PRESENTATION INSTITUTIONAL

3 R D QUARTER 2021 (BR GAAP)

PRESENTATION EARNINGS

RESULTS RELEASE

3Q213Q21

KEY ASPECTS OF THE

BRAZILIAN MARKET

FINANCIAL SYSTEM

FX (BRL/USD)

IMPACTED BY INSTITUTIONAL UNCERTAINTIES

INFLATION (% p.a.)

RECENT SHOCKS POSE A THREAT TO ANCHORING OF EXPECTATIONS

SELIC TARGET (% p.a.)

NECESSARY (AND STRONG) ADJUSTMENT MUST BE MADE TO KEEP INFLATION IN CHECK

GDP (% p.a.)

ECONOMIC RECOVERY IS IN JEOPARDY

AND

3.26 3.31 3.87 4.03 5.20 5.50

10.50

6.29 2.95 3.75 4.31 4.52

14.25

8.25

6.50

5.50

9.25

2.00

-3.30 1.30 1.78 1.41 -4.06

4.70

MACROECONOMY

2016 2017 2018 2019 2020 2021¹

2016

2017

2018

2019

2020

2021¹

2016 2017 2018 2019 2020 2021¹

2016 2017 2018 2019 2020 2021¹

ECONOMIC ACTIVITY

SOCIAL INDICATORS

PERFORMANCE (%)

12.6%

11.4

SEP-21 vs. JUN-21

-150bps

-3.9

-5.4

UNEMPLOYMENT

-200bps

RATE

SEP-21

SEP-21 vs. SEP-20

Sep-16Dec-16Mar-17Jun-17Sep-17Dec-17Mar-18Jun-18Sep-18Dec-18

Mar-19Jun-19Sep-19Dec-19

Mar-20Jun-20Sep-20Dec-20Mar-21Jun-21Sep-21

Industrial production

Retail sales

Volume of services

Sources: Brazilian Central Bank and IBGE 1 Santander Brasil estimate

3

CHARACTERISTICS OF THE

BRAZILIAN FINANCIAL

BRAZILIAN MARKET

SYSTEM PROFILE

PROVISION FOR LOAN LOSSES RATE

PRIMARY BALANCE AND GROSS DEBT (% of GDP)

- BY SEGMENT | BY INSTITUTION

5%

5

100

4%

2

90

2.99%

3%

-1

80

2.41%

2%

2.29%

-4

70

2.13%

-7

60

1%

1.36%

Dec-19

Jun-20Sep-20Dec-20

Sep-16

Mar-17

Jun-17

Mar-18

Jun-18

Sep-18

Jun-19

Sep-19

Jun-21

Sep-21

16-Sep

16-Dec

17-Mar

17-Jun

17-Sep

17-Dec

18-Mar

18-Jun

18-Sep

18-Dec

19-Mar

19-Jun

19-Sep

19-Dec

20-Mar

20-Jun

20-Sep

20-Dec

21-Mar

21-Jun

21-Sep

-10

50

Total

Individuals

Corporate

Public

Private

Primary balance

Gross debt

HOUSEHOLD DEBT (%)

INVESTMENT1

BRAZIL RISK

59.2

(% of GDP)

(CDS 5 years, bps)

36.5

16.0

18.1

273

206

22.7

jun-16

jun-21

sep-16

sep-21

Jul-16Oct-16Jan-17Apr-17Jul-17Oct-17Jan-18Apr-18Jul-18

Oct-18Jan-19Apr-19Jul-19Oct-19Jan-20Apr-20Jul-20

Oct-20Jan-21Apr-21Jul-21

Household debt ratio

Without mortgage loans

Mortgage loans

Sources: Brazilian Central Bank, IBGE and Santander. 1 Considering Gross Fixed Capital Formation over 12-month rolling GDP

MACROECONOMY AND FINANCIAL SYSTEM

4

SANTANDER BRASIL'S CONSOLIDATED

FOOTPRINT IN THE BRAZILIAN MARKET

PROFITABILIT

CONSOLIDATION OF

INTEGRATION OF PLATFORMS

COMMERCIAL

NPS

Y AMONG THE

A NEW WAY OF DOING BUSINESS

DIFFERENT BRANDS

TRANSFORMATION

BEST IN THE

INDUSTRY

1970 | 1998

2000

2007

2009

2014

2016

2017

2018

2019

2020

2021

SANTANDER BRASIL PROFILE

SANTANDER GROUP

ACQUISITION OF

ACQUISITION OF

INITIAL

89%

ACQUISITION OF

70%

51%

100%

THE MERIDIONAL

BANCO REAL

PUBLIC

ACQUISITION OF

SUPERDIGITAL

ACQUISITION OF

ACQUISITION

ACQUISITION

STARTS OPERATING

CONGLOMERATE

OFFERING

GETNET

RETURN

OF LOOP

OF GETNET

IN BRAZIL¹ THROUGH

ACQUISITION OF

(IPO)

60%

100%

A REPRESENTATIVE

OFFICE

BANESPA

ACQUISITION OF

ACQUISITION

ACQUISITION OF

(PRIVATIZATION)

BANCO

OF RETURN

BONSUCESSO

BANCO GERAL DO

CONSIGNADO

COMÉRCIO

ACQUISITION OF

VOLUNTARY

EXCHANGE

BANCO NOROESTE

TENDER

S.A.

OFFER

("OPA")

¹ In 1982 opened its first branch

100%

ACQUISITION OF

ACQUISITION

OF OLÉ

80% STAKE IN GIRA

CONSIGNADO

PARTIAL SPIN-OFF OF

SALE OF

SANTANDER BRASIL,

SUPERDIGITAL

SEGREGATING FROM

GETNET

ACQUISITION OF

60% STAKE IN TORO

100% ACQUISITON

OF MOBILLS AND

MONETUS

90% ACQUISITON

OF APÊ11

80% ACQUISITON OF

SOLUTION4FLEET

66.7% ACQUISITON

OF CAR10

100% ACQUISITON

OF PAYTEC

100% ACQUISITON

5

OF LIDERANÇA

COBRANÇAS

This is an excerpt of the original content. To continue reading it, access the original document here.

Attachments

Disclaimer

Banco Santander (Brasil) SA published this content on 06 December 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 06 December 2021 22:41:04 UTC.