Banco Santander (brasil) S.a. · BMFBOVESPA:SANB3
Banco Santander (brasil) — FY2011 Earnings Presentation
36 slides from Banco Santander (brasil)'s earnings presentation, Jan 31, 2012
Slide 1: Banco Santander (Brasil) S.A. 2011 IFRS Results
Banco Santander (Brasil) S.A. 2011 IFRS Results January 31, 2012 & Santander
Slide 2: Table of Contents
Table of Contents Macroeconomic Scenario Strategy Business Results Final Remarks
Slide 3: Highlights
Highlights Infrastructure Portfolio’s Quality and Solid Balance Sheet Results = Loan Portfolio’ with higher pace of growth in 2011: +21% * Closing of the Insurance underwriting unit sale for RS 2.7 llon * Expansion plan continuity: = #154 branches in 2011, +61 of it in the 411 = +1.8 thousand employ
Slide 4: Table of Contents
Table of Contents Highlights l|acroeconomic Scenario Strategy Business Results Final Remarks
Slide 5: Macroeconomic Scenario
Macroeconomic Scenario j facthepetd ze | 13.75 52 17s 11.00 30 35 Rs 8.75 ce 03 200s 20092010 aOTI(e) 2012Ke) 201346) 2008 2009 20102011 2008 2007 210-2011 -AH1Ale) 201346} 2008 2007 ID 950 1000 2012(e) 2013(e)
Slide 6: Table of Contents
Table of Contents Highlights Macroeconomic Scenario Strategy Business Results Final Remarks
Slide 7: A Universal bank focused in retail
A Universal bank focused in retail Revenues by Segment" - 2011 Asset Manag. andlinsurance a> CustomerBase Total current account (thousand) @d commercial Network Branches PABs (minibbranches) ATM's > Employees Total Employees Branches Pe 2,201 2.355 Dec.10 Dec.11 a Y-0-¥ @0-@ bail Variation Variation
Slide 8: Strategy
Strategy We are focused on our goals @> Quality in customer services @lp_ Intensify customer relationships ¥ #100/120 branches per year during ¥ Tobe the bank of choice of our 2011-2013 customers by 2013 ¥ Tobe the 1° in customer satisfaction ¥ Improve our value proposition until 2013 for each custo
Slide 9: Strategy: Insurance underwriting unit sale and Zurich agreement
Strategy Closing of the Insurance underwriting u! istribution agreement with Zurich @ seting Price: RS 2.7 billion Closing of the deal on October 5" y @ 2011 ZURICH The balance sheet was strengthened by the allocation of capital gain @ Strengthen Banco Santander's bancassurance distribution by ensur
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' RS.baon EE, YoY Q0.0 émlon Dee.11_Dee.10_Variiton _Vation 289 ua a inocu @A13 50961 244% 5am L Corsirner OAS? 26969 129K ~. as a at ‘SMES: 47,940 38,178 25.6% 8.5% Dec10 Mar11 Jun.11 Sep.11 Dec.1 Conporate e237) 44481 79K ‘ExpandedCredit portfolo? --G-0-QVar. IFRS 1
Slide 12: Managerial Loan Portfolio - BR GAAP
2 Managerial Loan Portfolio - BR GAAP" RSbition, YoY — @.0-@ 1998 2088 R$milion Dec.11 _Dee.10 Variation Variation 178 178.6 1850 DA Individuals 65563 55146 189K AIK 10% < ~ Consumerfinance 35429 29814 195K 8TH o_o 4 3% (5.6% = ee SMES 47940 38206 5B Dec.10 Mar11 Jun.11 Sep.11_ Dec.11 Corporate 7925
Slide 13: Loan by Products - IFRS
Loan by Products - IFRS Dec.10 sep.11 Dec.11 Dec10——Sep.11 Dec.11 12394 fea 15961 15298 Y-0-¥ 220 SS Dec.10 sep.11 Dec.11 Teindividuat Corporate:
