Santander Brazil has experienced growth in income and net profit in recent years through expanding its customer base and credit portfolio. However, its strategic plan for 2011-2013 aims to maximize operating leverage and improve efficiency by focusing on sustainable credit growth, customer satisfaction, and becoming customers' bank of choice. The presentation outlines Santander Brazil's business model, performance, and strategic targets to enhance its position as Brazil's banking sector grows.
Banco Santander, comprometido con la sociedad de Río de JaneiroBANCO SANTANDER
El Programa Río Comunidades, creado en 2011 por el Banco, a través de la División Global Santander Universidades, en colaboración con el Ayuntamiento de Río de Janeiro, ha beneficiado por el momento a 35.000 personas de seis comunidades de renta baja en la capital carioca. Les ofrece herramientas de capacitación, formación, profesionalización y ayuda a la inclusión social.
Con el apoyo de la ONG AfroReggae y diez universidades brasileñas, este programa busca beneficiar a los habitantes de las siguientes comunidades: Complexo do Alemão; Parada de Lucas; Vigário Geral; Nova Era; Cantagalo, y Vila Cruzeiro. Se desarrolla entre 2011 y 2016, y pretende facilitar la capacitación de estas personas para trabajar, entre otros, en eventos mundiales como la Copa del Mundo celebrada en este año, y los Juegos Olímpicos que se celebrarán en 2016.
Banco Santander, comprometido con la sociedad de Río de JaneiroBANCO SANTANDER
El Programa Río Comunidades, creado en 2011 por el Banco, a través de la División Global Santander Universidades, en colaboración con el Ayuntamiento de Río de Janeiro, ha beneficiado por el momento a 35.000 personas de seis comunidades de renta baja en la capital carioca. Les ofrece herramientas de capacitación, formación, profesionalización y ayuda a la inclusión social.
Con el apoyo de la ONG AfroReggae y diez universidades brasileñas, este programa busca beneficiar a los habitantes de las siguientes comunidades: Complexo do Alemão; Parada de Lucas; Vigário Geral; Nova Era; Cantagalo, y Vila Cruzeiro. Se desarrolla entre 2011 y 2016, y pretende facilitar la capacitación de estas personas para trabajar, entre otros, en eventos mundiales como la Copa del Mundo celebrada en este año, y los Juegos Olímpicos que se celebrarán en 2016.
Universidade dos Açores recebe Programa Santander UniversidadesBANCO SANTANDER
O Banco Santander Totta, a través do Santander Universidades, e a Universidade dos Açores assinam na próxima 2ª feira, dia 20 de Julho, um acordo de parceria, que irá trazer à comunidade universitária numerosas vantagens.
Santander Universidades entrega 100 becas del Programa Fórmula Santander 2015BANCO SANTANDER
Este viernes, Santander Universidades, a través del presidente de Santander Brasil, Jesús Zabalza y del piloto bicampeón del mundo, Fernando Alonso, han hecho entrega de 100 becas a alumnos de 47 universidades brasileñas participantes en el programa durante la VI edición del Programa Fórmula Santander.
Santander y Alonso cierran la sesión de Wall Street y entregan ayudas para lo...BANCO SANTANDER
Santander y Alonso cierran la sesión de Wall Street y entregan ayudas para los afectados por Sandy
■ La filial de Banco Santander en Estados Unidos dona 250.000 dólares a la Cruz Roja Americana para apoyar a quienes han sufrido las consecuencias del huracán.
Banco Santander strengthens its relationship with Bank of Shanghai and its su...BANCO SANTANDER
Banco Santander’s chairman Emilio Botín met the chairman of Bank of Shanghai (BoS), Fan Yifei, today, while on a visit to China, to review progress in the cooperation agreement the two banks signed last December when Santander acquired an 8% stake in BoS. At the meeting, at Bank of Shanghai’s offices, the chairman of Santander stressed the bank’s interest in China, where it has several agreements to develop consumer finance and investment banking businesses.
Universidade de Évora integra Santander UniversidadesBANCO SANTANDER
A Universidade de Évora e o Banco Santander Totta assinaram esta sexta-feira, dia 19 de Junho, um protocolo que estabelece uma parceria através da qual o Banco, como mecenas, passa a apoiar a instituição de ensino superior na realização de projetos e atividades com vista ao seu desenvolvimento, ao reforço do seu prestígio e da excelência do seu ensino e da sua investigação. O protocolo foi assinado pela Reitora da Universidade de Évora, Professora Doutora Ana Maria Costa Freitas, e pelo Presidente Executivo do Banco Santander Totta, Dr. António Vieira Monteiro.
