departamento banco postal - postal financial inclusion · 03-11-2009 · departamento banco postal...

Departamento Banco Postal

Departamento Banco Postal Institutional Film

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


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


BancoBanco PostalPostal

a history of success.a history of success.


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


• 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


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


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


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


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


• 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


Anamã - Amazonas

7 hours of boat from Manacapuru branch

Breaking barriers


Santa Rosa do Purus - Acre

500 km away from Rio Branco branch(access via airplane or boat)

Breaking barriers


• 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


Nova Bandeirantes - Mato Grosso

220 km away from Alta Floresta branch

Breaking barriers

Departamento Banco Postal Breaking through

Jordão - Acre


Bailique - AP

Breaking through

Departamento Banco Postal Breaking through

Bailique - AP


Registry Office - Juca do Bailique

Bailique - AP

Breaking through

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


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


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


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


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


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


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.


...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


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


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

Departamento Banco Postal Film

Bradesco Foundation


José Nivaldo Ferreira

E-mail: [email protected]

departamento banco postal - postal financial inclusion · 03-11-2009 · departamento banco postal...

Documents