Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 245

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 5
Chunk 245
---
 lending plans, and to gradually reestablish the ACP Conservation until March 31, 2022.
 In 2024, the ACPs in force in the Brazilian National Financial System are as follows:
  
156 – Form 20-F 2024 | Bradesco
-------------------------------

      Percentage of Additional of Common Equity (in relation to RWA)        ACP 
--------------------------------------------------------------------------------
Percentage of Additional of Common Equity (in relation to RWA)              3.5%
of which: additional for equity conservation - ACPConservation              2.5%
of which: additional contracyclic- ACPContracyclic                          0.0%
of which: Additional Systemic Importance of Common Equity - Systemic ACPS   1.0%
 In 2017, the CMN issued Resolution No. 4,557/17, as amended by CMN Resolution No. 4,943/21, which established a series of rules on the subject and which detailed the structural operation of capital risk management and disclosure policy. On September 15, 2021, this Resolution was amended by CMN Resolution No. 4,943/21, which governed the management of social risk, environmental risk and climate-related risk.
 In 2019, the Central Bank of Brazil issued Circular No. 3,930/19 and Circular Letter No. 3,936/19, which enacted, from January 1, 2020, new rules for the Dissemination of the Pillar 3 Report – Market Discipline, meeting the recommendations of BCBS. On January 1, 2021, BCB Resolution No. 54/20, as restated by BCB Resolution No. 328/23, which provides for the dissemination of the Pillar 3 Report, entered into force and replaced the provisions of Circular No. 3,930/19.
 As of December 31, 2024, our Basel ratio was 14.8% of the total assets weighted by risk, higher than the level of 11.5% required by the Central Bank of Brazil. It is worth noting that the regulations regarding the list of instruments that are part of, or subtracted from, the Common Equity, the Additional Equity or the Tier II Capital, may be reviewed by the Central Bank of Brazil. In terms of capital, the combined effects of the implementation of CMN Resolution No. 4,966/21 and the new approach to operational risk will contribute to