Banco Santander (brasil) S.a. · BMFBOVESPA:SANB3
Banco Santander (brasil) — Q4 2022 Earnings Presentation
32 slides from Banco Santander (brasil)'s earnings presentation, March 2023
Slide 1: Institutional Presentation 4th Quarter of 2022
Institutional Presentation 4 t h Q U A RT E R O F 2 0 2 2 (BR GAAP) Results Earnings Presentation Release 4Q22 4Q22
Slide 2: Disclaimer
Disclaimer This presentation may contain certain forward-looking statements and Aside from other considerations stated in this presentation, the following information pertaining to Banco Santander (Brasil) S.A. (“Santander Brasil”) and factors, among others, could cause actual results to differ mate
Slide 3: CEO message
CEO Mario Leão In 2023, we will continue to build on our story of evolution and transformation through clearly defined growth levers, based on the following assumptions: (i) Controlled and predictable cost of credit, (ii) Franchise growth, with increased transactionality, (iii) Enhanced culture of p
Slide 4: Key aspects of the Brazilian market
Key aspects of the Brazilian market Macroeconomy and Financial System Economic activity performance(%) FX (BRL/USD) Inflation (% p.a.) Impacted by external and Slow convergence to the local uncertainties midpoint of the target range 6.0 0.4 -1.1 5.20 5.58 5.22 5.40 10.1 3.87 4.03 5.8 5.9 3.7 4.3 4.5
Slide 5: Characteristics of the Brazilian market
Key aspects of the Brazilian market Macroeconomy and Financial System Characteristics of the Brazilian market Primary balance and gross debt (% of GDP) Investment¹ (% of GDP) Brazil risk (CDS 5 years, bps) 7 90 3 80 -1 70 -5 60 18.8 254 -9 162 -13 50 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Dec-22 Jun-18
Slide 6: Santander Brasil's consolidated footprint in the Brazilian market
Santander Brasil Profile Santander Brasil´s consolidated footprint in the Brazilian market IPO and Efficiency and Commercial transformation and profitability aquisition processes 100% aquisition of Olé Consignado Initial public Aquisition of offering (IPO) 51% aquisition Sale of 20% aquisition of Su
Slide 7: Organic and inorganic expansion, 12 acquisitions and partnerships
Santander Brasil Ecosystem Organic and inorganic expansion, 12 acquisitions and partnerships over the past two years 7 INVESTOR R E L A T I O N S ri@santander.com.br 0800 286 8484 FAQ www.santander.com.br/faq
Slide 8: Best consumer company in Brazil
Supported by our commitment to being the... Best consumer company in Brazil Supported by four strategic pillars: Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People 8 INVESTOR R E L A T I O N S ri@santander.com.br 0800 286 8484 FAQ www.santander.com.br/faq
Slide 9: Customer-centric strategy
Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People Customer-centric strategy Customers (million) Acquisition Open Finance ¹ +8.9 million customers in the year, 3.4 million customers/year, 60.1 +12% 67% originated from digital channels with active inbound cons
Slide 10: Offer suited to each customer profile
Customer Sales Channels Innovation Culture Offer Centricity Distribution and Profitability People suited to each customer profile Individuals¹ Corporate and SMEs Santander | Private banking SCIB Corporate Investments above R$ 5 million Global Customers List Large Corporate Santander | Select Revenue
Slide 11: Diversified business model and scale across all segments
Diversified business model Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People and scale across all segments Credit Corporate portfolio 26% Individuals Individuals Corporate and SMEs Consumer Finance 46% R$ 489.7 13% billion SMEs 14% R$ billion Balance QoQ R$
Slide 12: Portfolio quality supported by our risk models' assertiveness
Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People Credit quality Over 30 M3¹ Old vintages New vintages Personal Loans Auto loans to Cards individuals NPL 30 6.7% 4.5% 6.4 Sep22 vs Dec21 5.3 4.6 4.9 4.2 NPL 90 3.8% 2.3% -220 bps 3.0 2.8 -250 bps NPL 15-90 5.2
Slide 13: Sales channels: physical channel
Sales Channels Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People experience, integration, availability and reach Multichannel index¹ of loyal customers 98% Physical Channel Expansion into 3,000 stores strategic regions Midwest, North and Northeast 13 million
Slide 14: Sales channels: digital channel
Sales Channels Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People experience, integration, availability and reach Multichannel index¹ of loyal customers 98% Digital Channel Our Apps Personalized financial guidance³ 541 million bringing us even closer total vi
Slide 15: Sales channels: external and remote channels
Sales Channels Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People experience, integration, availability and reach Multichannel index¹ of loyal customers 98% External Channel Relaunch of 15 stores Accelerating our expansion “Santander Perto” opened 15,647 Pres
Slide 16: Diversifying our portfolio offerings
Diversifying our portfolio Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People offerings We have continued to broaden our services through Investment and financial STRATEGIC planning platform BUSINESSES, expanding them into new Revolutionizing the conventional
