Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 130

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 4
Chunk 130
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, and business perspectives. Our analysis includes
                                the applicant, its parent company/subsidiaries, and the type of business; and                            
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Ø                  our analysis also extends to socio-environmental risks for projects that require clients to show compliance                
    with socio-environmental regulations and the Equator Principles, consisting of socio-environmental criteria as conditions for loans, which
                     were introduced in 2002 by the International Finance Corporation (IFC), the World Bank’s financial arm.                  
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·   Collection and Loan Recovery
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 We have a department that focuses on the collection and recovery of loans, seeking to reduce the rates of delinquency and losses, as well as to maintain our relationship with clients. By using our own algorithms, updated periodically, with separate debtors according to levels of risk and likelihood of payment, our collection strategies are more efficient.
 Collection occurs through our network of branches, call centers, digital channels, and friendly and judicial collection offices. In addition, specialized regional teams tailor their operations and submit significant cases to the corresponding authority levels in the Commission or Executive Committee for Collection and Credit Recovery, respecting the governance of the established authority level. Once the usual means for loan recovery have been exhausted, we periodically perform sales of delinquent loans through auction processes in order to optimize all means of resources and collection.
 
4.B.30.01-02.03 Cash Management Solutions
 
Ø                              Management of accounts payable and receivable – In order to meet the cash management needs                           
        of our clients in both public and private sectors, we offer a broad portfolio of high-quality products and services of accounts payable     
       and receivable, supported by our network of branches, banking correspondents, digital channels and the Bradesco App, all of which provide    
    more speed, stability and security for client data and transactions. Our solutions include receipt and payment services and resource management,
                    enabling our clients to pay suppliers, salaries, and taxes and other levies to governmental or public entities.                 
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 These solutions, which can also be customized, facilitate our clients’ day-to-day tasks and help to generate more business. We also earn revenues from fees and investments related to collection, check custody, credit order, and payment processing services, and from funds in transit received up to the date of their availability to the related recipients.
 Our clients have the flexibility to perform Pix transactions through Mobile banking and Internet banking, including Pix options with loans. In addition, they can rely on