Banco Santander (brasil) S.a. · BMFBOVESPA:SANB3
Banco Santander (brasil) — Investor Presentation (September 2011)
31 slides from Banco Santander (brasil)'s investor presentation, Sep 29, 2011
Slide 1: Investor presentation: Delivering profitable growth
® Santander INVESTOR... DE LIVERING PROFITABLE growrl o—_______Marcial Portela Brazil q
Slide 2: Disclaimer
Disclaimer ' Banco Santander Brasi) S.A. (‘Santander Brazi") and Banco Santander, SA. ("Santander’ both caution that his presentation contains forward-Jooking statements. These forvarclocking statements are found in various places throughout this presentation and Lunceraintes and cther important fac
Slide 3: Summary
Summary | nn (X) Growth delivery delayed Santander VW] IT platform integrated Brazil from : I 2008-11 A sew siceina | Income |) Net Profit & Costs (yg Efciency iv) Brazilian economy and banking sector Encouraging outlook for coming years Sustainable credit growth Maximize operating leverage, improvi
Slide 4: Index
Index ON P41) Business evolution | 2.) susiness environment | 3) strate C4) targets for2012and 2013 | Sn
Slide 5: Index
Index Sm
Slide 6: Customer oriented: a universal bank focused in retail
Customer oriented: a universal bank ) focused in retail Largest foreign Bank in Brazil and 3" Revenues’ by Segment - Jun/11 private Bank in total assets Commercial w 11.4% market share? in terms of Bank branches 10.3% market share? in loans 86% 24 million customers? © Individuals: 23.0 million © Cor
Slide 7: Customer oriented: Strong presence in all segments
Customer oriented: Strong presence in all Cr) segments Credit Portfolio’ USS Billion 9.5% CAGR: ae 1H11/2008 91.3 : ‘4 Individuals 14.0% @ SMEs 219 m Corporate 28.5 Consumer Finance 15.8 2008 1H11 LO Sa
Slide 8: Global franchise: scale and expertise
Global franchise: scale and expertise Bring the best of the Group to Brazil f the we ° Sroy
Slide 9: Efficiency: Income growth coupled with effective cost control
Efficiency: Income growth coupled with effective cost control... SE Bilion Spanish Gaap = * CAGR:11% -_ 165 198 205 HOU oe 2008 = 2009-2010 1H11 Spanish Gaap 2008 = 2009 2010S 1H14 15S Bion ‘Spanish Gaap cacr26%, _ 48 (3.9 3.0 23 E: ' : E 2008 =©2009 = 2010 1H14 HD Minority interests | GR Net profit
Slide 10: Convergence in efficiency relative to main local peers
...which led to a convergence in efficiency in relation to main local peers Efficiency Ratio' % 58.5 2008 41H11 GH Santander] @Bcompetitor-B) _HCompetitor-A|
Slide 11: Prudent Risk Management: Comfortable Coverage Ratio and Correct Risk Pricing
Prudent Risk Management: Comfortable Coverage ANY Ratio and Correct Risk Pricing ‘Spanish GAAP Spanish GAAP. 5.9% 82% 6.1% 57, 5.0% 5.1% 102% yoy, 99% 98% 101% 102% Dec08 Jun09 DecO9 Jun.10 Dec.10 Jun.11 Dec.08 Jun.09 Dec.09 Jun.10 Dec.10 Jun.t1 cee ‘Re Premier =(RPLI=RPLET «Chg te Wteoscleeryhings
Slide 12: Solid Balance Sheet: Strong capital base and prudent liquidity risk management
Solid Balance Sheet: Strong capital base and « ) prudent liquidity risk management BIS Ratio (%) Loans / Deposits (%) BR GAAP 'BR GAAP 25.6% 403% 108% = 111% LULL 2008 = 2009, 2010, 1H11 2008 =©2009 2010 1H11 Tier! mTier Il om , ————= 7
Slide 13: Business environment
Index X (2) Business environment Sn
Slide 14: Brazil: Consistent and profitable growth opportunity
Brazil: Consistent and profitable growth opportunity > Sustainable 3-4% GDP growth . Substantial planned investments F-.4 . Social mobility room for greater Ww bankarization Asolid Financial System Sustainable credit growth due to solid macro fundamentals . *
Slide 15: Sustainable 3-4% GDP growth due to sound macroeconomic conditions
1. Sustainable 3-4% GDP growth due > to sound macroeconomic conditions Real GDP Gro’ %) 75 61 5 52 0.6 2004 2005 2006 2007 2008 2009 2010 2011e 2012e 2013e
Slide 16: Strong domestic fundamentals
