Company: BBD
Filing Date: 2025-05-30
Form Type: 6-K
Source: 0001292814-25-002283
Chunk: 151

Company: BANK BRADESCO
Filing Date: 2025-05-30
Form: 6-K
Chunk 151
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ts of a civil nature (such as lawsuits related to indemnities). On August 21, 2024, STJ’s Special Court concluded the trial and
decided that the SELIC rate should be applied to adjust civil obligations (decision still subject to appeal).

In addition
to the decision of the STJ, on July 1, 2024, Law No. 14,905, of June 28, 2024 (“Law No. 14,905/24”), which amended several
important provisions of the Civil Code and established that, if there is no interest rate agreed between the parties or provided for in
a specific law, the following shall apply: (i) the monetary adjustment will be applied considering the variation of the IPCA index, calculated
and published by the Brazilian Institute of Geography and Statistics (“IBGE”), or the index that replaces it, as applicable;
and (ii) the legal interest will be applied considering the SELIC reference rate minus the index considered for monetary adjustment (i.e.
SELIC - IPCA), provided that CMN Resolution No. 5,171/24, of August 29, 2024 is observed, as to the methodology of calculation of the
legal rate and its application. If the calculation in item “(ii)” is negative, no interest will be applied. However, such
a legal provision does not apply to banking transactions, as a result of the fact that there is always an express agreement of interest
rates.

| i) | foreign countries where the issuer operates |

The
risks to which our offices abroad are exposed are not characterized as relevant insofar as they generate significant impacts that could
influence our decision of investment.

There
is a proviso that the operations of our Offices Abroad are supported by policies, standards and procedures issued by the Organization.

| j) | social issues |

Loan
operations, part of our group of clients, can impact social issues such as the use of slave-like labor, child labor or forced labor, impacts
on traditional lands and people and occupational health and safety, among other points, which are liable to credit limitation, termination
of contracts and limitation of opening new contracts.

| 123 – Reference Form – 2024 |

| 4. Risk factors |

| k) | environmental issues |

We provide financing of projects carried out by clients which can result in negative socio-environmental impacts that, in turn, can negatively affect our operating income and reputation.

We promote
loan and