Customers at the core of our decisions
That is why we are present where and when they need, providing solutions aligned with their goals and needs. We are always connected to market trends and behavioral changes, aiming to deliver the best experiences.
Hyper-personalization for Customers
- Data Intelligence
- Data-Driven Culture
- Specialization in each Segment
- State of the art technology
Continuous learning, increasingly more humanized
Understanding the client's mood during interactions and generating insights
Interactions
Customization
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346
Startup and 43 large companies
Community members.
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13
Proofs of concept
Initiatives tested with business, technology, and R&D areas—including experiments that did not move forward—the lessons from which form part of the cycle’s deliverables.
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9
Emerging Technologies
Evolution of Bradesco’s technological readiness in the following areas: AML for LLMs, Graphs, Multi-agents, stablecoins, AI for blockchain, Synthetic Data, Quantum Computing, Observability, and Quantum Key Distribution.
Time-to-market, New Businesses, and Scalability
To accelerate digital transformation and quickly meet market demands, Bradesco adopts a robust multi-cloud strategy, leveraging the best of different cloud providers to ensure flexibility, security, and resilience. By using cloud-based solutions, our processes gain efficiency and real-time responsiveness. Additionally, through partner integrations via APIs, we expanded our digital ecosystem and created customized journeys for our customers, delivering innovative and connected solutions tailored to current needs.
inovabra
inovabra, Bradesco’s innovation ecosystem, connects and accelerates solutions that transform the market. Its operations are organized into three complementary fronts: innovation—connecting startups, large corporations, and technology partners to generate business; technological readiness—evaluating emerging technologies, guiding experimentation, and supporting their adoption; and the development of use cases with Bradesco’s business units, with a focus on results and impact for the organization.Bradesco Expresso: the largest correspondent network in Brazil
Simplified journeys, digital enrollment, Banks personalized offers and experiences.
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38.4 thousand
Correspondents
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+32%
Credit Granted 3Q26 vs. 2Q26
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+23%
Consortium Volume 3Q26 vs. 2Q26
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+6%
Insurance Sold 3Q26 vs. 2Q26
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+29 million
Transactions/month
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+4 million
INSS beneficiaries/month
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Increase in Customer FlowThe partnership with Bradesco Expresso increases the flow of customers visiting Correspondent locations
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Self-managementPerformance tracking, user registration and changes to passwords performed autonomously by the partner. Providing enhanced security, transparency in management and customer relations
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PersonalizationWide portfolio of products and services with offers tailored to clients' needs
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SocioeconomicThrough Bradesco Expresso, the client uses their financial resources within their own municipality, promoting increased local economic development by encouraging spending within regional businesses
Product Portfolio
Accounts Opening
Payroll-Deducted
Loans
Personal Loans
Consortium
Insurance
Bill Payments
Deposits and Transfers
and 26 other products and services
Physical Presence
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Midwest
8.6%14.4%
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North
9.2%17.3%
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Northeast
26.1%18.3%
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Southeast
42.6%13.4%
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South
13.5%9.2%
D – % Network Distribution
M – % Market Share
Grand Cayman Branch
Main Regulatory Bodies: CIMA – Cayman Islands Monetary Authority / FRA – Financial Reporting Authority . Consolidated presence as an offshore branch for over 40 years
Main Activities:
- Bradesco’s main access to the International Capital Market.
- Foreign Trade Financing.
- International Treasury.
Address: 71 Fort Street, 5th Floor, Athena Tower, Georgetown, Grand Cayman
Phone Number: +1(345)945-1200
Swift: BBDEKYKY
Bradescard México, S. de R.L
Main Regulatory Bodies: PROFECO – Procuraduría Federal del Consumidor, CNBV – Comisión Nacional Bancaria y de Valores
Main Activities:
- Credit card issuance in association with the main commercial networks.
- Provide electronic payments, services and credit solutions.
