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Let’s step back and take a breath, because there is a lot of confusion hiding inside a very simple phrase: “Samsung ADR.” When you see that ticker on your brokerage screen, it is easy to assume you are buying stock in Samsung Electronics exactly the way you would buy stock in Apple or Microsoft. But that is not what is actually happening. An American Depositary Receipt, or ADR, is a dollar-denominated financial contract created by a bank to represent ownership of shares in a foreign company. The bank—typically a large custodian like BNY Mellon, Citibank, or J.P. Morgan—buys ordinary shares…