Company: BBD
Filing Date: 2025-10-30
Form Type: 6-K
Source: 0001292814-25-003700
Chunk: 4

Company: BANK BRADESCO
Filing Date: 2025-10-30
Form: 6-K
Chunk 4
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cios), developed in cloud, offers services focused on the
financial management of small businesses, with integration with BIA for intelligent customer service. We delivered full journeys for payments,
schedules, overdraft changes, proof sharing and direct debit, all accessible and monitored. We also evolved Corporate credit with Pronampe
and Procred, contracted for MEI (Individual Microentrepreneur) via Android and white label digital solutions for consortia. The activation
and recovery journey of the M-Token gained autonomy in the App, eliminating faceto- face steps, and BIA started sending proactive alerts
against fraud in payment slips and TEDs, preventing scams and ensuring more security. The quarter was also marked by the advancement of
the Agile@Scale model, with the launch of eight new squads co-managed between technology and business, oriented to client journeys. This
structure strengthens integration, increases team autonomy and accelerates the delivery of digital solutions. Since the beginning of the
Change movement, we have achieved a reduction of almost 40% in the lead time and a 37% improvement in productivity, showing robust efficiency
gains. BRADESCO | Management Report | Consolidated Financial Statements in IFRS 5 Products and services for the public sector Exclusive
structures serve the Public Sector throughout the country with Business Managers trained to offer products, services and solutions with
quality and security to the Executive, Legislative and Judicial branches, federal, state and municipal authorities, as well as municipalities,
public foundations, state-owned and mixed capital companies and the Armed and Auxiliary Forces. Every month, more than 10.9 million retirees
and pensioners of the INSS receive their benefits at Bradesco, making it the highest payer among all the banks in the country. We have
nine Specialized Structures to assist governments, state capitals, courts, chambers, public prosecutor’s offices, public defender’s
offices, and the Brazilian municipalities with the highest GDP. We also have 30 Retail Structures serving other municipalities and bodies.
Find out more on bradescopoderpublico.com.br. People, Culture & Performance Human Capital is one of the strategic pillars of the Organization,
as an important foundation for conducting business. Our Human Capital Management model is based on respect, transparency and continuous
investment in employee development. We keep our teams motivated through career growth opportunities, recognitions, training, remuneration
and differentiated benefits, as well as valuing diversity and the balance between professional and personal life. Much more than policies
and practices,