FAQ

Everything is available to you digitally, accessible to both account holders and non-account holders. Forget printed versions — Bradesco offers convenience and efficiency by providing its statements exclusively online.

Bradesco buyback programs are authorized by the Board of Directors and aim at the acquisition of common shares (ON) and preferred shares (PN). The programs are open for up to one year, with the possibility of renewal. Shares bought back are held in treasury and may be canceled or sold later, depending on the company’s strategies. This type of program usually seeks to optimize capital allocation, contribute to increasing share value, and improve the instruments’ liquidity in the market.

To update your registration data in accordance with the instructions of the Brazilian Securities and Exchange Commission (CVM) Nos. 33 and 333, the shareholder must complete the Registration Form (Ficha Cadastral) and gather the documents listed in the checklist available on Bradesco – Digital Documents, under the “Questions” section, and submit them at a branch of their choice.

To access the updated share price quotes of Bradesco, follow this path: Banco Bradesco – Investor Relations > Services > Quotes and Charts. There, you can track price fluctuations in real time, viewing the performance of common shares (BBDC3) and preferred shares (BBDC4), as well as access detailed charts for analysis.

• Common Shares (ON): They grant shareholders the right to vote at company meetings, enabling participation in strategic decisions. However, they do not have priority in dividend distribution.
• Preferred Shares (PN): They do not grant voting rights but guarantee shareholders an additional 10% in interest on equity and dividends compared to common shares, offering a financial advantage.

This balance allows investors to choose the type of share that best aligns with their strategies, whether focusing on direct participation in governance or prioritizing financial returns.

Tag Along rights protect minority shareholders in the event of sale of the control of the company. According to Law 10,303/2001 (Article 254-A of Brazilian Corporation Law), shareholders with voting rights who are not part of the controlling group have the right to sell their shares for at least 80% of the price paid per share of the controlling group.

On December 17, 2003, Bradesco extended this protection to minority shareholders in its Bylaws, ensuring 100% tag along for common shares (ON) and 80% for preferred shares (PN). This ensures that minority shareholders are properly compensated in the event of sale of the company’s control, aligning with the best corporate governance practices.

Bradesco’s dividends and interest on equity can be directly credited to a checking account with any bank participating in the clearing system.

You can purchase Bradesco shares through a brokerage firm, including Ágora Investimentos — a brokerage affiliated with Bradesco — where you can open an account and start investing.

Bradesco shareholders can easily access their share statements (transaction history and dividends paid) through the Bradesco Digital Documents Portal.

Bradesco shares are traded in three different markets, in three distinct currencies. See below:

• São Paulo Stock Exchange (B3 – Brasil, Bolsa e Balcão): Traded in Brazilian Reais (BRL). The tickers are: BBDC3: Common Shares (ON) and BBDC4: Preferred Shares (PN)
• New York Exchange (NYSE): Traded in U.S Dollars (USD) in the form of Level II American Depositary Receipts (ADRs). The tickers are BBD: Preferred Shares (PN) and BBDO: Common Shares (ON)
• Latibex – Madrid Stock Exchange: Traded in Euros (EUR). The ticker is XBBDC.

Bradesco branches do not carry out share purchase and sale transactions. To trade shares, it is necessary to use a brokerage firm, such as Ágora Investimentos, which is part of the Bradesco group.

Consultations to shareholding positions for inheritance purposes at Bradesco must be done by the executor of the estate. To this end, the executor must visit a Bradesco branch with the court-issued executor order and present the following personal documents, namely CPF, ID, and proof of residence.

This process ensures that only the legally authorized individual can access the shareholding information, maintaining security and compliance with legal requirements.

If a Bradesco branch cannot locate your shares, you will need to provide a document proving ownership of the assets, along with your personal identification documents (ID, CPF, and proof of residence). These documents will allow for a detailed investigation of your shareholding position. This procedure is important to ensure that shares are properly registered and all information is accurate.

