Banco Santander (brasil) S.a. · BMFBOVESPA:SANB3
Banco Santander (brasil) — 9M 2011 Earnings Presentation
35 slides from Banco Santander (brasil)'s earnings presentation, Oct 27, 2011
Slide 1: Banco Santander (Brasil) S.A. 9M11 IFRS Results
Banco Santander (Brasil) S.A. 9M11 IFRS Results October 27", 2011 @& Santander
Slide 2: Table of Contents
Table of Contents hts Macroeconomic Scenario Strategy Business Results Final Remarks
Slide 3: Highlights
Highlights * Annual growth of double-digit: — Credit": +22 % in twelve months with higher pace of growth in the quarter (+8) Funding from clients: +20% in twelve months, in line with credit portfolio growth * Expansion plan continuity: Peel — Opening of branches: +167 in 12 months, with 93 in 2011 a
Slide 4: Table of Contents
Table of Contents Highlights Strategy Business Results Final Remarks
Slide 5: Macroeconomic Scenario
Macroeconomic Scenario GDP (Y-0-Y growth %) Interest Rate - Selic(%) n tnt pte | ze 13.75, aaa 7 Sz. a5) 06 | 2007 2008 2007 2010 _adIIfe) 2012(e) 2007 2008 2007 2010 | 2011(e) 2012(¢) Inflation (IPCA %) Exchange Rate - (R$/US$) Po Endl heated 59 59 57 45 43 | ieza 1a 167 | 1751.65 2011(e} 2012(e)
Slide 6: Table of Contents
Table of Contents Highlights Macroeconomic Scenario Strategy Business Results Final Remarks
Slide 7: Universal bank focused in retail
Universal bank focused in retail " Revenues* by Segment - 9M11 @® customer Base ‘Commercial Bank g69, Global 11% Banking and | Markets SUD asset Manag. ‘and Insurance “Soeur cee teenage on @ Credit (R$ million) @ Total Funding'(R$ million) Sep.11 184,788 Totten it eps 293,608 @ Net Profit(R$ million
Slide 8: Strategy
Strategy We are moving towards our goals @> Quality in customer services @lp Intensify customer ¥ + 100/120 branches per year during 2011-2013 v To be the 1° in customer satistaction until 2013 wee punch in key segments and products v_ SMEs Y Credit Card, Mortgage, Santander Acquiring and Auto Finan
Slide 9: Santander Acquiring
Santander Acquiring ig services and finan: We're the first Bank to combine acquit services Acquiring Services Revenee 5) reat | Fovesctors mt @ Highly attractive value added to the segment SMEs High level of service network availability during the period of higher number of transactions 2010 9MI1 Ro
Slide 10: Table of Contents
Table of Contents Highlights Macroeconomic Scenario Strategy Results Final Remarks
Slide 11: Managerial Loan Portfolio — IFRS
u Managerial Loan Portfolio — IFRS! ——-—-srrmon vor ema yexg 17221774 (1844183 ingividuais 170 48299 hm Rg oe Ba Expanded Credit portfoliot Total IFRS 104,788 153,997 200% 7.8% ae Corporate Individuals " Le. ce eapanded ced any vuagat aux owe ae 7 “Finance deqares ron oe bas Tl amar S32 hon wet a me
Slide 12: Managerial Loan Portfolio - BR GAAP
2 Managerial Loan Portfolio - BR GAAP! R$ bition Q 1998 R§ milion ep. ar ion jesg 728 1786 1850 Sep.11__Sep.10__Vatiation _Variati Individuals 62983 52.406 19.7% 4% Consumer finance 32,727 29.057 126% = 6.2% ‘SMEs 44177 35778 235% 7.7% Sep.10 Dez10 Mar.11 Jun.11 Sep.11 Corporate 48,500 41,641 16.5%
Slide 13: Loan by Products - IFRS
Loan by Products - IFRS 13518 sas sep.10 Jun. sep.11 Vescsng pert scaited) Poon Acai — R§ milion — par aze 12994 = ma mee 13,925, 15,061 Vor 12M | i | Ze i a) sep.it Sep.i0 wn) Sepll
Slide 14: Deposits and Assets Under Management (AUM)
“4 Deposits and Assets Under Management (AUM) R§bilion rhe} pig 224 2900 2736 m9 Pe aaa fsmifon __sep:11_Sep.10_Vatiaion Variation Demand 197011460 74% SR Savings “Ov! 27903 85K OIG Time 75508 65957 ASK BR Sep.10 ee.10 Mart Jun? Sep.11 infunding rom Ctents mAUM omer! wou 37117 100m Sa ee Tetras ” 8
Slide 15: Table of Contents
Table of Contents Highlights Macroeconomic Scenario Strategy Business Final Remarks
Slide 16: Results IFRS: Net profit before tax and Net profit evolution
16 Results IFRS: Net profit before tax and Net profit evolution R$ milion I fea f AS raee 7969 -—z}-— 2578 2.68 2461 amo om 3ai0 2ant san ®§ milion r 70% ee eae 5956 —}— 1,995,
Slide 17: Total Revenues
7 Total Revenues R$ Millon YoY 0-0 SM 9M10__Variation Variation Net Inerestincome! 20.298 18,146 119% .1% Net Fees 5484 510874 1.6% subtotal 25,782 23254 109% = 1.3% others? 1161214 80% AA sai0 4qi0 1all 2atl 3a Total Revenues 26098 24468 «9.9% 3.2% Net Interest Income! met Fees sOthers? tats une Op
Slide 18: Net Interest Income
a Net Interest Income! 055% 1046 % nai% m% 129% 7,000 4,000 | .. om a on os oe OD mo 45 310 4ai0 jan 2an san Credit, mDeposits. © mNon-Interest bearing liabilities and others Santander
