Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 126

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 126
---
 credit 
 origination and a credit mix with a lower share of mass credits and a greater share in loan portfolios lower risk.                       |

Projections for 2022

| Indicators                                                              | Observed      | Estimated              |
| Expanded Loan Portfolio                                                 | 9.8%          | 10% to 14%             |
| Client NII                                                              | 22.0%         | 18% to 22%             |
| Fee and Commission Income                                               | 4.7%          | 4% to 8%               |
| Operational                                                             
 Expenses                                                                
 (Personnel                                                              
 and Administrative Expenses + Other Operating Expenses)                 | 4.7%          | 1% to 5%               |
| Income from Insurance, Pension Plans and Capitalization Bond Operations | 28.9%         | 18% to 23%             |
| Expanded Loan Loss Provisions                                           | R$32.3        
 bi            
 R$27.4 bi (1) | R$25.5 bi to R$27.5 bi |

(1)
Disregards the impact of a Large Corporate client.

Reasons for deviations in the projections:

| · | Result of Insurance, Pension Plans and Capitalization Operations – Improvement in operational 
 performance, favored the growth of Insurance, Pension Plans and Capitalization operations.    |

| · | Expanded Loan Loss Provisions – We considered a Loan Loss Provision for 100% of the risk                                                 
 of a Large Corporate client in December 2022, we remained above the guidance, disregarding the impact of this client, we would be at the 
 top of the range estimated for the year.                                                                                                 |

| c) | Projections relating to ongoing periods |

The projections were disclosed for the ongoing period, which were informed in item 3.1 of this Reference Form.

| 108 – Reference Form – 2024 |

| 4. Risk factors |

4.
Risk factors

4.1
– Description of risk factors in descending order of relevance

Below
are the main risk factors that Bradesco considers relevant, on the date of this Reference Form, and that could influence the decision
of investment. If they materialize, these risks could have an adverse effect on our business, our financial situation and equity, and
the price of our securities. Therefore, possible investors could evaluate the risks described below thoroughly, as well as other information
contained in this Reference Form.

We observed
that the risks described below are not