If you, as a shareholder registered in the Bradesco share registry or custody system, have not received your proceeds, you must visit a Bradesco branch to update your registration details, in order to ensure the receipt of any pending proceeds.

The status of pending processes can be checked directly at the Bradesco branch where the process was initiated.

An American Depositary Receipt (ADR) is a certificate traded in the United States, which represents shares of non-U.S. companies. ADRs facilitate access of U.S. and non-U.S. investors to these shares, allowing trades in U.S. dollars on the American stock exchanges. Additionally, dividends associated with the shares represented by ADRs are paid in U.S. dollars, making the process simpler for investors.

ADRs are generally issued by foreign companies willing to expand access to the U.S. capital markets. These non-U.S. companies opt to issue ADRs to increase their investor base and raise funds in the U.S. market.

Yes, the term “DR” refers to depositary receipts traded in international markets. While ADRs (American Depositary Receipts) are specific to the United States, the DR concept also applies to other global markets. For instance, GDRs (Global Depositary Receipts) enable investors from various countries to trade shares of companies outside of their home countries.

The ADR ratio is the ratio between the number of shares represented by an ADR. Such ratio can vary, and an ADR may represent a fraction or multiple fractions. In the case of Bradesco, the ratio is 1:1 (one to one), that is, each ADR corresponds to a company share.

The depository is a specialized bank playing a crucial role in the management of shares and the facilitation of transactions. One of its main roles is to issue and cancel American Depositary Receipts (ADRs), allowing international investors to easily access the shares of a company. Moreover, the depository keeps an updated record of shareholders and ensures the efficient distribution of U.S. dollar-based dividends. It is also charged with requesting votes from ADR holders and performing strategic activities that strengthen relationship with investors.

American Depositary Receipts (ADRs) offer an excellent opportunity to diversify your investment portfolio with shares of foreign companies. By investing in ADRs, you have access to international markets with no complications.

Additionally, ADRs are traded and settled under U.S. market regulations, with security and transparency. Those opting for exchange-listed ADRs can have real-time information about prices and trades, allowing for more informed and agile investing decisions.

Payments of dividends and distributions in cash referring to our shares backed by ADRs are made directly to the depository bank abroad. Said bank is responsible for transferring the amounts to shareholders within an average period of ten calendar days after the payment date in Brazil.

To keep track of dividend payment history, please access the “Dividends and distributions” section through the links below:

BBD – https://www.adrbnymellon.com?cusip=059460303

BBDO – https://www.adrbnymellon.com?cusip=059460402

Banco Bradesco’s ADRs are traded in some of the main global platforms. They are available both on the New York Stock Exchange (NYSE) and Nasdaq, in addition to being traded on the Over-the-Counter Market – OTC. For detailed information about shares traded on the OTC market, brokers can access the OTC Markets website: www.otcmarkets.com. Trades are conducted by the market maker of each sector.

Since November 21, 2001, Bradesco has successfully listed its preferred ADRs (PN) on the NYSE under the ticker symbol BBD, providing increased transparency to investors, with financial statements under U.S. GAAP and more liquid shares. On March 13, 2012, Bradesco also listed its common ADRs (ON) on the NYSE under the ticker symbol BBDO.

Acquiring an ADR is simple, and you can do so through any broker, just like you would in the U.S. stock market. Simply access the broker of your choice and look for the ticker symbols of Bradesco ADRs, like BBD (PN) and BBDO (ON), to start investing.

If you are an investor with position in the records of the Depository Bank, you can get in touch directly through the following channels:

• Calling from within the United States: 1-888-BNY-ADRS (1-888-269-2377)
• Calling from other countries: +1 201 680 6825
• Email: shrrelations@bnymellon.com

For questions or information on ADRs, you can access the Depository Bank’s website at adrbnymellon.com. If you have specific questions about the settlement of ADRs, contact us directly at: DRsettlements@bnymellon.com.