PagSeguro Digital : PAGS DAY 2021 | Being part of the entire Brazilians’ financial life cycle
November 18, 2021 at 05:53 pm EST
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FÁBIO
HERSZKOWICZ
HEAD OF FINANCIAL SERVICES
Fábio Herszkowicz
Head of Financial Services
Education
Executive Education: Wharton Business School, Swiss Finance Institute and Ashridge
Bachelor's Degree: Business Administration
Professional Background
2
PAGS has entered in an underserved market…
Top 5 banks1 concentration of credit market
78% of total credit volumes for consumers
63% of total credit volumes for companies2
Brazil still has >60 million people underbanked3
Fulfilling the SMB and unbanked needs is in PAGS DNA
Leading acquiring company serving the longtail market
55% of PagBank consumers are under 34 years old vs. 30% in banks
Only 4.2% of PAGS portfolio is concentrated in the Top 100 customers
Brazil credit market (R$ trillion)
78%
63%
71%
4.7
2.5
2.2
Individuals' Loans
Companies' Loans
Total Loans
Top 5 bank concentration
Portfolio Concentration (%)
Top 100
Diversified Exposure
4.2%
95.6%
12.4%
87.6%
18.5%81.5%
1.
Source: Brazilian Central Bank. Major 5 banks (Banco do Brasil, Bradesco, Caixa Econômica Federal, Itaú Unibanco and Santander Brasil), concentration in Brazil, excluding BNDES;
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2.
Considering SMBs and mid/large companies;
3.
Source: Brazilian Central Bank and IBGE (Instituto Brasileiro de Geografia e Estatística).
…launching a complete ecosystem in 2 years…
A variety of services comprising transactional, credit offerings, and insurance products that reaffirm our mission to promote financial inclusion
Credit
Non-Credit
PagInvest
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...to serve merchants and consumers
Tailored financial solutions for each segment needs
CDs, Brz Treasury Bonds, Investment Funds, Home Broker
INSURANCE
Health, Life, Home, Credit Life, Cellphone
PERSONAL LOANS
Personal Loan, Pension Fund Backed, Public/Private Payroll Backed
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PagSeguro Digital Ltd. published this content on 18 November 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 18 November 2021 22:52:08 UTC.
PagSeguro Digital Ltd. is a disruptive provider of financial technology solutions focused primarily on consumers, individual entrepreneurs, micro-merchants, small companies, and medium-sized companies in Brazil. Its end-to-end digital ecosystem enables its merchants not only to accept payments, but also to grow and manage their businesses. It offers a two-sided ecosystem, providing banking and payments experience through a single interface, with one app, one platform and one customer support. Its digital banking ecosystem features its free PagBank digital account, under the brand PagBank, and offers about 40 cash-in methods and 13 cash-out options. Focusing primarily on individual entrepreneurs, micro-merchants, and small and medium-sized enterprises (SMEs), the Company offer a range of POS and mPOS devices specifically designed to fit their business needs. The Companyâs end-to-end payments ecosystem enables its customers to accept a range of online and in-person payment methods.
PAGSEGURO DIGITAL LTD. 
