Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 142

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 142
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 longevity and pandemics such as the Covid-19 pandemic, which can have a systemic effect on the business (particularly insurance products), or related and economic effects (other insurance products), among others. Therefore, we cannot determine precisely the amounts that we will ultimately pay to settle these insurance liabilities, when these payments will need to be made, or whether the assets supporting our policy liabilities, together with future premiums and contributions, will be sufficient for payment of these liabilities. These amounts may vary from the estimated amounts, particularly when those payments do not occur in a short time period, which is the case with certain of our life insurance products. Accordingly, the establishment of the related provisions is inherently uncertain and our actual losses usually deviate, sometimes substantially, from such estimated amounts. To the extent that incurred losses are less favorable than the underlying assumptions used in establishing such liabilities, we may be required to increase our provisions, which may have an adverse effect on our financial condition and results of our operations.

| 117 – Reference Form – 2024 |

| 4. Risk factors |

d)its managers

We may suffer losses due to employee misconduct.

Our
business is exposed to risk from potential non-compliance with our policies, including our Code of Ethical Conduct, and related behaviors
and employee misconduct such as fraud, negligence or non-financial misconduct, all of which could result in regulatory sanctions and/or
reputational or financial harm. It is not always possible to deter employee misconduct, despite all the precautions we take to prevent
and detect this activity. Employee misconduct could have a material adverse effect on our business, financial condition, operating income,
prospects and reputation.

e)to its suppliers

Eventual need to supply financial support for related entities, whether due to insufficient capital and/or liquidity, relevant operational problems and dependence on services rendered by suppliers/partners may negatively impact our business performance.

As a
result of our relationship with companies that are not part of our group (Prudential Conglomerate) and our investment fund-related activities,
we may have to provide financial support to these entities if they encounter financial difficulties, equity imbalances, reduction in financial
income or insufficient net assets, among other situations. In addition, our reputation may be adversely affected as a result of any adverse
situation that occurs in the entities in which we invest.

Due
to the complexity of some of our services, we may be dependent on supplier/partner relationships or encounter difficulty in replacing
some suppliers/partners. We are also subject to