Bradesco

Internal Audience

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• Highlights
• Message from the Presidency
• Organization Profile
• Sustainability View
  • Banco do Planeta (Bank Of The Planet)
  • Social - Environmental Responsibility
  • Sustainable Finance
    • Risks And Opportunities
    • Products Committee
    • Credit And Development
• Economic Performance
• Relationship with Stakeholders
• Stockholders and Investors
• Clients
  • A Bradesco For All
  • Accessibility
  • Ombudsman
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• Internal Audience
  • Valuing People
  • Integrated Staff
  • Ethics on the everyday routine
  • Diversity And Inclusion
  • Internal Communication
  • Occupational Health And Safety
  • Benefits
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  • Sponsorships
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  • Development Agent
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• Environment
  • From Eco-efficiency To Awareness
  • External Actions
• Fundação Bradesco
• Finasa Esportes
• Social Report – Ibase

As an attempt to expand its client base, Bradesco's key concept - built into its commercial strategy ever since its foundation - is to be a bank "whose doors are open" to all Brazilians, which translates into including people and businesses in the banking system, keeping an outstanding position in each of the lines of financial services and products it offers in the market. Thus, the Organization consolidates its image of "first bank", or the first option for those seeking banking services.

New frontiers

When it makes the decision of opening new branches, Bradesco aims at providing clients and potential clients (users) with the maximum accessibility and convenience. In this process, it develops a detailed review of the market potential, and maps regions, based on social-geographical information, so as to identify new commercial opportunities and the specific needs of each location. This strategy's goal is to expand the service channels and promote banking inclusion.

In order to service our large client base – over 18 million account holders -, we have created a banking Service Network which has become a benchmark in Brazil. In 2007, another 136 branches were inaugurated, totaling 3,143, distributed throughout the whole country, which has significantly increased the capillarity of our presence.

Present in almost all 5,560 Brazilian municipalities, Bradesco's outlets are installed even in communities where not long ago the population had no access to the banking system, and in certain locations where the offer of these services was not enough to meet the community's potential for banking access.

Cidade Tiradentes, a neighborhood in the eastern side of the city of São Paulo, is a good example of the presence of Bradesco in populous and impoverished areas. Considered the largest popular residential complex in Latin America, with nearly 40 thousand houses, the region has a bank branch, which was inaugurated in February 2007.

In May 2007, Bradesco opened a branch in the Rocinha community, in southern Rio de Janeiro, which is one of the most impoverished regions of the city. Nearly 130 thousand people live or have some sort of commercial activity in Rocinha, which is the country's largest slum.

These are initiatives aiming at democratizing access to credit and promoting local development, helping create jobs and generate income for the population.

Bradesco is also present in other countries, such as Argentina, Japan and the United States, with Branches or Subsidiaries, with the primary goal of offering foreign trade and exchange products and services.

In 2007, in London, England, we opened a unit of Bradesco Securities, a brokerage firm linked to Banco Bradesco BBI. This branch specializes in the so-called broker dealer, that is, it deals with the distribution of securities of Brazilian companies overseas for international investors.

In addition to this structure, clients count on Fone Fácil Bradesco – phone service – and Bradesco Internet Banking. The combination of these channels integrates the commitment of being a complete bank, always accessible, anytime, anywhere.

Spread-out Network

Banco Postal and Bradesco Expresso allow for Bradesco to intensify its banking inclusion strategy, since they service millions of Brazilians throughout the whole country, especially low-income people living in remote regions.

Banco Postal is located in over 5 thousand Brazilian municipalities, with 5,821 Branches in operation up to 2007. Nearly 1.7 thousand of these branches were implemented in locations which had no banking service until then, allowing for the opening of over 7 million accounts. Service is provided inside the Correios branches and includes basic operations such as opening a current account, paying bills, wire transfers, withdrawals, loans and financings, and clients do not need to travel to nearby municipalities.

Through Bradesco Expresso, another important and numerous portion of the population has access to the same banking services, this time offered by partners such as supermarkets, drugstores, retailers, department stores, and other types of stores. In all, there are over 11.5 thousand outlets throughout the country, servicing 19.4 million people.

Popular credit

In order to facilitate access to credit, especially for the D and E classes, which according to the Brazilian Statistics Bureau (IBGE) represent 26% of the country’s population, Bradesco has maintained strategic partnerships with several retail chains for the past years. One of the highlights is the partnership with Casas Bahia, whose growth in the past decade made it a global example of commerce. Other partners with operations in several regions of the country are Eletrozema, Grabriella, Grupo Ponte, Dudony, Facilar, Socic and Microsoft. In 2007, Bradesco allocated nearly R$2 billion to the funding operations of these companies.

Still in the popular credit segment, the Bank offers Private Label cards in partnerships with networks of stores which sell home appliances, foodstuffs, clothing, and cosmetics, as well as with drugstore chains. The highlights are the cards issued with Casas Bahia, Comper, Carone, Dois Irmãos, G. Barbosa, Coop, LeaderCard, Esplanada, Luigi Bertolli, Panvel, and Drogasil. This is a means of valuing customers and promoting customer loyalty, as it enables the access to banking products and services, and allows for customers to make installment purchases both at these stores and at other stores. By the end of 2007, these cards’ base totaled 9.7 million units, equivalent to revenues of R$4.1 billion.

Bradesco contributes to the growth in the businesses of its partners, based on sales in installments – an advantage, since most customers of these chains do not have regular incomes and jobs. These trade partnerships also favor the maximization of the synergy of activities among companies, leading to the democratization of the access to credit for the public in general.

Bradesco Seguros e Previdência

Bradesco Seguros e Previdência, Brazil's second-largest insurance company, has operations in the following segments: Vehicles, Elementary Insurances, Health Insurance, Savings Bonds, Life Insurance and Supplementary Retirement Plans. With a broad coverage structure, it covers the whole national territory with Call Centers and Internet services, in addition to counting on Bradesco's network of over 3 thousand branches.

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