Investor Relations

Mobile for Individuals:

The Bradesco app is the main channel used by clients,  thanks to the convenience and security it provides. There are over 26.9 million active clients, reflecting a growth of 1.4 million users in the last year (September 2024 compared to September 2023).

Our goal is to keep clients at the heart of our decisions, expanding and diversifying our products, services and digital solutions.

Our decisions are always based on clients’ needs, with the goal of consistently delivering the best experiences possible.

3Q24 Highlights

• Bradesco Home App | By listening to our clients’ feedback, we have developed the app even further. As well as a new design, the home page has a new favorites area, quick access to the main navigation shortcuts, and much more. All this making the overall experience smoother, more straightforward and user-friendly.
• Balance and statement journey | With a totally revamped design, the balance and statement area displays all deposits and withdrawals, making it easy to view the account activity. The redesign also includes features such as the ability to download PDF statements and use a search function to filter transactions by time period.

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 be part of our clients’ daily routines.

It assists users by answering key questions, carries out banking transactions, checks balances, provides access up to 10 years of statements, account limits, future entries, receipts of fund transfers made through the Brazilian Instant Money Transfer System (PIX), searches for nearby branches and sends notifications on suspected credit card fraud and fraudulent PIX transactions.

In addition to these initiatives, our AI is now even more complete and has transitioned into generative artificial intelligence, becoming even closer to clients and participating in their routine as a personal assistant.

Best Experience

Through user questions, BIA assesses the best response in real time, interacting in a humanized way, and conducting the first step of the customer service journey using Fone Fácil Bradesco, Bradesco’s telephone customer service channel, providing the best experience across 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.

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.

We are one of the few Brazilian companies to have our own domain (banco.bradesco), which is a generic top-level domain (gTLD) – an initiative launched 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 3Q24 on multiple fronts, including:

• A new debt renegotiation experience in our Corporate Mobile platform will now be offered to clients using CRM. In addition, clients will be able to access specialized WhatsApp and/or Chat services on the Corporate Mobile platform. This set of services significantly enhances our ability to assist our clients.

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, self-service machines aim to make our customers’ daily lives easier, with capillarity and intuitive journeys.

There are currently more than 40 thousand active machines, distributed between the Own Network (16,441) and the Shared Network – Banco24Horas (23,777) . All machines are equipped with a biometric reader, for greater security and convenience in transactions with and without a card.

Our self-service network has recycling machines for greater efficiency and cost reduction. Today, there are 7,453 machines that operate with bill recycling in the Own Network, which allows cash deposits with immediate credit in the beneficiary’s account.

Since 2022, the cash deposit service without using an envelope has been made available in 3,515 Banco24Horas machines.

Aiming at sustainability, the channel offers check deposits without the need for envelopes and also the sending of receipts by email.

With our customers’ experience in mind, we have disruptive features, such as the purchase of dollars and euros (with more than 105 machines ) – with a representative share in Exchange operations. In 2021, we implemented the Virtual Safe, in which the customer has the autonomy to purchase foreign currency through the Bradesco App and withdraw it at self-service machines, which reinforces our end-to-end approach. to provide the customer with the best experience at all points of interaction.

Furthermore, since 2020, attorneys have gained more autonomy in the transactions of individual clients, with the possibility of accessing self-service machines, allowing them to carry out transactions intuitively and securely through biometric registration and a unique 6-digit password. This project won the Smart 2023 Award.

We have been providing self-service for over 52 years and are constantly seeking to evolve, so that we can keep our machines active wherever the customer needs them.