Slide 14: Deposits and Assets Under Management (AUM)
Deposits and Assets Under Management (AUM) RSbilion 272 283.6 288.0 273.6 273.5 Ins 154 132 152 130 HEaaa Dec.10 Mar.11 Jun.11 Sep.11 Dec.11 ‘miunding trom Clients SUM a/™ tind Financeiras Debentures/ 13% femilon pee ee10_Vatelon —_Vatietton Demand Bs6 16131189 = ee ee Time won ee 2a Ones! 39787 -37
Slide 15: Table of Contents
Table of Contents = Highlights Macroeconomic Scenario Strategy Business Results Final Remarks
Slide 16: Results IFRS: Net profit before tax and Net profit evolution
6 Results IFRS: Net profit before tax and Net profit evolution 2011 net profit before tax rose 8.6% in 12 months R$ million: 9724 10.556 -—ze}-— ‘oe on ‘oan a 2011 net profit rose 5.1% in 12 months 118 1802 1,799
Slide 17: Total Revenues
Total Revenues RB Mtion 13.9% - 3.0% | 9524 8 asco 9.690 4qio 1a 2a11 san) aan Net Interest Income! mNet Fees Ones Pra 599.248 — | ‘ 55 1 722) 266 236) Net interest Income! NetFees 2011 27,502 7339 Y.0¥ 2010 Variation 24645 132% 6804 74% 1351 126% @-0-a Variation 102% 10% 874%
Slide 18: Net Interest Income
a Net InterestIncome! Selict .. 10.46% nai % nase Yor Ver 000 i 7000 2% 5000 4900 7% 3,000 if 5198 5288 sas my 2000 1000 4ai0 yan 2an1 3qn 4an Loans mDeposils _sNon-Interest bearing labililies and others @& Santander
Slide 19: Net Fees
w Net Fees R$ Millon YoY Q0.a 20112010 Variation Variation -— Lx}—___— Banking fees 2465-2269 AOR OR ca reonce'ond: i ee ae 1782 W866 136 1.855 12041187 59RD CreditondDebitCords 1298 969 339K. Collectionservices 515 058K CNL Copital Market 419 2 160R OAK 4ai6 “Tai ZGit $71 Gi Trade (COMEX) 400 45512
Slide 20: General Expenses and Amortization
General Expenses and Amortization R$ Mion 141% r pay YoY @0.0 oe : 20112010 Variation _ Variation 3301 3297 3.824 S45 ry Cree" 5728 5204 80k BR Boorse 66M 5925 ARR fest, 1237 12% 02% a Depreciafon ond 1482123718218 ‘Amnortzaton aio. tan 2a1 sa) aa Total 13836 12.467 0S 9a ‘= Depreciation and Amortiz
Slide 21: Allowance for Loan Losses - IFRS
Allowance for Loan Losses" - IFRS. ad R$ Millon, 21.6%) 2301 2320 2059 1.907 YoY Q-0-@ 2011 2010 Variation Variation Allowance for leanlosses 4gio ial 2a san 4a
Slide 22: Quality of Loan Portfolio - IFRS
Quality of Loan Portfolio - IFRS ba 58% eae ae fd Dec.10 MarI1—Junt1_— Sep. Dee.17 —s-Individuats —=-Comorate --Total aq raza sa) aa
Slide 23: Quality of Loan Portfolio - BR GAAP
Quality of Loan Portfolio- BR GAAP 4 7980 a e 2B 58 55 ap ao 4343S a7 50_ 5253 se eee 224 25 2328 ay 30 29 2929 Dec.1O Merit Junt Sep.tt Deel bee.J0 Marit Juntt Sep.tt Bec. “sIndividvals—-Corporate-=—Tola__—e-Individuals-@-Comporate-=-Total rere 2% 143% 141% QI a1 iat 2H gat ¢at
Slide 24: Performance Ratios - IFRS
Performance Ratios - IFRS Dec.10 Sep.11_Dec.11 & Santander
Slide 25: Perspectives
Perspectives ___ Perspectives for 2012-2 7 " ‘GrowihinR§=% ie CAGR Revenues 14-16% Expenses’ 11-13% Net Profit 15% CAGR Total Credit 15-17%
Slide 26: Table of Contents