Slide 19: Net Fees
w Net Fees R$ Millon YoY Q.0.9 SMI 9M10__Varialion Variation 3.4% }_—____- Banking fees 17751781 03% 124% rab ee 1251 90k 38.4% 209% Copitalization “ 1,776 1.726 1,782 1.866 1,836 ‘Asset Management ‘and Pension Funds GO eae Creditand DebitCords 968699 38S 3. Collection services 368 978-282 Copital M
Slide 20: Allowance for Loan Losses - IFRS
20 Allowance for Loan Losses! - IFRS R$ Million YoY —Q-0-@ M11 9M10__ Variation _ Variation Allowance for anon 7083 6878 27% = 17.5% 3qlo 4gi0 1a) 211 sq ser easing’ accourtng standardization roceean oeared au he ssa migration of Banco Rea ae Banc Sntancer ae eagle & Santander
Slide 21: General Expenses and Amortization
General Expenses and Amortization R$ Mllon -—Lz}—___- rash YoY 0-0 3M11__9M10__Vatiation Variation 3158 3.301 3.297 3.24 3.445 Omer Genero zy ago ask am ca Er em gga ES Expenses Personnel Expenses 4842 4248 1408408, rene 9012 8278 89% 40% Expenses Depreciation ond 1054688 1BTR OK sano vane antag aan
Slide 22: Quality of Loan Portfolio
IFRS, Quality of Loan Portfolio Delinquency ratio’ (%) Coverage ratio* (%| 67 47 101% (ee es ( ae as a3 45 “o 47 Soo = ee s. es
Slide 23: Quality of Loan Portfolio - BR GAAP
23 Quality of Loan Portfolio - BR GAAP Delinquency Over 90" (%) NPL Over 60? (%) Coverage Ratio Over 90° A 137m 47m 49% 141 an rey 00 Rae 133% Sep.10 Dec1O Mor11 Junt1 Sep.l1 — Sep.10 Dec.10 Mart Jun.tt Sep.t1 310 4at0. 111211 sant Individuals e=Corporate Total —e-Invdvals “w-Corporate ~=-Total rng
Slide 24: Performance Ratios - IFRS
24 Performance Ratios - IFRS Efficiency Ratio’ (%) Recurrence? (%) “Grn, ROAA*(%) ROAE Oat (ached ®) @& Santander
Slide 25: Perspectives
25 Perspectives Perspectives for 2012-2013 ‘rowh nts a CAGR Revenues 14-16% Expenses! 11-13%. Net Profit 15% CAGR Total Credit 15-17%
Slide 26: Table of Contents
Table of Contents Highlights Macroeconomic Scenario Strategy Business Results nder
Slide 27: Final Remarks
7 a Final Remarks * Annual growth of double-digit: — Credit": +22 % in twelve months with higher pace of growth in the quarter (+8) Funding from clients: +20% in twelve months, in line with credit portfolio growth + Expansion plan continuity: Poel — Opening of branches: +167 in 12 months, with 93 in
Slide 28: Income Statement and Balance Sheet - IFRS
WA Income Statement and Balance Sheet - IFRS Wi Income Statement - BR GAAP antander
Slide 29: Quarterly Managerial Income Statement — IFRS
Quarterly Managerial’ Income Statement — IFRS R$ milion income Statement 2102010 nant ray 10M TN? TA 12683 13277 (38x) (4s) (4490) (5.68) (5923) (6378) “Infres one Smiarincome: Intros Expense ond Similar interest Income 60071876 gasy 4740 4am come tom Equi Instruments ‘ 1“ 2 2 5 6 1 come tom Compari
Slide 30: Managerial Income Statement - IFRS
Managerial’ Income Statement - IFRS. Interest and Similar income 782 BID BOR 2.1% Intetest Expense and similar (17.484) (11.574) (5.890) 509% Interest Income 20278 181ae 2152 11.9% Income from Equity Instruments © 2 40 200.0% Income from Companies Accounted for by the Equity 4“ 34 12 35.0% Net Foo 5
Slide 31: Balance Sheet - Total Assets — IFRS
Balance Sheet - Total Assets — IFRS R$ milion [assets Sep-10_Dec-10_ Mar-11_Jun-11__ Sep-11 ‘Cash and balances with the Brazilian Central Bank S336] S800 E7443 DES 5295 Financtal assets held for tracing 23738-24821 23541 31,400 29,783, (Other financial a:sets at fair value through profit or loss 166
Slide 32: Balance Sheet - Total Liabilities and Equity — IFRS
Balance Sheet - Total Liabilities and Equity — IFRS R$ milion Liabilities 0 Dec-10 Mar-11__Jun-I1 Financial labiities held for tracing 4785 48985337637 Financial fabilties at amortized cost 237,859 25341 261,011 280311 283,179 Deposits from credit institutions 41361 42392 34.995 457004262 Customer d
Slide 33: Reconciliation IFRS x BRGAAP
Reconciliation IFRS x BRGAAP R$ Mion - Reversal of Goodwill amortization / Others - PPA amortization - Others omit 2,404 76 786 om10 2,483 “7 26
Slide 34: Managerial Income Statement - BR GAAP
x Managerial’ Income Statement - BR GAAP R$ Mion M11 9M10 Var. 12M. Var. 3M. Net Interest Income 20,700, 18,328 129% 37% ‘Allowance for Loan Losses 7181) (5919) 21% 2a Net Feo 6a S757 15.2% 09% General xpenses® (10,522) (9,628) 975% 30% Tax Expenses (2.197) (1,704) 289% 39% Other Incomes (Expenses)*
Slide 35: Signature
SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereto duly authorized. Date: October 27, 2011 Banco Santander (Brasil) S.A. By: / S / Amancio Acurcio Gouveia Amancio Acurcio Gou
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