Banco Santander (brasil) S.a. · BMFBOVESPA:SANB3
Banco Santander (brasil) — Q3 2022 Earnings Presentation
30 slides from Banco Santander (brasil)'s earnings presentation, November 2022
Slide 1: Institutional Presentation 3Q22
Institutional Presentation 3 rd q u a r t e r o f 2 0 2 2 (BR GAAP) Results Earnings Presentation Release 3Q22 3Q22
Slide 2: Disclaimer
Disclaimer This presentation may contain certain forward-looking statements and In addition to factors identified elsewhere in this presentation, the following information pertaining to Banco Santander (Brasil) S,A, (“Santander Brasil”) and factors, among others, may cause actual results to differ m
Slide 3: CEO message
CEO Mario Leão In 4Q21, we initiated the implementation of a strategy to anticipate credit cycles. As a result, the current period leads to lower revenues due to the selective credit policies we applied to our portfolio, as well as the negative sensitivity of the market activities margin to the yiel
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 8.0 1.6 1.2 5.20 5.58 5.30 10.06 3.87 4.03 3.31 5.54 3.75 4.31 4.52
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) 7 100 3 90 -1 80 -5 70 18.9 313 -9 60 196 -13 50 14.8 Dec-17 Dec-18 Dec-19 Dec-20 Dec-21 Jun-1
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: Expansion of our business
Expansion of our business Through the effective connection of our ecosystem and the ever-growing loyalty of our customers Organic and inorganic 18 billion (+4% YoY) expansion, 12 Transactions/month acquisitions and Digital channels partnerships 535 over the past million (+12% YoY) Total visits/month
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: Good customer growth and focus on loyalty and profitability
Good customer Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People growth and Customers Revenues focus on loyalty (Million) (Total) and profitability +15% YoY NPS Total customers Measured daily across all key +11% businesses 57.7 YoY 56.1 51.8 +26% YoY 51 point
Slide 10: Segmentation strategy suited to each customer profile
Customer Sales Channels Innovation Culture Strategy Centricity Distribution and Profitability People suited to each customer profile Individuals Corporate Santander | Private banking SCIB Corporate Investments above R$ 5 million Global Customers List Large Santander | Select Corporate Revenue above
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 27% Individuals Individuals Corporate and SMEs Consumer Finance 46% R$ 484.3 13% billion SMEs 14% R$ billion Balance QoQ R$
Slide 12: Sales channels: experience, integration, availability and reach (physical)
Sales Channels Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People experience, integration, availability and reach Multichannel index¹ of loyal customers 98% Expansion into strategic regions Midwest, North and Physical Channel Northeast 3,000 stores Specialty
Slide 13: 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 guidance² bringing us even closer to the customer ~560
Slide 14: Sales channels: external and remote channels
Sales Channels Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People experience, integration, availability and reach External Channel we kept expanding Accelerating our expansion geographically 4,673 sales Present in representing 37% of all points 2,046 location
Slide 15: Expanding our portfolio offerings
Expanding our portfolio Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People offerings We have continued to broaden our services through Launched in June 2022, AAA is a STRATEGIC Investment model that revolutionizes the concept of investment advisory. BUSINESSE
Slide 16: Allows for greater commercial activity: cards and real estate
Allows for greater Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People commercial activity Cards Real Estate Total turnover Portfolio of loans Individual real estate Digital journey 3Q22 to individuals loan origination Lead time² for granting rose by mortgage
Slide 17: Operating in new markets
Customer Sales Channels Innovation Culture Operating in new markets Centricity Distribution and Profitability People Company operating in the Digital lending platform corporate benefits and for individuals expense management industry FGTS Assistance in FGTS-secured Journey improvement loans via What
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 We develop the best insurance products and solutions for businesses and individuals, which R$ 279 million 62%
Slide 19: Auto platform
Customer Sales Channels Innovation Culture AUTO Centricity Distribution and Profitability People Santander PLATFORM Financiamentos Market share1 LTV 23% 44.1% Loan portfolio to Individuals Auto loan portfolio Ambition of achieve Cross sell 25% in 2023 Goods and Services 109,000 Auto Origination Curr
Slide 20: SMEs platform
SMEs PMEs Customer Centricity Sales Channels Distribution Innovation and Profitability Culture People Record current account openings of Customers Benchmark 31,000/month via the digital channel PLAT New Products and Offerings ComFiança FORM Suitable and appealing offer for customers who activate We
Slide 21: 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 According to Bloomberg, we We have t
Slide 22: 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$ 34 billion (+38% YoY), 6% with a increased Agribusiness Commodities with the goal of reaching dedicated the ent
Slide 23: 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 75 points in September 2022 Top leadership Diversity and inclusion Protagonism to proximity September 2022 knowledge H
Slide 24: ESG ingrained into our culture: Environmental
Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People ESG ingrained 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 R$ 21.6 bi
Slide 25: Social: supporting the country's development
Customer Sales Channels Innovation Culture Centricity Distribution and Profitability People Social Focus on productive inclusion SANTANDER PROSPERA AMIGO DE VALOR UNIVERSIDADES MICROFINANÇAS This quarter marked the For 25 years, we have Financial inclusion beginning of the 20th edition been supporti
Slide 26: 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: ESG culture: awareness of our Structure evaluating executive 27% are women people with content and performance engage
Slide 27: Results
Results (R$ million) 3Q22 3Q22 x 2Q22 9M22 9M22 x 9M21 Net Interest Income 12,598 -1.4% 39,311 -5.2% Fees 4,734 -3.0% 14,233 2.4% Total Revenues 17,332 -1.8% 53,544 -3.3% Allowance for Loan Losses -6,209 8.1% -16,566 63.0% General Expenses -5,691 4.8% -16,656 6.8% Others -2,078 31.1% -6,492 -36.6% P
Slide 28: Financial Highlights: net interest income and fees
More information in Earnings Release 3Q22 Results Financial Highlights Fees 9M22 Cards Credit Operations Net 9M22 R$ 4.1 +18.4% R$ 1.1 -5.0% Interest billion YoY billion YoY Income Customer NII Current Account Collection Services R$ 42.3 +26.2% R$ 2.9 -0.7% R$ 1.1 -3.1% billion YoY billion YoY billi
Slide 29: Financial Highlights: NPL indicators and ratios
More information in Earnings Release 3Q22 Results Financial Highlights NPL Indicators NPL Ratios NPL 90 days 15 - 90 days 90 days 3.0% +0.58 4.3% p.p. YoY 5.9% 5.9% 6.1% 4.1% 4.0% 4.1% 5.7% 3.6% NPL 15-90 days 5.0% 5.0% 3.3% 4.6% 3.0% 4.1% 4.2%4.2% 4.3% 3.0% 2.9% 2.9% 3.0% 4.3% +0.92 3.1% 3.4% 3.5%
Slide 30: Investor Relations (Brazil)
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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