Investor Relations

Mobile for Individuals:

Bradesco app is the primary channel used by clients, thanks to the convenience and security it provides. Technological acceleration has allowed the mobile channel to become even more relevant, with over 26.7 million active clients, reflecting a growth of 3.6 million users over two years (June 2022 to June 2024).

Based on this expressive growth, we are committed to remaining focused on clients, reinforcing the expansion and diversification of products, services and digital solutions.

We have identified and implemented significant updates by looking at account metrics, data intelligence and quantitative and qualitative research, while making sure our clients are provided security and convenience within the app.

2Q24 Highlights

• New features for Cards: The journey now includes new benefits providing more convenience, autonomy and security for clients:
  • NFC Credit Card (Contactless Payment): Allows you to enable/disable contactless payments for all card brands;
  • Additional Card: Now, a request for an additional card can be made directly in the Bradesco App, providing even more convenience for your daily routines;
  • Expense Dispute: Challenging unauthorized purchases and keeping track of developments has become much easier, all directly through the App;
  • Temporary Blocking: By activating the temporary blocking feature, all purchases made with a physical or virtual card will be declined. Increased agility and security in the palm of your hand.
• Exchange Rate Alert – My Account: Set up the exchange rate alert for the desired Dollar or Euro price. Once the currency reaches a specific rate, the system will send a notification to the user via app.

Artificial intelligence is a hot topic right now, but it’s nothing new to us. BIA – “Bradesco Inteligência Artificial”, or Bradesco Artificial Intelligence – was introduced in 2016 to help make our clients’ daily routines easier.

It assists users by answering key questions, carries out banking transactions, checks balances, account limits, future releases, latest entries, statements up to 10 years old, Pix receipts, searches for nearby branches and sends notifications on suspected fraud.

And now our AI is even more complete and has transitioned into generative artificial intelligence, becoming even closer to clients and participating in their routine as a concierge.

Best Experience

BIA can also be found on the Ágora Investimentos portal, assisting clients in performing transactions on the São Paulo Stock Exchange with information such as buying and selling shares, scheduling orders, subscribing to shares, blocking and checking on limits.

As users send their questions, BIA assesses the best response in real time, interacting in a humanized way. She is also involved in the entire journey starting with first level support using Fone Fácil Bradesco, providing the best experience in many of the Organization’s channels.

These technological innovations are what drive BIA’s ongoing evolution, making it more effective and aligned with the expectations of clients and our commitment to delivering the best customer service.

2Q24 Highlights

• BIA WhatsApp – Debt Renegotiation: A simplified solution for individual account holders to simulate and renegotiate their debts directly through BIA WhatsApp, streamlining the communication and approval process;
• BIA WhatsApp – Bank Slip Payments: Individual account holders can pay their bank slips quickly and safely directly through BIA WhatsApp;
• BIA WhatsApp Cloud Migration – Activation and Benefits: BIA WhatsApp migrated its On-Premise structure to the Cloud to maintain our AI data in the cloud, being able to continue conversations and transactions while helping to improve monitoring and reducing costs.

Internet for Individuals:

Pioneered by us, Bradesco internet banking is a solution with the goal of making financial information available and performing transactions in a simple, practical, and secure way. By entering the name of a segment, niche or product followed by ‘.bradesco’, the client is directed to the page related to what they are looking for.

Having its own domain (banco.bradesco), we stand as one of the few Brazilian companies to have a top-level domain or generic top-level domains (gTLDs) – an initiative by ICANN (Internet Corporation for Assigned and Numbers), the agency responsible for Internet protocols that regulates addresses on the worldwide web.

Our communication platform is divided into two main pillars:

Institutional website (banco.bradesco) – Offering information on financial products and services in a simple and objective way, using tutorial videos to help people better understand the content. It is also possible to sign up for products online from the Organization and from partners, such as Cards, Consortium, Losango, Cielo and others, supporting account holders and non-account holders.

Bradesco Internet banking for financial services – The channel offers more than 500 products and services that assist clients in their routine activities, such as checking account statements, investments, transfers, Pix, and much more. It can be accessed through a password and Security Key for account holders, and by CPF (Individual Taxpayer Registry No.) and password for non-account holders.

Net Empresa – Corporate (PJ) Digital Platform

The Bradesco Net Empresa Digital Platform is a set of digital solutions for all sectors of Corporate clients, from individual microentrepreneur (MEI) to Wholesale.

In our never-ending pursuit to provide clients with the best offers, there was significant progress in 2Q24 on multiple fronts, including:

• Expansion of synergies with conglomerate companies: we make Cielo’s products/ services available for purchase through a mobile platform designed for business clients. Clients can now choose the plan and offer best suited to their needs, monitor the delivery of equipment and manage sales and receipts for their business in Cielo’s applications;
• Convenience for digital support: clients in the Individual microentrepreneur (MEI) segment can now further explore the possibilities of digital channels combined with humanized support through digital chat available on Corporate Mobile. Clients can use this channel to clear up any uncertainties they might have and sign up for products and services that suit their profile, all with the convenience that digital channels offer;
• CDB DI (CDI Bank Deposit Certificate) and CDB Escalonado (Escalated Bank Deposit Certificate) (progressive rate) with automatic write-off and daily remuneration, allowing clients to make investments that can be redeemed immediately in case of unforeseen events;
• Credit card bill installment Payment options. Corporate clients can now choose how many installments they wish to pay their bill, giving them more flexibility in managing their finances.

Fone Fácil Bradesco provides to the clients call center services supported by high technology and excellence. By means of electronic services, it is possible to carry out financial services, purchase products, obtain information and also check and perform transactions, such as paying bills, making bank and interbank transfers, taking out loans, and making investments, among others.

The Electronic Service is available 24 hours a day, 7 days a week, and counts on a sophisticated system that interprets the requests of clients by voice command, offering convenience, comfort and security.

In Personalized Service, available Monday to Friday, from 7 a.m. to 10 p.m. and on Saturdays from 9 a.m. to 3 p.m., we count on highly qualified financial experts, providing the best experience to the client. Emergency services such as cancellations due to fraud/scam and theft of cards and/or cell phones, are available through our personalized customer assistance line, 24/7.

Focusing on innovation, evolution and availability, the self-service machines are intended to facilitate the daily lives of our clients, providing capillarity and intuitive journeys.

There are now more than 41,000 active machines, distributed between Own Network (17,268) and Banco24Horas’ Shared Network (23,880). All machines are equipped with a biometric reader, providing boosted security and convenience in transactions with and without a card.

Our automated banking services network includes recycling machines for greater efficiency and a reduction in costs. Today, there are 7,768 machines that recycle banknotes in the Rede Própria, which allows cash to be deposited and immediately credited to the recipient’s account.

Since 2022, the envelope-free cash deposit service has been made available on 3,587 Banco24Horas machines.

With a view towards sustainability, the channel offers a way to deposit checks without needing to use envelopes, while also sending of receipts via email.

With our clients’ experience in mind, we have innovative features such as buying dollars and euros – in more than 110 machines – with a representative participation in Foreign Exchange transactions. In 2021, we implemented the Virtual Vault, providing the client with the autonomy to purchase foreign currency through the Bradesco App and withdraw it from ATM machines, which reinforces our end-to-end look to promote the best experience for the client at all points of interaction.

In addition, since 2020, proxies have much more autonomy in transactions of individual clients and can access self-service machines. They can also perform transactions in a safer and more intuitive way through biometric registration and an exclusive 6-digit password. This project won the 2023 Smart Award (Prêmio Smart 2023).

There have been over 52 years of self-service and continual efforts towards evolving, so that we can keep our machines active wherever clients need them.