Address: Avenida Camino al ITESO Nº 8310, Col. Parque Industrial del Bosque 1, Tlaquepaque, Jalisco, México. C.P. 45609
Phone Number: +52(33)3884-2300 – Ext.: 2478
Website: https://www.bradescard.com.mx/
Bradesco Bank and Subsidiaries (Bradesco Investments Inc. / Bradesco Global Advisors Inc. / Representaciones Administrativas Internacionales, S.A. – RAISA)
Main Regulatory Bodies: SEC – Securities and Exchange Commission, FDIC – Federal Deposit Insurance Corporation, FINRA – Financial Industry Regulatory Authority and FLOFR – Florida Office of Financial Regulation
Main Activities:
- Private Banking and Wealth Management.
- Personal and Commercial Banking.
- Corporate and Institutional.
- Real Estate Financing.
- Retail and Institutional Brokerage Services and Investment Advisory Services.
Address: 3011 Ponce de Leon Boulevard, PH1, Coral Gables, FL33134
Phone Number: +1(305)789-7000
Swift: BFLBUS3M
Website: https://www.bradescobank.com/
New York Branch
Main Regulatory Bodies: OCC – Office of the Comptroller of the Currency
Main Activities:
- Development and expansion of business relationship with Corporate and Financial Institutions in North America.
- Fund-raising in the capital and interbank market.
- Foreign Trade Financing.
Address: 450 Park Avenue 32nd Floor | New York, NY 10022
Phone Number: +1(212)688-9855
Swift: BBDEUS33
Bradesco Securities, Inc.
Main Regulatory Bodies: FINRA – Financial Industry Regulatory Authority / SEC – Securities and Exchange Commission
Main Activities:
- Distribution of public and private securities to international investors.
- Intermediation of purchase and sale of equity securities , primarily in the form of ADRs and Brazilian local shares.
- Broker for Eurobonds, Commercial Paper, Certificates of Deposit, and others fixed income securities.
Address: 450 Park Avenue – 32nd Floor – New York, NY 10022 – USA
Phone Number: +1(212)888-9142
Bradesco Securities UK Limited
Main Regulatory Bodies: FCA – Financial Conduct Authority
Main Activities:
- Connecting institutional investors in Europe to Latin America.
- Selling of regional equity and fixed income transactions (IPO’s, Secondary Offerings, etc.).
- Marketing and distribution of proprietary equity and fixed income research.
- Intermediation of equity and fixed income products.
- Trading of Bonds, Commercial Paper, Certificates of Deposit, and others.
Address: The Empress Building, 35 Dover Street, 9th Floor, London W1S 4NQ, UK
Phone Number: +1(212)888-9142
Banco Bradesco Europa S.A.
Main Regulatory Bodies: CSSF – Commission de Surveillance du Secteur Financier / EBA – European Banking Authority / ECB – European Central Bank / ESMA – European Securities and Markets Authority / BCL – Banque Centrale du Luxembourg
Main Activities:
- Private Banking and Wealth Management
- Corporate Banking
- Trade Finance
- Treasury
Address: 15 John F. Kennedy, L-1855 Luxembourg
Phone Number: (+352)2541311
Swift: BBDELULL
Website: https://www.bradescoeuropa.eu/
Hong Kong Representative Office
Main Regulatory Bodies: HKMA – Hong Kong Monetary Authority.
Main Activities:
- Prospection of customers and businesses opportunities for Banco Bradesco.
- Carrying out local market activities, such as advertising, marketing campaigns and customer visits.
- Acting as a communication channel between potential customers located in Asia and Banco Bradesco customers in Brazil.
Address: 3516, Two International Finance Centre, 8 Finance Street
Phone Number: +852-9863-5633
Bradesco Securities Hong Kong Limited
Main Regulatory Bodies: SFC – Securities and Futures Commission of Hong Kong
Main Activities:
- Connecting institutional investors in Asia and the Middle East to Latin America from Hong Kong since March 2011.
- Offering institutional equity sales and fixed income sales.
- Dedicated to Asia, and located in Asia’s leading financial hub with access to all other financial centers of Asia and the Middle East.
Address: Suite 3516, Two International Finance Centre, 8 Finance Street Central, Hong Kong SAR
Phone Number: +852-2133-8820
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1,741
Branches
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1,645
Service Points
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38.033
Bradesco Expresso
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Branches
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Subsidiaries
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Representative Office
1 – Clientes pessoa física ou jurídica consumidores de produtos da Organização Bradesco e que não possuem conta corrente. Data de Referência: September/25
Reference date: Sep/26.
Investor Relations