Banco Santander reúne a 60 universidades con la tecnología más puntera en Val...BANCO SANTANDER
Representantes de universidades presentes en 8 países han celebrado el III Congreso Internacional de la Tarjeta Universitaria Inteligente (TUI) en Valparaíso (Chile), para avanzar y buscar nuevas aplicaciones tecnológicas al servicio de los casi ocho millones de universitarios que se benefician de las ventajas de la Tarjeta Universitaria Inteligente (TUI), que Banco Santander por medio de Santander Universidades emite conjuntamente con 302 instituciones académicas de 12 países.
Banco Santander será colaborador estratégico de la Industria de Alimentación ...BANCO SANTANDER
Banco Santander ha firmado un convenio con la Federación Española de Industrias de Alimentación y Bebidas (FIAB) que convierte a la entidad en colaborador financiero de referencia dentro del Marco Estratégico para la Industria de Alimentación y Bebidas, iniciativa que pretende impulsar el crecimiento de esta industria y convertirla en locomotora de la economía, el empleo y la imagen de España en los próximos seis años.
Santander, elegido Mejor Banco de Europa Occidental y España por la revista E...BANCO SANTANDER
Euromoney ha nombrado a Santander como Mejor Banco de Europa Occidental. La publicación señala que el banco es “único” por tener una calificación crediticia mayor que la de la deuda soberana de su país de origen. Destaca su diversificación geográfica, basada en “un modelo de filiales autónomas en capital, algunas cotizadas fuera de España”.
Universidade dos Açores recebe Programa Santander UniversidadesBANCO SANTANDER
O Banco Santander Totta, a través do Santander Universidades, e a Universidade dos Açores assinam na próxima 2ª feira, dia 20 de Julho, um acordo de parceria, que irá trazer à comunidade universitária numerosas vantagens.
Santander Universidades entrega 100 becas del Programa Fórmula Santander 2015BANCO SANTANDER
Este viernes, Santander Universidades, a través del presidente de Santander Brasil, Jesús Zabalza y del piloto bicampeón del mundo, Fernando Alonso, han hecho entrega de 100 becas a alumnos de 47 universidades brasileñas participantes en el programa durante la VI edición del Programa Fórmula Santander.
Santander y Alonso cierran la sesión de Wall Street y entregan ayudas para lo...BANCO SANTANDER
Santander y Alonso cierran la sesión de Wall Street y entregan ayudas para los afectados por Sandy
■ La filial de Banco Santander en Estados Unidos dona 250.000 dólares a la Cruz Roja Americana para apoyar a quienes han sufrido las consecuencias del huracán.
Banco Santander strengthens its relationship with Bank of Shanghai and its su...BANCO SANTANDER
Banco Santander’s chairman Emilio Botín met the chairman of Bank of Shanghai (BoS), Fan Yifei, today, while on a visit to China, to review progress in the cooperation agreement the two banks signed last December when Santander acquired an 8% stake in BoS. At the meeting, at Bank of Shanghai’s offices, the chairman of Santander stressed the bank’s interest in China, where it has several agreements to develop consumer finance and investment banking businesses.
Universidade de Évora integra Santander UniversidadesBANCO SANTANDER
A Universidade de Évora e o Banco Santander Totta assinaram esta sexta-feira, dia 19 de Junho, um protocolo que estabelece uma parceria através da qual o Banco, como mecenas, passa a apoiar a instituição de ensino superior na realização de projetos e atividades com vista ao seu desenvolvimento, ao reforço do seu prestígio e da excelência do seu ensino e da sua investigação. O protocolo foi assinado pela Reitora da Universidade de Évora, Professora Doutora Ana Maria Costa Freitas, e pelo Presidente Executivo do Banco Santander Totta, Dr. António Vieira Monteiro.
Banco Santander reúne a 60 universidades con la tecnología más puntera en Val...BANCO SANTANDER
Representantes de universidades presentes en 8 países han celebrado el III Congreso Internacional de la Tarjeta Universitaria Inteligente (TUI) en Valparaíso (Chile), para avanzar y buscar nuevas aplicaciones tecnológicas al servicio de los casi ocho millones de universitarios que se benefician de las ventajas de la Tarjeta Universitaria Inteligente (TUI), que Banco Santander por medio de Santander Universidades emite conjuntamente con 302 instituciones académicas de 12 países.
