Banco Santander (brasil) S.a. · BMFBOVESPA:SANB3
Banco Santander (brasil) — Q3 2021 Earnings Presentation
20 slides from Banco Santander (brasil)'s earnings presentation, October 2021
Slide 1: Results (BR GAAP) 3rd Quarter 2021
RESULTS (BR GAAP) 3 R D Q UA RT E R 2 0 2 1
Slide 2: Disclaimer
DISCLAIMER This presentation may contain certain forward-looking statements and In addition to factors identified elsewhere in this presentation, the information pertaining to Banco Santander (Brasil) S,A, (“Santander Brasil”) following factors, among others, may cause actual results to differ and i
Slide 3: Monthly management results table by segment
Mensal Sem Capital Tipo informação R$ Mil Avance Set21 Negocios Ago21 valores / 1 Avance Set21 Negocios Ago21 versus set/21 ago/21 set/21 ago/21 CASCADA Corporate Demais SCIB Market Mesa Financeir Real Toro Corporate Demais SCIB Market Mesa Financeira Toro Corporate Demais SCIB Market Mesa Financeir
Slide 4: We continue to deliver profitability
OUR OUR OUR OUR STRATEGY SHAREHOLDERS CUSTOMERS PEOPLE COMMUNITIES WE CONTINUE TO DELIVER PROFITABILITY ROAE HIGHEST TOTAL RETURN² ROAE EVER (TOTAL RETURN ANALYSIS) (%) 5 YEARS 22.4 21.6 21.3 21.1 20.6 19.9 111 1 19.1 16.9 NET PROFIT R$ 4.3Bi 90 IBOV 13.3 3Q21 12.8 20 20 20 20 20 20 1Q 2Q 3Q Dec-16
Slide 5: Record growth in customer acquisition
OUR OUR OUR OUR QoQ STRATEGY SHAREHOLDERS CUSTOMERS PEOPLE COMMUNITIES R E CO R D G RO W T H I N C U S TO M E R 51.8MM +1,566k TOTAL CUSTOMERS ACQ U I S I T I O N WITH EVOLUTION IN QoQ +747k +819k LOYALTY PACE 80% 22.1 NPS OF REVENUES 62 MM ACTIVE ACCOUNT POINTS HOLDERS 14.8 MM 7.5 MM 7.4 MM 6 OR MO
Slide 6: Providing sustainability and profitability
OUR OUR OUR OUR STRATEGY SHAREHOLDERS CUSTOMERS PEOPLE COMMUNITIES PROVIDING SUSTAINABILIT Y AND PROFITABILITY + O F 74% ACTIVATED OVER +ACQUISITION +ACTIVATION 6 MONTHS¹ +PROFITABILITY THOUSANDS/ MONTH RECORD REVENUE PER CUSTOMER 872 +70% CUSTOMERS WITH MORE THAN 6 PRODUCTS +1.9x 514 REVENUES OVER
Slide 7: Our digital platform
OUR OUR OUR OUR STRATEGY SHAREHOLDERS CUSTOMERS PEOPLE COMMUNITIES O U R D I G I TA L OPPORTUNITIES GENERATED FROM OVER PLATFORM 1.5 Bi VISITS IN 3Q21 +ACQUISITION THOUSANDS/ MONTH CAPTURING SHARE OF COST OF +217% OPPORTUNITIES REVENUES¹ SERVING² 50% INSURANCE RECORD 24% OF ACQUIRED 18% CREDIT R$ 28
Slide 8: End-to-end digital service model
OUR OUR OUR OUR STRATEGY SHAREHOLDERS CUSTOMERS PEOPLE COMMUNITIES END-TO-END DIGITAL SERVICE MODEL +269% 233 3MM +128% 63 CONTRACTS YoY CAPITALIZATION IN 3Q21 CONTRACTS (THOUSANDS) LOAN 3Q20 3Q21 287 +88% 153 OPEN¹ INSURANCE ARTIFICIAL INTELLIGENCE CONTRACTS (THOUSANDS) 3Q20 3Q21 +18MM +21K INTERAC
Slide 9: Strong culture with market-recognized engagement
OUR OUR OUR OUR STRATEGY SHAREHOLDERS CUSTOMERS PEOPLE COMMUNITIES OUR BUSINESS IS SUSTAINED BY A STRONG CULTURE, WITH A MARKET-RECOGNIZED LEVEL OF ENGAGEMENT DIVERSITY CULTURE TOP LEADERSHIP & INCLUSION & LEADERSHIP PROXIMITY 56 VIRTUAL 39k EMPLOYEES 31% 27% 5% +3k 77% EVENTS PER EVENT¹ OF LEADERSH
Slide 10: Commitment to society
