Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 398

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 19
Chunk 398
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 Consolidated companies.

2The Risk Committee, in relation to the
RAS, has the following attributions: to assess the risk appetite levels set out in the Risk Appetite Statement (RAS) and the strategies
for its management, taking risks into account individually and in an integrated manner; and b) to supervise compliance, by the institution’s
Board of Executive Officers, with the terms of the RAS.

Dimensions of Risk Appetite

For the many types of risks, whether measurable
or not, the Company established control approaches, observing the main global dimensions: Solvency, Liquidity, Profitability, Credit,
Market, Operational, Cyber Security, Social, Environmental, Climate, Reputation, Model and Qualitative Risks.

Risk and Capital Management Structures

The risk and capital management structure
are made up of several committees, commissions and departments that support the Board of Directors, the Chief Executive Officer, the Chief
Risk Officer and the Board of Executive Officers of the Company in strategic decision making.

Among the governance forums related to
the topic, the following stand out:

  The Board of Directors approves and reviews                                                                                             

  Risk Committee is responsible for assess                                                                                                 

  The Integrity and Ethical Conduct Committee aims to propose actions regarding the dissemination and compliance with the Organization's Codes of Ethical Conduct, corporate and sectoral,  

  The Audit Committee reviews the integrity                                                                                                     

  Integrated Risk Management and Capital Allocation                                                                            

The Corporate Risk and Control Management
methodology is aligned with the main international risk management Frameworks, enabling proactive identification, measurement, mitigation,
monitoring and reported of risks.

Given the complexity of the products and
services offered and the nature of the Organization’s activities, it is necessary to establish a robust risk management structure.
In this context, operations are conducted through the Three Lines Model, ensuring that everyone contributes to providing reasonable assurance
that the specified objectives will be achieved:

  First line, represented by businesses and support areas,                                                                                     

  Second line, represented by oversight areas, responsible                                                                                     

  Third line, represented by Global Internal Audit Department,                                                                               

Stress Test Program

The risk management structure has a stress
testing program characterized by a set of processes and routines, which include methodologies, documentation and governance, whose main
objective is to identify potential vulnerabilities of the institution. In order to comply with the stress testing program, prospective
assessment exercises are carried out on the potential impacts of specific events and circumstances on the capital, liquidity and value
of specific portfolios of the Organization