Banco Santander será colaborador estratégico de la Industria de Alimentación ...BANCO SANTANDER
Banco Santander ha firmado un convenio con la Federación Española de Industrias de Alimentación y Bebidas (FIAB) que convierte a la entidad en colaborador financiero de referencia dentro del Marco Estratégico para la Industria de Alimentación y Bebidas, iniciativa que pretende impulsar el crecimiento de esta industria y convertirla en locomotora de la economía, el empleo y la imagen de España en los próximos seis años.
Santander, elegido Mejor Banco de Europa Occidental y España por la revista E...BANCO SANTANDER
Euromoney ha nombrado a Santander como Mejor Banco de Europa Occidental. La publicación señala que el banco es “único” por tener una calificación crediticia mayor que la de la deuda soberana de su país de origen. Destaca su diversificación geográfica, basada en “un modelo de filiales autónomas en capital, algunas cotizadas fuera de España”.
Canadian Banking Industry: Performance and PerspectivesCognizant
Canadian banks are well positioned for new growth, as long as they quickly and cost-effectively upgrade their legacy systems and apply risk mitigation strategies to expand into new geographies and offer ancillary products that will incrementally improve the top and bottom lines.
Santander InnoVentures makes its first investment in Brazil via digital lendi...BANCO SANTANDER
Santander InnoVentures, the fintech venture capital fund of Santander Group, announced today an investment in the startup Creditas, the leading Brazilian secured lending platform. This is Santander InnoVentures’ first investment in Brazil and second in Latin America.
Fundación Repsol beca con el apoyo de Fundación Universia a trece universitar...BANCO SANTANDER
Trece estudiantes universitarios, ocho de grado y cinco de máster, han sido seleccionados en la IV Convocatoria de Becas Fundación Repsol destinadas a personas con discapacidad para la realización de estudios superiores en áreas técnicas. Fundación Universia ha colaborado un año más en el proceso de convocatoria y selección de los becados.
Santander recupera la gestión de los cajeros automáticos y de las tarjetas de...BANCO SANTANDER
Santander rehace las alianzas que Banco Popular mantenía con terceras entidades para recuperar la gestión de negocios estratégicos y facilitar la integración, con el foco puesto en la mejora de la experiencia del cliente. La entidad ha alcanzado un acuerdo con Euro Automatic Cash, sociedad propietaria de los cajeros de Popular, que permite a todos los clientes del Grupo Santander (Santander, Popular, Pastor y Openbank) utilizar gratuitamente una red total de 7.500 cajeros en España. Desde octubre, los clientes de Popular ya podían utilizar gratuitamente los cajeros propiedad de Santander, pero aún faltaba por cerrar el acuerdo con esta sociedad, necesario para que los clientes de Santander tuviesen también acceso, sin coste, a la red de cajeros de Popular.
Santander renueva la imagen de marca para reforzar su estrategia digitalBANCO SANTANDER
La presidenta de Banco Santander, Ana Botín, ha presentado hoy en la junta de accionistas la nueva imagen de marca de la entidad, más moderna y adecuada a los canales digitales y el móvil, para adaptarse al nuevo entorno, transmitir mejor la nueva cultura corporativa y reforzar la estrategia de convertirse en una plataforma digital y abierta de servicios financieros, con el objetivo de alcanzar la cifra de 30 millones de clientes digitales en 2018.
Santander InnoVentures invierte en Roostify, una startup que permite formaliz...BANCO SANTANDER
Santander InnoVentures, el fondo de capital emprendedor en tecnología financiera de Grupo Santander, ha anunciado hoy una inversión en Roostify, una empresa emergente con sede en San Francisco (California) que permite digitalizar todo el proceso para formalizar el contrato de una hipoteca, e incluso hacer las gestiones con el móvil. Roostify se fundó en 2014 para acelerar y simplificar la firma de las hipotecas y eliminar el uso de papel, además de reducir costes en el proceso.
