Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 137

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 137
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 that counterparts will not honor their contractual obligations regarding the settlement of transactions involving
bilateral flows, including the negotiation of derivatives or repo operations. It is necessary to estimate the projected exposures of these
bilateral flows so that it is possible to properly provision, because of the leverage nature of these operations. Such counterparts may
become default due to bankruptcy, lack of liquidity, operational failure or for other reasons, at any time in the term of their operations.

Our risk management structure may not be fully effective.

Our
objective is to fully incorporate the risk management process into all of our activities, developing and implementing methodologies, models
and other tools for the measurement and control of risks, looking to continuously improve them in order to mitigate the risks that we
identify. However, there may be limitations to this risk management framework in foreseeing and mitigating all the risks to which we are
subject, or may in the future become, subject. If our risk management structure is not completely effective in adequately preventing or
mitigating risks, we could suffer material unexpected losses, adversely affecting our financial condition and the expected results of
operations.

We may face significant challenges in possessing and realizing value from collateral with respect to loans in default.

If we
are unable to recover sums owed to us under secured loans in default through extrajudicial measures such as restructurings, our last recourse
with respect to such loans may be to enforce the collateral secured in our favor by the applicable borrower. Depending on the type of
collateral provided, we either have to enforce such collateral through the courts or through extrajudicial measures. However, even where
the enforcement mechanism is duly established by the law, Brazilian law allows borrowers to challenge the enforcement in the courts, even
if such challenge is unfounded, which can delay the realization of value from the collateral. Our secured claims under Brazilian law will
in certain cases rank below those of preferred creditors such as employees and tax authorities. As a result, we may not be able to realize
value from the collateral, or may only be able to do so to a limited extent or after a significant period, thereby potentially adversely
affecting our financial condition and results of our operations.

We may incur losses due to impairments on goodwill from acquired businesses.

We record
the value of goodwill in investment acquisitions, which represents the difference between the fair value of the consideration paid and
the fair value of the acquired assets and assumed liabilities. Annually, we assess the basis and estimates of profitability of