Banco Santander (brasil) S.a. · BMFBOVESPA:SANB3
Banco Santander (brasil) — Q1 2016 Earnings Presentation
38 slides from Banco Santander (brasil)'s earnings presentation, Apr 27, 2016
Slide 1: 1st quarter 2016 (BR GAAP) Results
Investor Relations | Sao Paulo, April 27%, 2016 1st quarter 2016 (BR GAAP) Results Simple | Personal | Fair
Slide 2: Disclaimer
DISCLAIMER This presentation may contain certain forward-looking statements and information relating to Banco Santander (Brasil) S.A. ("Santander Brazil") and its subsidiaries that reflect the current views and/or expectations of Santander Brazil and its management with respect to its performance, b
Slide 3: Table of Contents
TABLE OF CONTENTS _ | Key Messages Results - Santander Group ‘Macroeconomic Scenario +H ighlights ~ 101 6 Results
Slide 4: Customer Orientation
CUSTOMER ORIENTATION v New positioning: “What can we do for you today?” ¥ Evolution in digital technology v Improvement on services quality reflected in the monthly complaints ranking Ranking Deal
Slide 5: An Integrated Bank
AN INTEGRATED BANK v Wholesale banking: #1 in project finance advisory, foreign exchange market and ECM" v Acquiring: an integrated offer leveraging the SMEs businesses v Atacarejo: full cross sell between Wholesale and Retail
Slide 6: Key Messages: Maintenance in Cost Control
KEY MESSAGES MAINTENANCE IN COST CONTROL Y Discipline in cost control, growing below inflation
Slide 7: Key Messages: Efficient Risk Management
KEY MESSAGES A\ EFFICIENT RISK MANAGEMENT v Astate of art model to access and monitoring client's needs / behaviour
Slide 8: Access to foreign markets and attract investments to Brazil
Access to foreign markets and attract investments to Brazil
Slide 9: Key Messages
Key Messages Results - Santander Group __ Macroeconomic Scenario Highlights - 1Q16 Results
Slide 10: Results - Santander Group
RESULTS — SANTANDER GROUP. BRAZIL CONTRIBUTED WITH 18% OF THE GROUP'S RESULTS DIVERSIFIED RESULTS BETWEEN ORDINARY ATTRIBUTABLE EUROPE AND AMERICA BROFIT PBROETE (EUR ml million) ARGENTINA REST AMERICA sx }—- —> CHILE 6% es T 1 UNITED 23% rl | 1,460 ‘SOUTH AMERICA EUROPE 1,717 1,709 1,680 NORTH AMER
Slide 11: Table of Contents
TABLE OF CONTENTS _ Key Messages Results - Santander Group Macroeconomic Scenario Highlights - 1Q16 Results
Slide 12: Macroeconomic Scenario
BoE CDNOMC SCE SCENARIO ECONOMIC ADJUSTMENT alee PROCESS er 2014 2015 2016 (e) 2017 (e) INTEREST RATE — Selic (%) INFLATION (IPCA %) EXCHANGE RATE (R$ / USS) 14.25 11.75 1325 42.00 107 64 7.0 58 3.90 3.80 B00 EB ) = Cae 2014-2015 +—« 2016 (0) 2017 (0) 2014 2015 2016 (e) 2017 (e) 2014 2015-2016 (e) 2
Slide 13: Table of Contents
SS TABLE OF CONTENTS _ 2 ; Key Messages Results - Santander Group Macroeconomic Scenario Highlights - 1Q16 Results
Slide 14: R$ 1.7 billion
R$ 1.7 billion Volumes reflect the weak macro backdrop. Client base increased Comfortable capital and liquidity position Delinquency under control and coverage remains stable & Santander 13
Slide 15: Table of Contents
TABLE OF CONTENTS 2 Key Messages Results - Santander Group Ze Macroeconomic Scenario ighlights - 1Q16 Results | 1Q16 - Pérformance
Slide 16: 1Q16 Performance: Net Profit
1Q16 PERFORMANCE NET PROFIT (R$ million) NET PROFIT CLIMBED 3% AND CLIENT BASE EVOLVED POSITIVELY 1015 2015 3Q15 4Q15 1016
Slide 17: Performance: Managerial Profit
116 PERFORMANCE MANAGERIAL PROFIT R$ million 1Q16 1Q15 YoY QoQ Net intrest ney 7,599 7,140 6.4% 2.9% ieee sommieaar income 3,090 2,828 9.3% -3.7% coeetenties a 10,690 9,968 7.2% 0.9% Alera st em bees (2,424) (24 12) 14.8% 12.2% eae Sistas yi (4,410) (4,103) 75% 4.8% Others ieey x (1,989) (1,653) 20.