Álvaro Antonio Cardoso de Souza to join Banco Santander's board of directorsBANCO SANTANDER
The board of directors of Banco Santander, in a meeting held yesterday in San Francisco (USA), called this year’s Ordinary Shareholders’ Meeting, which is expected to take place on second call on March 23rd. The agenda for the shareholders’ meeting includes the appointment of Álvaro Antonio Cardoso de Souza as an independent member of the board. He is currently non-executive chairman of the board of Santander Brasil.
Álvaro Antonio Cardoso de Souza se incorporará al consejo de administración d...BANCO SANTANDER
El consejo de administración de Banco Santander, reunido ayer en San Francisco (Estados Unidos), ha convocado la próxima Junta General Ordinaria de Accionistas, que previsiblemente se celebrará el 23 de marzo en segunda convocatoria. El orden del día de la Junta prevé el nombramiento como consejero independiente de Álvaro Antonio Cardoso de Souza, actual presidente no ejecutivo del consejo de administración de Santander Brasil.
Más de 20.000 personas en situación de vulnerabilidad reciben el apoyo de Ban...BANCO SANTANDER
En línea con su misión de contribuir al progreso de las personas, las empresas y la sociedad, Banco Santander ha contribuido durante 2017 a la mejora de la calidad de vida de más de 20.000 personas en situación de vulnerabilidad mediante su Programa Santander Ayuda, que promueve a través de la Fundación Banco Santander.
O santander obtém um lucro atribuído de 6.619 milhões de euros em 2017, uma s...BANCO SANTANDER
O Banco Santander S.A. (‘Santander’) obteve um lucro atribuído de 6.619 milhões de euros em 2017, representando um aumento de 7% face ao ano anterior, após registrar um encargo líquido de mais-valias e saneamentos de 897 milhões. O crescimento dos resultados reflete a qualidade e recorrência das receitas, o bom controle de custos e as melhorias na qualidade de crédito.
O Santander registrou tendências positivas nos negócios, com aumentos das receitas em oito dos seus dez mercados principais. As receitas totais subiram 10%, para 48.392 milhões de euros, com crescimentos da margem de juros e das receitas por comissões de 10% e 14%, respectivamente. Os custos de exploração aumentaram a um ritmo menor do que as receitas, permitindo um incremento da margem líquida de 12%.
Santander attributable profit for 2017 reaches 6,619 million euros - up 7%BANCO SANTANDER
Banco Santander S.A. (‘Santander’) increased attributable profit by 7% to €6,619 million during 2017 after €897 million of net capital gains and provisions, with growth driven by further improvements in the quality and recurrence of revenues combined with good cost control and an overall strengthening in credit quality. The Group continued to see positive trends across its businesses, with revenues increasing in eight of its ten core markets. Total income increased by 10% to €48.4 billion with net interest income and fee income increasing by 10% and 14% respectively. Operating expenses increased at a lower rate than revenues, leading to a 12% increase in net operating income.
Resultados 2017 Santander obtiene un beneficio atribuido de 6.619 millones de...BANCO SANTANDER
Banco Santander S.A. (‘Santander’) obtuvo un beneficio atribuido de 6.619 millones de euros en 2017, lo que supone un aumento del 7% respecto al año pasado, tras registrar un cargo neto de plusvalías y saneamientos de 897 millones. El crecimiento de los resultados refleja la calidad y recurrencia de los ingresos, el buen control de costes y las mejoras en la calidad crediticia. Santander registró tendencias positivas en los negocios, con incrementos de los ingresos en ocho de sus diez mercados principales. Los ingresos totales subieron un 10%, 48.392 millones de euros, con crecimientos del margen de intereses y de los ingresos por comisiones del 10% y del 14%, respectivamente. Los costes de explotación aumentaron a un ritmo menor que los ingresos, lo que permitió un incremento del margen neto del 12%.
Santander lanza la primera gama de fondos de inversión sostenibles en EspañaBANCO SANTANDER
Banco Santander incorpora a su oferta de productos de inversión colectiva una gama nueva de fondos para responder a la demanda creciente de inversión responsable y sostenible. El banco lanza esta semana dos nuevos fondos mixtos, bajo la gama Santander Sostenible, e inicia así un camino para convertirse en una referencia en España en este ámbito.