Table of Contents i Highlights Macroeconomic Scenario Strategy Business Results Final Remarks
Slide 27: Final Remarks
Final Remarks + Loan Portfolio" with higher pace of growth in 2011: +21% * Closing of the Insurance underwriting unit sale for RS 2.7 Billon + Expansion plan continuity: +154 branches in 2011, +61 of itin the 4Q11 +18 thousand employees on 4Q1 1, focused on commercial activities + NPLs with lower pa
Slide 28: Income Statement and Balance Sheet - IFRS
{A Income Statement and Balance Sheet - IFRS WA Income Statement - BR GAAP
Slide 29: Quarterly Managerial Income Statement - IFRS
2 Quarterly Managerial’ Income Statement-IFRS Emilion “ nteret ors Sinlorineeme = nteret ere ond similar Inleres Income T1802 1248912277 13974 (63%) 6370 4am 7406 income rom Equity Irstromants income from Cemparise Aoccuntes for bythe auity Net Fee Feet neome Feet Bperses Gain/lostet on FronciolAtet
Slide 30: Managerial Income Statement - IFRS
Managerial’ Income Statement -—IFRS. RSmition| Variation = interest ang Smilor income 1736 40,907 10.827 25.5% «interest Expense ond similar (23804) (16.268) (7.870) 46.8% Interest Income 27902-24448 3.287 13.2% Income from Equity Instruments 95 82 em come from Companies Accounted for by the Equity
Slide 31: Balance Sheet - Total Assets - IFRS
Balance Sheet - Total Assets - IFRS. ‘i R$milion Coth ond bolonces with the Brazlion Central Bonk Frnonciel essets held for tracing Other finonciel ossets ot foir valve through profitor loss 13.402 657 66 Loon ond odvences to credit institutons a5 3 6 “Loans and edvences to customers 5 : z : -Dabt i
Slide 32: Balance Sheet: Liabilities and Equity - IFRS
Balango: Passivo e Patrimdnio Liquido - IFRS R$milion jbiliies De ‘Marl Jun-l_Sep-11__ Dec-11 Financial bites held for rang 47854885337 66375047 Financial bites at amortized cost 253341 261.011 280311 283.179 29.451 = Deposits from the Breziion Cenitolank ond deposits trom crecit institutions 42992
Slide 33: Reconciliation IFRS x BRGAAP
Reconciliation IFRS x BRGAAP R$mtion - Reversal of Goodwill amortization -PPA amortization - impairment on loans andreceivables - Others 2011 3,103 oo ne 2010 3,241 146
Slide 34: Managerial Income Statement - BR GAAP
Managerial’ Income Statement-BR GAAP. R$.Mtion 2011 2010 Var. YoY Var. QoQ Net Interest Income 28,078 24,799 13.2% 3.2% Allowance for Loan Losses (9,458) (7,775) 21.6% 8.5% Net Fees? 8,950 7,803 14.7% 2.8% General Expenses® (14,430) (13,109) 10.1% 9.3% Tax Expenses (2,899) (2,341) 23.8% 12.1% Other
Slide 35: Santander Acquiring
Santander Acquiring oe Santander Acquiring Highly attractive value added to the segment SMEs In2011: ¥_ Accredit more than 147 thousand Merchants, reaching over 240 thousand Merchants (80% of goalfor 2013) ¥_ Revenves of R$ 11 billion ¥ Marketshare of 2.65% (1.17%in 2010). Target: 10% by 2013, ¥_ In
Slide 36: 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: January 31, 2012 Banco Santander (Brasil) S.A. By: / S / Amancio Acurcio Gouveia Amancio Acurcio Gou
Banco Santander (Brasil) — FY2011 Earnings Presentation on 6ix