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Banco Bradesco S.A. provides a range of banking and financial products and services to individuals; large, mid-sized, and small companies; and local and international corporations and institutions in Brazil and internationally. Its Banking segment offers various deposit products, including non-interest-bearing checking accounts, savings accounts, time deposits, interbank deposits, and accounts for salary purposes. This segment also provides loans and advances, such as real estate financing, microcredit, onlending BNDES funds, rural credit, leasing, and other commercial for individuals and companies; credit cards, debit cards, and pre paid cards; management of receipts and payments; asset management services; services related to capital markets and investment banking activities; intermediation and trading services; custody, depositary, and controllership services; international banking services; and consortiums purchasing services. The company's Insurance, Pension Plans and Capitalization Bonds segment offers various products and services, including life, personal accident, health, automobiles, property and casualty, and liability insurances; individual and corporate pension plans; defined benefit plans; variable and defined contribution plans; capitalization bonds; and redeemable life insurance plans, as well as engages in treasury activities, including derivative transactions. As of December 31, 2012, the company operated a network of 4,686 branches; 34,859 ATMs; 12,975 shared ATMs under the Banco24Horas brand; and 5,237 special points of banking services located on the premises of corporate customers. It also operates 3 branches and 10 subsidiaries in New York, London, the Cayman Islands, Tokyo, Buenos Aires, Luxembourg, Hong Kong, and Mexico. The company was formerly known as Banco Brasileiro de Descontos S.A. and changed its name to Banco Bradesco S.A. in 1988. Banco Bradesco S.A. was founded in 1943 and is headquartered in Osasco, Brazil.