Banco Santander, líder mundial en el Bloomberg Gender Equality IndexBANCO SANTANDER
Banco Santander se mantiene un año más su presencia en el Bloomberg Gender-Equality Index (GEI), índice de referencia en el ámbito internacional que valora las políticas e iniciativas de las empresas en el fomento de la diversidad, entre sus empleados, clientes y sociedad.Con una valoración total de 93,4 puntos sobre 100, Banco Santander ocupa el primer puesto en este índice de un total de 104 entidades participantes de diferentes sectores (finanzas, comunicación, energía, bienes de primera necesidad, materiales, tecnología, etc…)
El programa Explorer impulsará las ideas de más de 1.200 jóvenes emprendedore...BANCO SANTANDER
Esta semana ha comenzado la actividad en los 52 Explorer Spaces distribuidos por toda España y Portugal en el marco del programa Explorer ‘Jóvenes con ideas’, impulsado por Banco Santander a través de Santander Universidades y coordinado por el Centro Internacional Santander Emprendimiento (CISE). El Explorer Space que el programa posee en la Universidad de Buenos Aires, Argentina, iniciará las sesiones en marzo.
Santander y su filial Bank Zachodni WBK adquieren el negocio de banca minoris...BANCO SANTANDER
Banco Santander S.A. (“Santander”) y su filial en Polonia, Bank Zachodni WBK (“BZ WBK”), han anunciado hoy que han acordado la compra del negocio minorista y de banca privada de Deutsche Bank Polska, S.A. (excluyendo su cartera de hipotecas en divisa extranjera e incluyendo las acciones de DB Securities, S.A. (Poland)) por un importe total estimado de 305 millones de euros.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
The European Unemployment Puzzle: implications from population agingGRAPE
We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
2. Disclaimer
Banco Santander (Brasil) S.A. (“Santander Brazil”) and Banco Santander, S.A. ("Santander") both caution that this presentation
contains forward-looking statements. These forward-looking statements are found in various places throughout this presentation and
include, without limitation, statements concerning our future business development and economic performance. While these forward-
looking statements represent our judgment and future expectations concerning the development of our business, a number of risks,
uncertainties and other important factors could cause actual developments and results to differ materially from our expectations.
These factors include, but are not limited to: (1) general market, macro-economic, governmental and regulatory trends; (2)
movements in local and international securities markets, currency exchange rates and interest rates; (3) competitive pressures; (4)
technological developments; and (5) changes in the financial position or credit worthiness of our customers, obligors and
counterparties. The assumptions for the perspectives on slide 32 are included in slides 22, 23, 26, 27 and 28, 29 and 31 of this
presentation. The risk factors that Santander Brazil and Santander have indicated in its past and future filings and reports, including
those with the Securities and Exchange Commission of the United States of America (the “SEC”) could adversely affect our business
and financial performance. Other unknown or unpredictable factors could cause actual results to differ materially from those in the
forward-looking statements.
Forward-looking statements speak only as of the date on which they are made and are based on the knowledge, information
available and views taken on the date on which they are made; such knowledge, information and views may change at any time.
Unless otherwise provided in applicable regulations, neither Santander Brazil nor Santander undertake any obligation to update or
revise any forward-looking statement, whether as a result of new information, future events or otherwise.
The information contained in this presentation is subject to, and must be read in conjunction with, all other publicly available
information, including, where relevant any fuller disclosure document published by Santander Brazil and Santander. Any person at
any time acquiring securities must do so only on the basis of such person's own judgment as to the merits or the suitability of the
securities for its purpose and only on such information as is contained in such public information having taken all such professional
or other advice as it considers necessary or appropriate in the circumstances and not in reliance on the information contained in the
presentation. In making this presentation available, Santander Brazil and Santander give no advice and make no recommendation
to buy, sell or otherwise deal in shares in Santander Brazil, Santander or in any other securities or investments whatsoever.
Neither this presentation nor any of the information contained therein constitutes an offer to sell or the solicitation of an offer to buy
any securities. No offering of securities shall be made in the United States except pursuant to registration under the U.S. Securities
Act of 1933, as amended, or an exemption therefrom. Nothing contained in this presentation is intended to constitute an invitation or
inducement to engage in investment activity for the purposes of the prohibition on financial promotion in the U.K. Financial Services
and Markets Act 2000.
Note: Statements as to historical performance or financial accretion are not intended to mean that future performance, share price or
future earnings (including earnings per share) for any period will necessarily match or exceed those of any prior year. Nothing in this
presentation should be construed as a profit forecast.
