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Departamento Banco Postal Highlights of Banco Bradesco
� One of the Largest Latin American Private Bank
� The Largest Latin American Insurance Company
� Member of the Dow Jones Sustainability Index
� 22nd Largest Bank in the World (Forbes Global 2000)
� Best Latin American Insurance Company (World Finance)
� Total Assets: R$ 485,686 million (as of 09/30/2009)
� Staff: 85,027 (as of 09/30/2009)
US$ 280,000 million
Departamento Banco Postal
Minimum investment of
R$ 2 million
10 offices
Net income over R$ 6,000
or investment over
R$ 70,000
257 Branches
20 millionCustomers
Varejo 3,058 Branches
6,038 Branches
(Middle Market)
Companies with
revenues between
R$30 million and R$
350 million/year12,184 economic groups(68 Branches)
Groups with revenues
over R$ 350 million/year1,218 groups(11 Platforms)
BradescoPrivate
BradescoCorporate
Individual Customers Companies
Fast, specialized, high quality services delivered to clients grouped according to their income profile
Client Segmentation
BradescoPrime
BradescoEmpresa
Banco Postal
Varejo
Departamento Banco Postal Distribution and Client Base
Branches + PABs 4,6134,613
Bradesco Financiamentos Branches 6464
Banco Postal 6,0386,038
Bradesco Expresso 18,72218,722
Branches/Subsidiaries Abroad 1111
Distribution Total 70.19570.195
ATM Network 37,17837,178
ATM Outplaced Terminals 3,5693,569
Sep 09Sep 09
Checking Account Holders
Savings Account Holders (1)
Insurance Group (2)
Bradesco Financiamentos
20.720.7
35.135.1
30.330.3
4.14.1
Sep 09Sep 09
53.4 million Customers
Client Base (million)
Distribution
Branches
Bradesco Expresso
Banco Postal
Branches
Bradesco Expresso
Banco Postal
(1) Number of accounts (2) Number of Insurance Policies
Departamento Banco Postal Market share
34,1%
21,5%
12,2%
9,5%
7,0%5,2%
3,3% 2,8%2,3%
1,3%0,8%
Bradesco CEF BB Lemon HSBC Itaú-Unibanco
Banrisul Santander SICREDI NossaCaixa
Outros
Source: Febraban
Correspondents – Branches
Departamento Banco Postal
Banco Postal is the brand through which the Brazilian Postal Company- ECT “Correios” acts as Bradesco Correspondent, by offering financial products and services in almost all Brazil’s municipalities.
Public Partnership
Departamento Banco Postal Regulation
Resolutions 3,110 and
3,156 of CMN (Brazilian
Monetary Council)
Correspondents
45 million people
without checking
account
Basic
banking
services
• Department
Stores
• Other retailers
•Post offices
•Lottery kiosks
•Supermarkets
•Drugstores
Departamento Banco Postal
• ECT services, equipment and employees infrastructure
Bradesco Bradesco investments:investments: R$ 450 million.
Public Partnership
Departamento Banco Postal Operating flow
Bradesco Branches
Postal Branches
Photo
Photo
Photo
Image
Bradesco Matriz
Departamento Banco Postal Services offered
Services rendered
• Sending of proposals to open checking accounts
• Withdrawals and deposits
• Bank statements and balances
• Sending of loan proposals
• Sending of credit card proposals
• Payment of bills
• Payment of taxes
Departamento Banco Postal
03/30/00 - Resolution 2,707 and 07/31/03 - Resolution 3,110
Openings
March/2002First branch
June/2002 1,000 Branches
December/2002 2,500 Branches
September/2003 3,000 Branches
December/2003 4,000 Branches
May/2007
5,690 Branches
June/2004 5,000 Branches
Fernando de Noronha
São Francisco de Paula
October / 2009 6.055 Branches
Departamento Banco Postal Customer service network
Banco Postal operates in 5,160 of 5,564 Brazilian municipalities
6,055 branches
3,396 branches
Departamento Banco Postal Transactions at Correspondents
3,5
65,4
45,9
11,0
22,230,1
63,8
55,4
0,0
10,0
20,0
30,0
40,0
50,0
60,0
70,0
dec/02 dec/03 dec/04 dec/05 dec/06 dec/07 dec/08 Jul/09
Million
Monthly volume of transactions
Departamento Banco Postal
Before Banco Postal
• 2,351 municipalities were deprived of bank services.
• 18.7 million people (11% of Brazilian population).
Municipalities deprived of bank services
358 municipalities deprived of banks and ECT branches.
Banking inclusion
After Banco Postal
• 1,763 municipalities with units already inaugurated.
• 14 million people taking advantage of bank services.
