Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 34

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 3
Chunk 34
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Summary of risks relating to us and the Brazilian banking industry
 
·                    Our trading activities and derivative transactions, as well as investments in financial assets at fair                
    value through profit or loss and at fair value through other comprehensive income, are not predictable and may cause material financial
                                    loss, which could lead to a significant impact on our operating results.                               
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·   We may experience increases in our level of past due loans as our portfolio of loans and advances becomes
                                                  more seasoned.                                             
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·   We may incur losses associated with counterparty risk exposure.
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·   We may face significant challenges in gaining possession of, and realizing value from, collateral with
                                         respect to loans in default.                                     
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·   We may incur losses due to impairment of goodwill from acquired businesses.
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·   A downgrade of our ratings may adversely affect our funding cost, our access to capital and debt markets,
                            our liquidity and, as a result, our competitive position.                        
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·                     Adverse conditions in the global credit and capital markets, as well as the value and/or perception of                  
    the value of Brazilian government securities, may adversely affect our ability to access funding in a cost-effective and/or timely manner.
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7 – Form 20-F 2024 | Bradesco
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·   Changes in regulations regarding reserve and compulsory deposit requirements may reduce operating margins.
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·              Adverse developments affecting the financial services industry, such as events or concerns involving liquidity,           
    defaults, or non-performance by financial institutions or transactional counterparties, could adversely affect our ability to finance
                                                                 our assets.                                                             
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·                 Our losses in connection with insurance claims may vary from time to time. Differences between the losses              
    from actual claims and underwriting and reserving assumptions and the related insurance liabilities may have an adverse effect on us.
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·   We are responsible for claims of our clients if our reinsurers fail to meet their obligations under the
                                             reinsurance contracts.                                        
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·   A failure in, or breach of, our operational, security or technological infrastructure and systems, or
             those of our suppliers, could temporarily interrupt our businesses and cause losses.        
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·   The loss of members of senior management, or our ability to attract and maintain key personnel, could
                                    have a material adverse effect on us.                                
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·   Financial institutions, like us, may be subject to legal