Banco Santander (brasil) S.a. · BMFBOVESPA:SANB3
Banco Santander (brasil) — 9M12 Earnings Presentation
32 slides from Banco Santander (brasil)'s earnings presentation, Oct 25, 2012
Slide 1: Banco Santander (Brasil) S.A. 9M12 BR GAAP Results
Banco Santander (Brasil) S.A. 9M12 BR GAAP Results October 25t", 2012 Santander
Slide 2: Disclaimer
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Slide 3: Table of Contents
TABLE OF CONTENTS { Macroeconomic Scenario Highlights — 9M12 Results — 9M12 Final Remarks Annexes Santander
Slide 4: Macroeconomic Scenario
MACROECONOMIC SCENARIO 1 GDP (V-0-Y growth %) Interest Rate Selic(%6) ze 1378 2008 2009 2010 2011 | 2012e 20136 2009-2010 2011 | 2012 2013e Inflation (1PCA%) Exchange Rate (RS / USS) 6s — 58 (54 54 43 | 2008 2008 2010 2011 | 2012e 2013e 2009 2010 2011 | 20122 20136 &Santand
Slide 5: Table of Contents
TABLE OF CONTENTS 7
Slide 6: Highlights — 9M vs. 9M11
HIGHLIGHTS — 9M 12 vs. 9M11 ONet profit decreases 6% Loan portfolio grows 10% O Total revenues' increase 17% O Costs under control Reduction of pace of allowance for loan losses O Balance Sheet strength SERS SUSe STCRSSErL ees ‘SSantand
Slide 7: Table of Contents
TABLE OF CONTENTS 7
Slide 8: Net Profit: Reduction of 5.7% in nine months
RESULTS NET PROFIT’: Reduction of 5.7% in 12 months ' RSMM - 2% + ST 25% r > sts 4731 1,641, 1,643. 4,501 2,328) (2,728 776| | 776 909 3a 4Q11- 1012-2012, 312 omit oM12 Accounting Net Profit Goodwill 1.73 1.73 186 | 184 1.58 1.76 Santander
Slide 9: Managerial Profit
RESULTS [Managerial Profit! (Rs mation) 929MM YoY Qoa_| Net Interest Income 24,567 20,700 18.7% 3.2% Allowance for Loan Losses (10,126) (7,181) 41.0% 15.2% Fee and Commission Income 7,386 6,631 11.4% 7.3% General Expenses? (11,694) (10,522) 111% «= 4.7% ‘Tax Expenses (2.352) (2,197) 7.0% 1.0% Other
Slide 10: Net Interest Income
RESULTS EB Nev INTEREST INCOME : Net Interest Income Breakdown' gan 4am 1012 9% 124% 12% Crecit Spread (4) 10% o9% Deposits Spread () sor 40t1 101220123012, aat 1012 Credit j Deposits © Others* Wa nam iam NII with Clients and Interest Rates SMM an Interest Rate (Quarter average) ~Selic 2012 3012 Cre
Slide 11: Net Interest Income - Loan Portfolio
RESULTS . EB net InTEREST INCOME- Loan Portfolio J Exvanded Credit Segment Breakdown* SBilion —> sar sent =~ = 5% Laced ) a nex Individuals. 00.388 63.67 88% 08% 201 221322021 Consumer Finance 98.40 92.729 11.0% 8% ‘Mes Shee 204 Tos 30% Corporate core 63,170 57% Dat 3a 4011 1a12 2012 3012 20704 198,
Slide 12: Allowance for Loan Losses - Credit Indicators
RESULTS “ ALLOWANCE FOR LOAN LOSSES - Credit Indicators NPL Over 60 dayst NPL Over 90 days* aK, ae —— a -- 71% gar att 1012 2012 sa12 ort gait 1012 20123012 ecorparate @eindviduels o-Tatal — — -Normalized by the portfolio sale Santander
Slide 13: Allowance for Loan Losses - Credit Indicators
RESULTS ALLOWANCE FOR LOAN LOSSES — Credit Indicators NPL from 15 to 90 days" NPL Over 90 days* a 71% - 51% 43% 45% 25% 32% ery eye Mtg era he Bt 23% 2a 2 gait 4att 1012 2012-3012 ort gait 1012 20123012 ecorparate @eindviduels o-Tatal — — -Normalized by the portfolio sale Santander
Slide 14: Allowance for Loan Losses
RESULTS “ ALLOWANCE FOR LOAN LOSSES 3a1t 4ait 1012 2012 3aQ12 Grass Alowanee for Loan Lossee _tlncame from recovery of writen offloane =O crac Con! ese none eng et as mar EES Santander
Slide 15: Fees and Commission Income
RESULTS EI Fees AND COMMISSION INCOME am sure an TY l i Lending Operations 798 7417.7 15% Te Current Account «1,190 1103 7.9% 4.3% 24 47 Insurance 4223 11sl 07% 0.4% aoss 2a1@ 283 2070 Collection Services? 532 446 182% 0.0% Cards? 2438 1568 363% 230% Asset Menagement® 363 959 LOK -15% Securities Bro
Slide 16: General Expenses
RESULTS GENERAL EXPENSES J General Expenses Breakdown of Expenses ‘St Depreciation and Amortization? S Millon aa AS Mion suiz smn YOY G20 124% > t [em > — Aminisvatve 5013 4ga4 82 4% Personnel 432. 4928 10.2% 28% 3,908 3,860 3,825 4007 * ° subtotal 10445 9,562 9.2% 3.8% Depreciation and Reoreciation
Slide 17: Ratios
RATIOS ~ J Efficiency Ratio" (%) Recurrence® (%6) 63.1% G1.o% 634% 63.0% 632% jimi et | 3Q11 2012 2012 OMIT OMI 3ott 2012 3012 OMIT oMI2 ROAA? (96) ROAE* (26) 1.6% 17% 14.0% 14% 1.43% 5% lil 117% 145% oy, 3Q11 2012 2012 OMIT oMIZ got 2012 3012 OMIT oMI2
Slide 18: Assets and Equity
ASSETS AND EQUITY “ Assets! —R§ Billion Equity’ R$ Billion “25% 79% + i 7 T 7 re cm 419 421 429 e1 sta 519 sant 2012 2012 san 2012 3012
Slide 19: Ratios
RATIOS ~ Coverage Retio over 90 days" lS Ratio® 182% = 377% «136.4% sant 2012 3012 3att 2012 3012 Sater! Tier!
