involving the
control and business areas, following the guidelines of the Executive Board and the Board of Directors. Its governance structure is composed
of Commissions and Committees, with the Board of Directors as the highest body.

The Group has a structure dedicated to
complying with the determinations of the Central Bank of Brazil related to capital management. In addition, it provides Senior Management
with analyses and projections on the availability and need for capital, identifying threats and opportunities that contribute to planning
the sufficiency and optimization of capital levels.

Capital Management Corporate Process

The Capital Management provides the conditions
required to meet the Company’s strategic goals to support
the risks inherent to its activities.

The Group adopts a three-year forward-looking
approach when preparing its capital plan, anticipating its capital needs and establishing contingency procedures and actions for adverse
scenarios. This considers possible changes in the regulatory, economic and business conditions in which it operates.

To manage sound capital composition to
support the development of its activities and to ensure adequate coverage of risks incurred, the group performs a periodic monitoring
of capital projections considering a managerial capital margin (buffer), which is added to the minimum regulatory requirements.

The management buffer was prepared based
on the market practices and is in line with the regulatory requirements, observing aspects such as additional impacts generated by stress
scenarios, qualitative risks and risks not captured by the regulatory model.

The results from the Group’s capital
projections are submitted to the Senior Management, pursuant to the governance established. In addition, the Company’s regulatory
capital sufficiency is monitored by periodically calculating the Basel Ratio, Tier I Ratio and Common Equity Ratio of the Prudential Conglomerate
(the Prudential Conglomerates is a sub-set of the consolidated Group defined for regulatory capital purposes and includes: (i) the financial
institutions authorized