Slide 18: Net Interest Income
1016 PERFORMANCE NET INTEREST INCOME UP IN THE QUARTER, BASED ON LIABILITY MANAGEMENT AND MARKET ACTIVITIES NET INTEREST INCOME BREAKDOWN (R$ million) CREDIT AND DEPOSITISEE SPREAD READ (2) 29% Credit H . b> 83% 8A% 8.3% 83% 84% 7,384 7,599 ° ° * Deposit 11% = 14% = 11% = 11% = 1.2% 1015 2015 3Q15 4
Slide 19: Volumes Reflected the Weak Macro Backdrop
1Q16 PERFORMANCE VOLUMES REFLECTED THE WEAK MACRO BACKDROP EXPANDED: PORTFOLIO (R$ billion) 321.2 331.9 324.3 Mart Jun15 Sep.15 Dec.15 Mar16 Santander Share loan R$ million Mar-16 — Mar-15 YoY QoQ ae aR Mar-16 Individuals 85593 79819 72% 0.9% 34% ‘Consumer finance 32,708 «36,178 «9.6% = 3.6% 13% ‘SM
Slide 20: Funding Improves the Loan / Deposit Ratio
1Q16 PERFORMANCE FUNDING IMPROVES THE LOAN / DEPOSIT RATIO TOTAL FUNDING (R$ billion) RS million Mar-16 = Mar-15 YoY Q0Q oo {es} Demand deposits + savings deposits _49455__52,824 64% 43% 6 I .6%| _Time deposits + debentures' 171,534 ESSE) Sy ee -3.0% 4938 8123 8159 5128 Erectny tee res canoes) Il eg
Slide 21: Commission Growth
1Q16 PERFORMANCE COMMISSION GROWTH ACCELERATED ANNUALLY QUARTER IMPACTED BY SEASONALITY COMMISSION (R$ million) R$ million 1016 1015 YoY 0a 93%] — ‘Asset management* 248 260 4. ro 98% —_ TIN bs 25 mS 24.3% 41% Current account 579 466 {amp : : ses Lending operations 338 328 3.1% 65% ‘insurance’ 485 4
Slide 22: Credit Quality and Coverage
1016 PERFORMANCE CREDIT QUALITY AND COVERAGE AT COMFORTABLE LEVELS NPL (from 15 to 90 0 days) NPL (over 90 days) COVERAGE RATIO (over 90 days) Mak eek cre 7% — OO ot ae eee eT OTH oxy, 199.4% 200.1% 5.0% 4 a% 43% 44% 48% 47% 47% 43% 45% 4.3% -—_e-*_ *_* 4.0% fi ; , 7 a 3.0% 32% 3.2% 3.2% 3.3% 25% 26
Slide 23: Allowance for Loan Losses and Cost of Credit
1Q16 PERFORMANCE ALLOWANCE FOR LOAN LOSSES (R$ million) and COST OF CREDIT (%) STABILITY IN 7 2.9% 7 a 3.3% aon 28 COSTOR ° CREDIT hes Sie r{-12. 2.2% 2,338 2,448 BI 762 ie 424 oo 497 ae 028 1015 2Q15 3Q15 4Q15 1016 Income from recovery of Allowance for loan —®~ Cost of credit written off loans loss
Slide 24: Maintenance in Cost Control
1Q16 PERFORMANCE MAINTENANCE IN COST DISCIPLINE AND CONTROL _EXPENSES (R$ million) 148% _ R$ million 1016 1015 YoY QoQ 4,632 41034300 4,288 os 4,410 gaa Sees! a 533 567 397 421 General expenses 3,989 3571 11.7% -59% Depreciation and amortization 421 533 -21.0% 65% 3,989 Total 4410 4103 75% -4.8% 101
Slide 25: Performance Indicators
1Q16 PERFORMANCE PERFORMANCE INDICATORS QUARTELY IMPROVEMENT & Santander EFFICIENCY RATIO (%) _ RECURRENCE (%) 70.1% 9 69.3% 51.4% aoe 68.9% ie 1015 4Q15 1016 1015 4Q15 1016 ROAA (%) ; ROAE (%) Bes 12.4% 12.6% 41.1% 0.9% 1.0% al 1015 4Q15 1016 1015 4015,
Slide 26: Balance Sheet Strength
1Q16 PERFORMANCE BALANCE SHEET STRENGTH LOAN TO DEPOSIT" (%) BIS RATIO (%) 16.0% ine 16.4% 15% - 14.3% 15.1% = De ; Mar.15 Dec.15 Mart6 Ter! = Tier ll