Foto interior Ag. Correos
Departamento Banco Postal
Gender
18 to 24 years
40 to 60 years
25 to 39 years
+ 60 years
40%
27%
17% 16%
•55% male
Age
25 to 39 years
18 to 24 years
40 to 60 years
+ 60 years
30%
28%
33% 8%
Municipalities deprived of
bank services
•45% female
General
Profile
Departamento Banco Postal
Clients income profile
Up to 1 minimum wage (US$272)
56%
1 to 3 minimum wages (US$816)
37%
More than 3 minimum wages
7%
Renda %
93% earn income up to 3 minimum wages
Profile
Income
Up to 1 minimum wage
1 to 3 minimum wages
More than 3 minimum wages
Departamento Banco Postal Social inclusion
More than 88% of clients invest in savings account.
100% of clients have debit card.
More than 16% of clients use checkbook.
Around 10 million clients opened checking accounts.
Payment to more than 1.7 million Social Security beneficiaries.
Cachoeira do Arari - ParáDoresópolis - Minas Gerais
Foto interior de la Agencia Foto interior de la Agencia
Departamento Banco Postal
• In 75 municipalities, the only way of access is via boat, ferry, barge or airplane.
AutazesAutazes -- Amazonas Amazonas
140 km away from Manaus 140 km away from Manaus branchbranch
(14 hours of boat)(14 hours of boat)
Breaking barriers
Departamento Banco Postal
Santa Rosa do Purus - Acre
500 km away from Rio Branco branch(access via airplane or boat)
Breaking barriers
Departamento Banco Postal
• 405 municipalities are located 100 Km away from financial centers including banks. Most of roads are not paved.
Breaking barriers
Access to Salvaterra - Pará
150 km away from Ananindeua branch- Pará
Foto camino de tierra Foto camino de tierra
puente de madera
Departamento Banco Postal
Nova Bandeirantes - Mato Grosso
220 km away from Alta Floresta branch
Breaking barriers
Departamento Banco Postal
Nova Bandeirantes - Mato Grosso
220 km away from Alta Floresta branch
Breaking barriers
Departamento Banco Postal Credit instrument
% Rural credit Real estate loan
R$ 350 million
R$ 320
million
R$ 238 million
R$ 28
million
Microcredit BNDS / Finame
More than 600,000 operations granted
Departamento Banco Postal
Mrs. Maria do Rosário
Ten loans took out at Banco
Postal and invested in micro-
sized companies.
Ex-peddler, she bought 2
spaces at the Municipal
Market and now is building
her 3rd house (for her and
children).
Autazes - AM
Example of success
Departamento Banco Postal
Paunini - AM
Mr. Raimundo Balbino da Costa
R$1,600.00 loan acquired at Banco Postal was invested in his grocery store.
Today, his trade, fully remodeled is one of the main outlets in the city.
Example of success
Departamento Banco Postal
José Maria Alves de Oliveira
“Through Banco Postal I was able to make my dream come true and own my vehicle to carry passengers.
Currently, I carry passengers everyday between Buritirama-BA and Barra-BA, 100 km distance. Ticket price is R$ 20.00 and thanks to this vehicle and Banco Postal, I’m able to support my family"
Barra - BA
Example of success
Departamento Banco Postal
Mrs. Sílvia and Mrs. Lindinha
Every month, Sílvia and Lindinhahad to travel 85 km (round trip) to Lafaiete - MG to receive INSS (Social Security) benefit.
They became tired of travelling and also had tickets and meals expenses. Actually, they spent
almost all their money there. After the inauguration of Banco Postal in July 2007, everything changed. Now, they receive the payment in their city and are also able to save
money.
Santana dos Montes - MG
Example of success
Departamento Banco Postal
From small cities to big centers
Nova Iorque - Maranhão Alphaville - São Paulo
Foto externa
de la Agencia
Foto fachada
de la Agencia
689 accounts opened
1,002 accounts opened
Presence in all municipalities
Departamento Banco Postal
From small municipalities to big centers
Alameda Santos - São Paulo Buenos Aires - Pernambuco
388 accounts opened
2,260 accounts opened
Presence in all municipalities
Departamento Banco Postal Safety
Usually, local governments and
companies had to carry high
amounts of cash to pay
employees, that required a large
security system, also involving the
military police.
Departamento Banco Postal
...are able to gradually withdraw their
salaries/benefits, reducing risk exposure;
...have access to credit at regulated
institution and no longer leave their money
below the mattress. They are able to save
money safely with earnings guarantee;
With Correspondents, people...
Safety
Departamento Banco Postal
Correspondents challenge is to encourage
the utilization of electronic means of
payment (credit and debit card) in
replacement of paper money.
This can be made by means of
partnerships with card management and
issuing companies, among others.
Safety
Departamento Banco Postal
The Correspondent is a creative
solution of BACEN that meets
government’s objectives and
allows the market to positively
react to the community’s
needs.
Final Considerations
Departamento Banco PostalHighlights of Fundação Bradesco
Students 110,000
Schools 40
Investiment - last 10years
US$615,685 million
Investiment - in 2008US$128,367 million
Passing index rate 95,9%
Investiments and Results