Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 36

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 36
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 that are already expanding in the Brazilian markets may act in a regulated manner and independently from a
financial institution already constituted, as an SCD or SEP. The process of obtaining authorization for the operation of the SCD, SEP
and SCMEPP has fewer requirements than those of a multiple bank; in contrast, these entities have a more limited scope of action.

In June
2020, the CMN enacted Resolution No. 4,822/20, regulating the joint-guarantee society and the counter-guarantee society, provisioning
on the constitution, organization and functioning of these societies, introduced by Complementary Law No. 169/19. The joint-guarantee
society has as its main objective the granting of guarantees in favor of its participating members in the context of loans contracted
by them, and counter-guarantee societies, in turn, is aimed at granting the counter-guarantee to joint-guarantee societies.

| 36 – Reference Form – 2024 |

| 1. Issuer’s activities |

Subsequently,
in November 2022, the CMN issued Resolutions No. 5,046/22, No. 5,047/22, No. 5,050/22 and No. 5,051/22, which provision, respectively,
on the Organization and operation (i) of investment banks, (ii) of development banks, (iii) of direct credit companies (SCD and peer-to-peer
lending (SEP in Portuguese), (iv) as well as credit unions.

Through
Resolution No. 5,050/22, which revoked Resolution No. 4,792/20 and Resolution No. 4,656/18, the CMN began to provision on the Organization
and operation of a direct credit company and a peer-to-peer lending company and regulate the execution of loan and financing operations
between peers through an electronic platform.

Open Finance

Open Finance
is seen as one of the ways of fostering innovation and competition. The implementation of its regulatory was instituted by Joint Resolution
No. 01/20, enacted by the Central Bank of Brazil and the National Monetary Council, with the aim to stimulate innovation, promote competition,
increase the efficiency of the National Financial System and Brazilian Payment System and promote financial citizenship. For this purpose,
it establishes that standards of systemic integration between participant institutions must be adopted.

Institutions
authorized to operate by the Central Bank of Brazil assume the following roles as participants in Open Finance:

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