OUR OUR OUR OUR COMMITMENT TO STRATEGY SHAREHOLDERS CUSTOMERS PEOPLE COMMUNITIES SOCIETY SINCE 2002, LEADING THE WAY IN CREATING SUSTAINABLE BUSINESSES Named THE MOST Named to Fortune Magazine’s ENVIRONMENTAL SUSTAINABLE COMPANY “CHANGE THE WORD” LIST by Época Negócios 360º SUSTAINABLE ESG LINKED LO
Slide 11: Leadership in social governance
OUR OUR OUR OUR STRATEGY SHAREHOLDERS CUSTOMERS PEOPLE COMMUNITIES LEADERSHIP SOCIAL GOVERNANCE IN SOCIAL AMIGO DE VALOR SINCE 2002 THOUSANDS PEOPLE HAVE BENEFITED ESG AS A METRIC FOR EVALUATING EXECUTIVE PERFORMANCE INITIATIVES PROSPERA SINCE 2002 +667K CUSTOMERS +R$ 1.7Bi PORTFOLIO BOARD OF DIRECT
Slide 12: Agenda
AGENDA STRATEGIC 3Q21 RESULTS TAKEAWAYS UPDATE HIGHLIGHTS 12
Slide 13: Results
RESULTS RESULTS (R$ million) 3Q21 3Q20 3Q21 x 3Q20 2Q21 3Q21 x 2Q21 Net Interest Income 14,617 12,434 17.6% 13,424 8.9% Fees 4,831 4,260 13.4% 4,700 2.8% Total Revenues 19,448 16,694 16.5% 18,124 7.3% Allowance for Loan Losses -3,676 -2,916 26.1% -3,325 10.6% General Expenses -5,480 -5,104 7.4% -5,1
Slide 14: Net interest income
NII RESULTS YEARLY AND QUARTERLY GROWTH IN BOTH CUSTOMER AND MARKET ACTIVITY MARGINS NET INTEREST INCOME (R$ million) 10.2% 10.2% 10.3% MARGINS (R$ million) 3Q21 3Q21 x 3Q20 3Q21 x 2Q21 14,617 Customers 12,092 14.8% 5.4% 13,424 12,434 2,524 1,951 Product NII 11,928 16.9% 5.3% MARKET NII 1,900 15% Vo
Slide 15: Portfolio, liquidity and capital
PORTFOLIO (R$ billion) RESULTS RETAIL IS THE HIGHLIGHT 13% 2% Sep/ 21 x Sep/ 21 x 450.3 (R$ million) Sep/21 Sep/20 Jun/21 397.4 439.8 13.4% 13.6% Individuals 200,157 21.3% 5.5% 13.1% Consumer finance 63,259 9.1% 1.7% 29.3% 27.9% 69% 30.8% PORTFOLIO SEP/21 SMEs 61,072 17.3% 3.7% 14.1% 14.0% COLLATERA
Slide 16: Fees and costs
FEES COSTS RESULTS SUPPORTED BY GROWING LOYALTY AND HIGHER PRESSURED BUT BELOW INFLATION TRANSACTIONALITY IN THE YEAR GENERAL EXPENSES (R$ million) (R$ million) 3Q21 3Q21 x 3Q20 3Q21 x2Q21 Cards 1,255 31.0% 9.5% INFLATION 7% AT 10.25% OVER Current account 975 -4.6% 1.0% 12 MONTHS 7% Insurance 892 19
Slide 17: Portfolio quality
PORTFOLIO QUALITY RESULTS INDICATORS AT CONTROLLED LEVELS, IN LINE WITH VOLUME AND MIX NPL INDICATORS ALLOWANCE FOR LOAN LOSSES (R$ million) COST OF CREDIT 15 - 90 DAYS 2.6% 2.7% 2.9% 5.2% 5.0% 4.6% 4.8% 4.3% 2,916 3,325 3,676 3.1% 3.6% 3.3% 3.4% 2.8% 4,071 4,798 3,754 1.7% 1.5% 1.2% 1.1% 1.2% -837
Slide 18: Agenda
AGENDA STRATEGIC 3Q21 RESULTS TAKE AWAYS UPDATE HIGHLIGHTS 18
Slide 19: Takeaways
TAKEAWAYS TAKEAWAYS PROFITABILITY RECORD CUSTOMER SUSTAINABLE INCREASE CONSISTENCY, ACQUISITION, WITH IN TOTAL REVENUES, REACHING THE LOYALTY AND BANKING SUPPORTED BY GREATER HIGHEST LEVEL IN INCLUSION RISING AT A TRANSACTIONALITY OUR HISTORY AT FAST PACE 22.4% COST OF CREDIT UNDER CEASELESS QUEST F
Slide 20: Investor Relations (Brazil)
Investor Relations (Brazil) Av, Juscelino Kubitschek, 2.235, 26th floor São Paulo | SP | Brazil | 04543-011 Phone: 55 11 3553 3300 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 | Person
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