Slide 20: Funding
FUNDING RS ilion 30123011 12M% __3M% ) Demand Deposits + Savings Deposits B77 441 15% 3% Time Deposts + Debentures’ 1296 1143 13% 6% Treasury Notes (Letras Financeiras) 253 184 37% = 7% Funding From Clients (A) 192.5 1768 % 3% () Reserve Requirements (383) (438) 13% © -2% Borrowing and Onlendings, 0
Slide 21: Table of Contents
TABLE OF CONTENTS 7 Highlights — 9M12 Results — 9M12 { Final Remarks ) Annexes
Slide 22: Final Remarks — 9M12 vs. 9M11
FINAL REMARKS — 9M12 vs. 9M11 CNet profit decreases 6% Loan portfolio and funding growth = Loan Portfolio grows 10% = Funding on balance grow 12% QRevenues* growth = Total revenues' grow 17% * Efficiency ratio presents 2.6 p.p. of improvement Q Costs control O Reduction of the pace of allowance for
Slide 23: Table of Contents
TABLE OF CONTENTS - Macroeconomic Scenario Highlights — 9M12 Results — 9M12 Final Remarks { Annexes Santander
Slide 24: Annexes — BR GAAP
Annexes — BR GAAP
Slide 25: Managerial — Accumulated
RESULTS - Managerial’ — Accumulated as million) Managerial Financial Statement (RS Million) 912 911 | NETINTEREST INCOME 24567 20700-3868 18.7% ‘Allowance fo Loan Losses (10,126) (7181) (2945) 41.0% INETIVTEREST INCOME AFTER LOAN LOSSES 148113518923 68% Fee and Commission Income Tass 662175 114% Gen
Slide 26: Managerial — Quarterly
RESULTS Managerial’ — Quarterly (Rs milion) agerial Financial Statement (RS Mi sa acti 1a12 a2 aa NET INTEREST INCOME ye 737880778379 ‘Alowancefor Loan Laseee (as) 2277) (3.001) (3.808) (3.228), [NET INTEREST INCOME AFTER LOAN LOSSES ees Feeand Commission Income 2255 231924732370 2a General Expenses
Slide 27: Balance Sheet
BALANCE SHEET 7 Assets (RS million) assets Mar? hunt “Currant Asset and Long-term Assats ‘ios? 398671301458 a4ias6 —_ai9.502 Cash and Cash Equivalents 4557 a7l S658 gato 4522 Interbank investments 2a70 25485 29,200 29.281 4,608 Securities and Derivative Financial Instrument 73.968 74616 62.870 69,71
Slide 28: Balance Sheet - Liabilities and Equity
BALANCE SHEET ~ Liabilities and Equity (as mition) Lsblities and Eau ‘current Liabilities and Long-Term Liabilities Deposits 3earao 376573 i2igis 12226 ‘Demand Deposits 11949 11,966 Saving Deposits 24,763 25727 Interbank Deposits 3056 2.990 Time Deposits 32051 81,743 ‘Money Market Funding Funds from
Slide 29: Balance Sheet - Loan Portfolio by Product
BALANCE SHEET Loan Portfolio by Product! Joi? 30H Varo 2042 ver aoa) Payot tse ss 15303 _ Agrearl toons 2a 492% 2285 3% Pesoral Lane Others 200s 21.964 93% 2355 ose Total 23053347 osx 551 ons Corporate grea! osre fe ) ae ses pe Working Cptal/ Otbere sues sto 2434 exsst aa Total sosos 92313 toe soo a
Slide 30: IFRS vs. BR GAAP: Reconciliation
RESULTS 7 IFRS vs. BR GAAP: Reconciliation . (Rs mittion 9mi2 M11 NET PROFIT - BR GAAP 2,003 2,690 Reversal of Goodwill Amortization 2728 2,328 MANAGERIAL NET PROFIT - BR GAAP 4731-6018 Impairment on Loans and Receivables 43) 78 others 40) 862 NET PROFIT - IFRS 4642 -5,956
Slide 31: Santander Acquiring
SANTANDER ACQUIRING J inoma2: O We have already achieved the target for 2012: reaching over 364 thousand merchants (121% of goal for2012) OO Market share of 3.88% in sep/12 (2.06% in sep/11). Target: 10% by 2013 ([ snanaerncasrng (Coma (Coe om = oom | att = 25 sn = Sea [ce ||
Slide 32: 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: October 25, 2012 Banco Santander (Brasil) S.A. By: / S / Amancio Acurcio Gouveia Amancio Acurcio Gou
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