Slide 17: Greater commercial activity: Cards and Real Estate
Greater commercial Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People activity Cards Real Estate Total turnover Loan portfolio to Digital journey 2022 individuals Lead time¹ for granting 84 R$ 338 billion R$ 227 billion R$ 56.3 mortgage loans points NPS² (+10
Slide 18: Insurance ecosystem
INSURANCE Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People ECOSYSTEM Vehicle insurance offering platform with a completely online purchase journey Smart, modern, and creative solutions for providing protection via life, benefit, property, transportation, he
Slide 19: Agro ecosystem
Agro Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People Ecosystem Comprehensive Gira Total Portfolio¹ Market share 300 solutions along WayCarbon R$ 37.5 billion (+37% YoY), 6%, with an Agribusiness Commodities with the goal of reaching increase of 4 p.p. dedi
Slide 20: Auto ecosystem
Customer Sales Channels Innovation Culture AUTO Centricity Distribution and Profitability People Santander ECOSYSTEM Financiamentos Market share1 LTV² 22% 42.4% Loan portfolio to Individuals Auto loan portfolio Cross-sell Loan portfolio Goods and Services 390,000 New customers at the Bank R$ 68.0 R$
Slide 21: SMEs platform
SMEs PMEs Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People Record of new customers We continue to introduce new journeys, functionalities, Benchmark and enhancements to the customer experience 43,000/month PLAT New Products and Offerings FORM We have expand
Slide 22: Wholesale platform
WHOLESALE Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People We are the only global bank with full presence in Brazil: Benchmark PLAT Foreign- Infrastructure Agribusiness Cash FORM Exchange Management We are the leading FX Worldwide leadership in Largest agri
Slide 23: Expanding the ecosystem
Customer Sales Channels Innovation Culture Expanding the ecosystem Centricity Distribution and Profitability People Management and securitization Debt renegotiation platform of non-performing assets In 2017, we started developing a business model for investing in Provides customers with the ability
Slide 24: Continuous investment in innovation and productivity
Continuous investment in innovation Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People and productivity Productivity culture Solid and technological Market benchmark in efficiency culture Transactions vs. Consolidation of F1RST: cutting- cost 5.73 Total finan
Slide 25: Employee engagement and unique culture
Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People Employee engagement Unique culture Promoting empowerment, meritocracy and diversity eNPS1 76 points in December/22 Top leadership Diversity and inclusion Protagonism to proximity December/22 knowledge Horizon
Slide 26: ESG ingrained into our culture: Environmental
Customer Sales Channels Innovation Culture ESG ingrained Centricity Distribution and Profitability People into our culture through solid initiatives. We have been on this path for over 20 years Environmental Access the 2021 ESG and Climate Benchmark in sustainable businesses Action Report CBIOS Net
Slide 27: Social: supporting the country's development
Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People Social SANTANDER PROSPERA AMIGO DE VALOR UNIVERSIDADES MICROFINANÇAS 20th edition of Amigo de For over 25 years, we have Financial inclusion Valor program been supporting education 103,000 higher education Si
Slide 28: Corporate Governance
Corporate Governance Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People ESG Management best practices ESG as a metric for Board of directors: ISE B3: We were selected for the 13th evaluating executive 33% are women¹ consecutive year, climbing 16 positions Str
Slide 29: Results
Results (R$ million) 2022 2022 x 2021 4Q22 4Q22 x 3Q22 Net Interest Income 51,827 -6.8% 12,517 -0.6% Fees 19,308 2.3% 5,075 7.2% Total Revenues 71,135 -4.5% 17,591 1.5% Allowance for Loan Losses1 -23,930 72.7% -7,364 18.6% General Expenses -22,706 7.0% -6,049 6.3% Others -9,094 -36.9% -2,603 25.2% P
Slide 30: Financial Highlights
More information in Earnings Release 4Q22 Results Financial Highlights Fees 2022 Cards Credit Operations Net R$ 5.5 +10.6% R$ 1.5 -1.6% Interest 2022 billion YoY billion YoY Income Customer NII Current Account Collection Services R$ 56.1 +22.4% R$ 3.8 +0.4% R$ 1.4 -7.0% billion YoY billion YoY billi
Slide 31: Financial Highlights: credit quality
More information in Earnings Release 4Q22 Credit quality1 Financial Highlights NPL Indicators NPL Ratios NPL 90 days 15 - 90 days 90 days 3.1% +0.39 5.9% 5.9% 6.1% 6.3% 4.0% 4.0% 4.1% 4.3% 4.3% p.p. YoY 5.2% 5.0% 3.6% 4.5% 4.3% 4.2% 4.2% 4.3% NPL 15-90 days 3.9% 2.9% 3.0% 2.9% 2.9% 3.0% 3.1% 3.5% 2.
Slide 32: Simple | Personal | Fair
Investor Relations (Brazil) Av. Presidente Juscelino Kubitschek, 2,235, 26th floor São Paulo | SP | Brazil | 04543-011 Phone: 0800 286 8484 E-mails: ri@santander.com.br acionistas@santander.com.br Our purpose is to help people and businesses prosper. And we believe everything we do should be: Simple
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