Company: BBD
Filing Date: 2025-03-31
Form Type: 20-F
Source: 0001292814-25-001244
Chunk: 35

Company: BANK BRADESCO
Filing Date: 2025-03-31
Form: 20-F
Item: Item 3
Chunk 35
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 proceedings arising due to certain actions by
            third parties related to corruption, money laundering and terrorism financing (ML/TF).        
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·   Third parties may use us for criminal activities without our knowledge, which could expose us to additional
                             liability and could have a material adverse effect on us.                         
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·   We may suffer losses due to employee misconduct.
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·                 The Brazilian government regulates the operations of Brazilian financial institutions and insurance companies.             
    Changes in existing laws and regulations or the imposition of new laws and regulations may negatively affect our operations and revenues.
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·   We are subject to regulation on an individual and a consolidated basis and may be subject to liquidation
                                    or intervention on a consolidated basis.                                
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·   The Brazilian Constitution previously established a ceiling on loan interest rates. If the Brazilian government
      enacts new legislation with similar effects in the future, our operating results may be adversely affected.  
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·            Any substantial increase or decrease in the interest rate ceiling could have a material effect on our         
    financial condition, our operating results or on the prospects of financial institutions based in Brazil, including us.
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·   We may incur penalties in case of non-compliance with data protection laws.
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·                            The Brazilian Supreme Court (“STF”) and Brazilian Superior Court (“STJ”) of                         
    Justice are currently deciding cases relating to the application of inflation adjustments during periods of hyperinflation in
                                      Brazil, which may increase our costs and result in losses.                                 
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·   As the regulatory framework for artificial intelligence and machine learning technology evolves, our business,
                         financial condition and operating results may be adversely affected.                     
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·   The increasingly competitive environment in the Brazilian banking and insurance segments may have a negative
                                         impact on our business prospects.                                      
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·                Potential need to provide financial support for related entities, either due to insufficient capital and/or             
    liquidity, relevant operational problems and dependence on services rendered by suppliers/partners may negatively impact our business
                                                                 performance.                                                            
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8 – Form 20-F 2024 | Bradesco
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·   Failure to adequately protect ourselves against risks relating to cybersecurity could materially and adversely
                                                      affect us.                                                  
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·   We provide financings for projects carried out by clients which may result in negative socio-environmental
              impacts which, in turn, could negatively affect our operating results and reputation.