Sustainability Report 2008Banco Postal:number of BranchesBradesco Expresso:total of partnershipsTransactions atcorrespondent banks*(in thousands)4,7528,113316,52411,539426,1505,4615,5855,8215,94616,061583,536681,373200520062007200820052006200720082005200620072008* Includes Banco Postal and Bradesco Expressothan 1,700 units in cities that did not have any branch,benefiting millions of people.Banco Postal also made the lives of retirees and INSSpensioners easier (Bradesco provides monthly payments to5.1 million retirees and pensioners), who now receive theirbenefits without having to leave home. With no travel coststo neighboring cities, long trips on precarious roads or boats,these people were able to save money and spend more at localbusinesses, increasing the circulation of money.Thus, Banco Postal promotes local social-economicdevelopment, stimulates higher tax collection fromgovernment authorities, foments savings and works as abasis of entrepreneurship (new businesses), job creationand citizenship.Bradesco ExpressoWith the same objective, we created Bradesco Expresso,a partnership with <strong>com</strong>mercial establishments such asdrugstores, supermarkets, department stores, retailers andother similar segments that provide basic bank services,such as payment of bills, bank slips, taxes and fees, prepaidmobile airtime and withdrawals from checking, savings andINSS accounts.For the customers and <strong>com</strong>munities served by Bradesco16
Expresso, the service offers all ofthe system’s features and allowsthe convenience of having bankingservices closer to home or the workplace. For the Bank, Bradesco Expressorepresents the best alternative toapproach low-in<strong>com</strong>e customerswho do not have a bank account yet.For shop owners, this model meansan increase in customer turnover,stimulating repeat visits to the storeand paving the way for buildingcustomer loyalty and boosting sales.Other ChannelsCustomers also have other convenientchannels to maintain a relationshipwith the Bank:Internet: customers may carryout bank transactions and checkproducts and services through 57Bradesco web pages of which 40 areinstitutional and 17 are transactional.Currently, Bradesco Internet Bankinghas 9.8 million registered users,accounting for 1,549.1 milliontransactions in 2008.Self-ser vice: through Brades<strong>com</strong>achines – Bradesco Dia&Noite. Thereare more than 29 thousand machinesnationwide. In addition, customersmay use 5,306 Banco24Horasmachines.Phone Service: 24 hour, seven day aweek telephone access, whereby thecustomer may obtain information,conduct transations and purchaseproducts and services related to his orher checking, savings and credit cardFull access and convenienceaccounts as well as other productsavailable on this channel by meansof electronic and customized service.Through specific numbers, customershave access to a series of call centers.371.7 million transactions were carriedout at these centers in 2008.Bradesco Celular: the customer isable to make payments, purchaseprepaid mobile telephone airtime,make transfers, check loans andaccount balances, among others,with the protection of the BradescoSecurity Key for authentication ofdebit transactions. In 2008, 4.2 milliontransactions were carried out.Infoemail Bradesco: the customer canreceive the “boleto fácil” (easy bankslip payment), balances, entries andalerts via e-mail. 435,501 customersare registered in this service.For more details about Call Centers andConvenience Channels, visit www.bradesco.<strong>com</strong>.brv Atendimento (Services)