BANCO SANTANDER (BRASIL) S.A. RESULTS
(BR GAAP)
1st QUARTER 2021
DISCLAIMER
This presentation may contain certain forward-looking statements and information pertaining to Banco Santander (Brasil) S,A, ("Santander Brasil") and its subsidiaries, which reflect the current views and / or expectations of Santander Brasil and its management regarding its business performance and future events.
Forward-looking statements include, without limitation, any statement that may predict, forecast, indicate or imply future results, performance or achievements, and may contain words such as "believe", "anticipate",
"expect", "estimate", "could", "forecast", "potential", "will likely result", or
other words or expressions of similar meaning.
Such statements are subject to several risks, uncertainties and assumptions. We caution that a number of important factors may cause actual results to differ substantially from the plans, objectives, expectations, estimates and intentions expressed herein.
We do not undertake any obligation to update or revise any forward- looking statements, whether as a result of new information, future events or otherwise. In no event shall Santander Brasil, or any of its subsidiaries, affiliates, shareholders, directors, officers, employees or agents be liable to any third party (including investors) for any investment or business decision or action taken in reliance on the information and statements contained in this presentation or for any consequential, special or similar damages.
In addition to factors identified elsewhere in this presentation, the following factors, among others, may cause actual results to differ materially from the forward-looking statements or historical performance: changes in the preferences and financial condition of our consumers and competitive conditions in the markets in which we operate, changes in economic, political and business conditions in Brazil; government interventions, resulting in changes in the Brazilian economy, taxes, tariffs or regulatory environment; our ability to compete successfully; changes in our business; our ability to successfully implement marketing strategies; our identification of business opportunities; our ability to develop and introduce new products and services; changes in the cost of our products and operating costs; our level of indebtedness and other financial obligations; our ability to attract new customers; inflation in Brazil; the devaluation of the Brazilian Real against the U.S. Dollar and interest rate fluctuations; current or future changes in laws and regulations; and our ability to maintain existing business relationships and create new relationships.
2
AGENDA
1
2
STRATEGIC | 3 | FINAL |
UPDATE | REMARKS |
1Q21 RESULTS HIGHLIGHTS
3
A TRACK RECORD OF CONSISTENT GROWTH
ACCOMPANIED BY HIGH PROFITABILITY LEVEL
OUR | OUR | OUR | OUR |
SHAREHOLDERS | PEOPLE | COMMUNITIES | CUSTOMERS |
SOLID RESULTS
- REVENUE
+7% YoY
- EFFICIENCY
35.2% -191bps
YoY
BEST LEVEL
IN OUR
HISTORY
PROFITABLE MARKET
SHARE1 GAINS | YoY
PAYROLL MORTGAGE
LOANSLOANS
19.4% +237bps | 11.9% +353bps | |||||
ORIGINATION | ORIGINATION | |||||
AGRIBUSINESS | AUTO | |||||
LOANS | LOANS | |||||
10.7% +83bps | 24.9% | |||||
CORPORATE & SME | INDIVIDUALS | |||||
LOAN | LOAN |
ROE
(%)
12.8 13.3
NET
PROFT
(R$ Bi)
6.6 7.3
- 20
- 16
16.9 19.9 21.3 21.5
19.12
12.4 14.5 15.6
10.0 13.82
20 | 20 | 20 | 20 |
17 | 18 | 19 | 20 |
20.9
4.0
RECORD-HIGH
NET PROFIT
1Q
21
ACCOLADES | 2021
BEST BANK:
• HIGH NET WORTH CLIENTS
• ESG IMPACT IN LATIN AMERICA
¹ Brazilian Central Bank, February/21. ² Considering an extraordinary provision of R$ 3.2 billion
INTERNATIONAL | LATIN FINANCE | ||
BANKER 2021 | |||
BANKING AWARDS | DEALS OF THE YEAR AWARDS | ||
• | BEST COMMERCIAL BANK | • | DOMESTIC M&A DEAL |
IN BRAZIL | • | EQUITY FOLLOW-ON | |
• | BEST CUSTOMER SERVICE | ||
PROVIDER IN SOUTH | |||
AMERICA | 4 |
SUPPORTED BY AN UNWAVERING QUEST FOR EFFICIENCY
WHICH ALLOWS US TO MOVE WITH GREATER SPEED IN EXECUTION
BEST RATIO IN THE INDUSTRY (%)
49.8 48.3
OUR | OUR | OUR | OUR |
SHAREHOLDERS | PEOPLE | COMMUNITIES | CUSTOMERS |
OPTIMIZATION
THROUGHOUT THE CHAIN
UNIT COST
PER PRODUCT
SELF-SERVICE
PROCESS
EFFICIENCY
TECHNOLOGY
44.1 45.2
40.6 41.6 43.5 40.6 42.8 42.3
38.9 37.0 35.2
20 | 20 | 20 | 20 | 20 | 20 | 1Q | |
15 | 16 | 17 | 18 | 19 | 20 | 21 | |
PROCESS SIMPLIFICATION | |||||||
MORTGAGES | CARDS | ||||||
34% | 57% | ||||||
OF THE CUSTOMER | OF DISPUTES¹ ARE FILED | ||||||
BASE USES THE | ON THE APP FOR | ||||||
MORTGAGE PORTAL | INDIVIDUAL CUSTOMERS |
SOCIAL AND ENVIRONMENTAL RESPONSIBILITY
PRIVATE
PEERS
MIGRATION
TO DIGITAL
CHANNELS
PAPERLESS | 757 | TONS SAVED | |
¹ Disputed charges | OVER 12 MONTHS | 5 | |
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Banco Santander (Brasil) SA published this content on 28 April 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 28 April 2021 12:47:19 UTC.