Slide 27: 1Q16 Final Remarks
|Q16 FINAL REMARKS v Effective risk management model Y Cost discipline v Comfortable liquidity and capital levels Management v Accelerated progress of the digital agenda and Activity v Improved customer experience Y Country's biggest foreign exchange platform Commercial Model Y Acquisition of 100% o
Slide 28: Santander Theater / Santander Cultural
recused on gro\ in profitability —
Slide 29: Slide 29
Slide 30: Microcredito Financiamentos
MICROCREDITO FINANCIAMENTOS Negocios & Empresas CORPORATE webmotors a marca automotiva n?1 do Brasil
Slide 31: Annexes
ANNEXES
Slide 32: Results: Managerial Financial Statement
RESULTS MANAGERIAL FINANCIAL STATEMENT 1Q15 1Q16 abs 12M % 12M Net interest income 7,140 7599-4 i) 459 6.4% _ ~~ Allowance for loan losses (2,112) (2,424) (313) 14.8% __ " Net interest income after loan losses 5,028 5,175 147 2.9% "Fee and commission income 2,828 3,090 263 9.3% "General expenses (4,
Slide 33: Quarterly Results
QUARTERLY RESULTS. MANAGERIAL FINANCIAL STATEMENT R$ million 1Q15 2Q15 3Q15 4Q15 1Q16 _Netinterestincome E 7,140 7,480 7,631 7,384 7,599 ___ Allowance for loan losses. (2,112) (2,338) (2,448) (2,762) (2,424) _ Net interest income after loan losses 5,028 5.142 5,183 4,622 DATO vai re Fee and commissi
Slide 34: Balance Sheet - Assets
BALANCE SHEET - ASSETS Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 R$ million Current asset and long-termassets __—=—s=—s=s«B96,216 591,269 689,054 663,809 655,329 og Cash and cash equivalents 4.964 5525 6,928 _ 6,864 5,463 ____ Interbank investments 48,736 56,850 __59,264 55,810 51,481 _____ Securities and
Slide 35: Balance Sheet - Liabilities and Equity
BALANCE SHEET - LIABILITIES AND EQUITY Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 R$ million Current liabilities and long-term liabilities 553,030 541,233 642,458 620,293 608,360 ~~ Deposits Eank 740,580 143,787 +145585 141,886 136,947 ~~ ~~ Demand deposits 15,255 14,842 18,521 15,698 14,491 ~~~ Saving depo
Slide 36: Balance Sheet - Loan Portfolio
BALANCE SHEET — LOAN PORTFOLIO R$ million Mar-16 Mar-15 YoY Dec-15 QoQ Individuals 85,593 79,819 7.2% 84,805 0.9% Ries eee ~ 2,280 3132 27.2% 2,481 nee, Scie ca 18,187 17,170 5.9% 19,134 4.9% a See 15537 12,757 21.8% ‘14,656 6.0% Piiaies (26527 22,756 16.6% +~=—«25,082 2.3% a aaa ean 3,593 3,639 13%
Slide 37: Santander Acquiring
SANTANDER ACQUIRING REVENUE INCREASES 24% IN THE LAST 12 MONTHS Santander Acquiring 1Q15 1Q16 eed A Revenues (R$ million) > 11,826 > 14,654 24% Credit Transactions (million) v 81.4 v 114.5 v M% Debit Revenues (R$ million) > 6,580 > 8,139 % 24% Transactions (million) v 96.8 v 122.0 v 26% Revenues (R$
Slide 38: 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: April 27, 2016 Banco Santander (Brasil) S.A. By: / S / Amancio Acurcio Gouveia Amancio Acurcio Gouve
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