1. Strong domestic fundamentals ON USS biton External debt’ 350 351 51% Sa nfiation 12 months % - PCA 11.5% 17.8% Interest Ratet ~ Sel 11.0% 11.0% 6.7% @ 7.0% 2004 2005 2008 2007 2006 2009 2010 201te 20126 2013e 2004 2005 2006 2007 2008 2009 2010 20118 20126 20128 SS
Slide 17: Robust pipeline of infrastructure investment in the coming years
2. Robust pipeline of infrastructure investment in the \ coming years Brazil Investment Schedule (2011-2016), R$ 1 trillion Petrobras Pre-Salt’ cp. 4%, World Cup 3% Olympic Games Other PAC investment ME, aaa aon
Slide 18: Social mobility provides room for greater bankarization
3. Social mobility provides room for greater bankarization \ Social Mobility Trend GDP Per Capita and Formal Job Millon of individuals gg GOP Per Capita (RS thousand) Formal job creation @Mllion) ge CAGR: 10.1% moma +15 million jobs created 207 we 2003 2011 2014 FF PKS KM pe PPK + 46 million people
Slide 19: A solid, profitable and well capitalized Financial System
4. Asolid, profitable and well capitalized Financial > System *inenam epi equied 17.7 188 474 47.0 Hifi oct 2008 2009 2010 1H11 2008 2009 2010 _1H11 Concentration of Bi 29 i (6 major banks) BOERS) ves 2004 4H11 2008 2009 2010 4H41 Seryeeo
Slide 20: —_—z==rs
>» —_—z==rs as as as i ss
Slide 21: Strategy
Index N 3) Strategy
Slide 22: We are moving towards our goals
We are moving towards our goals... ’ —| 2008 - 2011 +} 2011 - 2013 (7) IT platform integration .~@ Outgrow the market ~@ Profitability convergence iJ) Cost synergies y Asingle brand integration Prudent Risk Management wv eeecge Quality in customer services Intensify customer relationships Commercial
Slide 23: Better in customer services
Better in customer services oY ’ Leverage robust technological platform Customer Satisfaction target wo ore e CRM ww Customer friendly [ L L L [| 6] : evita Aprii0 SepitOmeritt 2013, Quality of services Bainetorrarket New Branches target 100-120 @ Infrastructure 110 110 per | 2010 2011* 2012/2013
Slide 24: Closer to the customer
Closer to the customer o' To be the bank of choice of our customers by 2013 Customer - Individuals Improve value proposition papers for each customer segment i —_ 9 Increase customer satisfaction fl 20117 2013 Increase penetration in Loyal Customer’ - Individuals our current customer base tn mon CAG
Slide 25: Commercial punch in key areas
Commercial punch in key areas eee Total Active Customers ag Credit Card +250 Penetration’ 4 Td ze @ oo ag © i | w Commercial Agreements 2011* 2013 2011* = 2013 — a ‘Share? #200 bp ps CT 10% 14% an 2011* 2013 2011* 2013 2011* 2013
Slide 26: Identified cross-sell opportunities
Identified cross-sell opportunities «9 Auto Finance X Insurance suze | Number of Policies’ Active Current Same (Sol tough the Auto Finance astibuton channel) (Linkage wth SMEs customers) 300 100 2011* 2013 BE 2013 Market Share Payroll - Product Penetration Uisattenky (Wholesale Share) Ea "Soy be aot
Slide 27: Marketing - Capitalizing global branding initiatives
Marketing - Capitalizing global branding (>) initiatives e. 3A Rye SANTANDER al ‘© Support strategic plan © In three years to become the bank of choice of our customers
Slide 28: Risk premium by segment normalizing after 4Q11
Risk premium by segment normalizing after 4Q11 Comfortable coverage ratio Provisions: growing in line with the lending portfolio and the business mix =
Slide 29: Targets for 2012 and 2013
Index 0 Targets for 2012 and 2013 Sm
Slide 30: Targets for 2012 and 2013
Targets for 2012 and 2013 > Targets 2012 and 2013 ‘Spanish Gaap Growth in R$ - % CAGR Net Profit: Ca. 15% CAGR 2012-2013 — X B
Slide 31: 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: September 29, 2011 Banco Santander (Brasil) S.A. By: / S / Amancio Acurcio Gouveia Amancio Acurcio G
Banco Santander (Brasil) — Investor Presentation (September 2011) on 6ix