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v3.25.1

SUPPLEMENTARY PENSION PLANS (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2024
Supplementary Pension Plans |
Schedule of main assumptions |
Schedule of main assumptions |  |
Risk factors | On December 31
2024 | 2023
Nominal discount rate | 3.50% - 10.94% p.a. | 3.50% - 10.09% p.a.
Nominal rate of future salary increases | 3.50% p.a. | 3.50% p.a.
Nominal growth rate of social security benefits and plans | 3.50% p.a. | 3.50% p.a.
Initial rate of growth of medical costs | 7.23% - 7.64% p.a. | 7.54% - 7.64% p.a.
Inflation rate | 3.50% p.a. | 3.50% p.a.
Biometric table of overall mortality | AT 2000 and BR-EMS | AT 2000 and BR-EMS
Biometric table of entering disability | Per plan | Per plan
Expected turnover rate | - | -
Probability of entering retirement | 100% in the 1ª eligibility to a benefit by the plan | 100% in the 1ª eligibility to a benefit by the plan
Schedule of actuarial obligations of the benefit plans |
Schedule of actuarial obligations of the benefit plans |  |  |  |
| R$ thousands
Retirement Benefits | Other post-employment benefits
Year ended on December 31 | Year ended on December 31
2024 | 2023 | 2024 | 2023
(i) Projected benefit obligations: |  |  |  |
At the beginning of the year | 2,794,954 | 2,740,903 | 857,347 | 800,535
Cost of current service | 1,179 | 284 | - | -
Interest cost | 249,162 | 252,694 | 78,223 | 75,344
Participant’s contribution | 465 | 473 | - | -
Actuarial gain/(loss) (1) | (218,019) | 69,201 | (65,504) | 28,890
Transfers | (278) | 16,460 | - | -
Past service cost - plan changes | - | (3,814) | - | -
Early elimination of obligations | (1,284) | (12,647) | - | -
Benefit paid | (269,280) | (268,600) | (50,341) | (47,422)
At the end of the year | 2,556,899 | 2,794,954 | 819,725 | 857,347
(ii) Plan assets at fair value: |  |  |  |
At the beginning of the year | 2,402,006 | 2,467,755 | - | -
Expected earnings | 214,092 | 227,227 | - | -
Actuarial gain/(loss) (1) | (125,943) | (56,554) | - | -
Contributions received: |  |  | - | -
- Employer | 195,343 | 31,526 | - | -
- Employees | 465 | 473 | - | -
Transfers | (134) | 16,460 | - | -
Early elimination of obligations | - | (16,460) | - | -
Benefit paid | (269,281) | (268,421) | - | -
At the end of the year | 2,416,548 | 2,402,006 | - | -
(iii) Changes in the unrecoverable surplus: |  |  |  |
At the beginning of the year | 57,939 | 60,861 | - | -
Interest on the irrecoverable surplus | 5,471 | 5,644 | - | -
Change in irrecoverable surplus (1) | (1,200) | (8,566) | - | -
At the end of the year | 62,210 | 57,939 | - | -
(iv) Financed position: |  |  |  |
Deficit plans (2) | 202,561 | 450,887 | 819,725 | 857,347
Net balance | 202,561 | 450,887 | 819,725 | 857,347
(1) | In the year ended December 31, 2024, the remeasurement effects recognized in Other Comprehensive Income, totaled R$87,297 thousand, (R$80,361 thousand in 2023), net of tax effects; and
(2) | Bradesco and its subsidiaries, as sponsors of said plans, considering an economic and actuarial study, calculated their actuarial commitments and recognize in their financial statements the actuarial obligation due.
Schedule of net cost/(benefit) of the pension plans consolidated statement of income |
Schedule of net cost/(benefit) of the pension plans consolidated statement of income |  |
| R$ - thousand
Year ended on December 31
2024 | 2023
Projected benefit obligations: |  |
Cost of service | 977 | 241
Cost of interest on actuarial obligations | 327,252 | 327,894
Expected earnings from the assets of the plan | (214,085) | (227,217)
Interest on irrecoverable surplus | 5,469 | 5,642
Net cost/(benefit) of the pension plans | 119,613 | 106,560
Schedule of maturity present value of defined benefit plans |
Schedule of maturity present value of defined benefit plans |  |
| R$ thousands
Retirement Benefits | Other post-employment benefits
Weighted average duration (years) | 8.04 | 9.89
2025 | 269,765 | 60,069
2026 | 274,300 | 62,716
2027 | 278,241 | 66,421
2028 | 281,622 | 70,101
2029 | 284,459 | 74,179
After 2030 | 1,438,390 | 432,287
Schedule of assets of pension plans |
Schedule of assets of pension plans |  |  |  |  |  |
| On December 31
Assets of the Alvorada Plan | Assets of the Bradesco Plan | Assets of the Kirton Plan
2024 | 2023 | 2024 | 2023 | 2024 | 2023
Asset categories |  |  |  |  |  |
Equities | - | - | 4.9% | 6.6% | - | -
Fixed income | 95.2% | 93.2% | 90.5% | 87.5% | 100.0% | 100.0%
Real estate | 3.8% | 4.9% | 2.3% | 2.1% | - | -
Other | 1.0% | 1.9% | 2.3% | 3.8% | - | -
Total | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0%
Schedule of sensitivity analysis of the benefit plan obligations |
Schedule of sensitivity analysis of the benefit plan obligations |  |  |  |
Rate | Discount rate/Medical inflation rate | Sensitivity Analysis | Effect on actuarial liabilities | Effect on the present value of the obligations
Discount rate | 11.57% - 11.94% | Increase of 1 p.p. | reduction | (244,821)
Discount rate | 9.57% - 9.94% | Decrease of 1 p.p. | increase | 281,522
Medical Inflation | 8.23% - 8.64% | Increase of 1 p.p. | increase | 69,786
Medical Inflation | 6.23% - 6.64% | Decrease of 1 p.p. | reduction | (60,384)

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