2
3. Summary
Growth delivery delayed
Santander IT platform integrated
Brazil from
2008-11
Income Net Profit &
Jaw widening
Costs
Efficiency
Brazilian
Encouraging outlook for coming years
economy and Sustainable credit growth
banking sector
Maximize operating leverage, improving
Strategic plan customer satisfaction and become the
for 2011-13 bank of choice of our customers
3
4. Index
1 Business evolution
2 Business environment
3 Strategy
4 Targets for 2012 and 2013
4
5. Index
1 Business evolution
2 Business environment
3 Strategy
4 Targets for 2012 and 2013
5
6. Our Business Model
A universal bank focused in retail
Customer oriented
Strong presence in all segments
Global franchise Scale and expertise
Aim to be the best bank
Cost Efficiency
in cost efficiency
Prudent risk Comfortable coverage ratio
management Correct risk pricing
Strong capital base and prudent
Solid balance sheet
liquidity risk management
6
7. Customer oriented: a universal bank
focused in retail
Largest foreign Bank in Brazil and 3rd
Revenues¹ by Segment – Jun/11 private Bank in total assets
Commercial 11.4% market share2 in terms of
Bank branches
10.3% market share2 in loans
86%
24 million customers³
Individuals: 23.0 million
Corporate: 1.0 million
9.3 million Current Active Account Holders
11%
11.9 million Credit Cards
3% Global Banking
and Markets Infrastructure
Asset
Management 3.7 thousand points of sale
and Insurance 176 new branches (Jun11/Jun10)
18,099 ATMs
1- Spanish Gaap, Includes net interest income, net fees, gain (losses) on financial transactions and other operating incomes
2- Brazil Central Bank: Last data available: Jun/11
3- Total Retail Customers (non-active and active customers) 7
8. Customer oriented: Strong presence in all
segments
Credit Portfolio¹
US$ Billion
9.5% CAGR:
1H11/2008
CAGR 114.6
91.3 38.6
Individuals 25.0 14.0%
26.4
SMEs 21.9
Corporate 28.5 31.1
4.6%
Consumer Finance 15.8 18.5
2008 1H11
* Exchange rate R$/US$ of Jun/11: 1.5638
1- Includes credit portfolio acquired from other banks 8
9. Global franchise: scale and expertise
Bring the best of the Group to Brazil….
Global scale and synergies
Corporate IT platform
Exchange of global best
practices
Global corporate customer
base
9
10. Efficiency: Income growth coupled with effective
cost control...
Income Net Profit
US$ Billion Spanish Gaap Spanish Gaap
US$ Billion
CAGR:11%
20.5 CAGR:26%
16.5 19.8
11.1 4.8
3.9
3.0
2008 2009 2010 1H11 2.3
3.7 4.0
2.9
1.9
Cost (*)
US$ Billion Spanish Gaap 2008 2009 2010 1H11
CAGR: -1% Minority Interests
Net profit Attributable
7.1 6.7 6.9
3.6
The year 2011 suffers from
impacts of the integration
2008 2009 2010 1H11
Average Constant Fx Rate R$/US$ of Jun/11: 1.6311
(*) Cost: without depreciation and amortization. 10
11. ...which led to a convergence in efficiency in
relation to main local peers
Efficiency Ratio¹ %
BR GAAP
58.5
48.1 46.2
46.1
45.5 44.0
2008 1H11
Santander Competitor-B Competitor-A
Source: Published Financial Statments (BR GAAP)
1. General Expenses /Total Income (Interest Income, fees, revenues from 11
insurance and other operational revenues/expenses and tax expenses)
13. Solid Balance Sheet: Strong capital base and
prudent liquidity risk management
BIS Ratio (%) Loans / Deposits (%)
BR GAAP BR GAAP
25.6%
4.9% 22.1% 21.4%
103% 108% 111%
3.1% 2.9% 95%
14.7%
11%¹
4.0%
10.8% 20.7% 19.0% 18.6%
2008 2009 2010 1H11 2008 2009 2010 1H11
Tier I Tier II
¹ Minimum BIS ratio required
13
14. Index
1 Business evolution
2 Business environment
3 Strategy
4 Targets for 2012 and 2013
14
15. Brazil: Consistent and profitable growth opportunity
1. Sustainable 3-4% GDP growth
2. Substantial planned investments
3. Social mobility room for greater
bankarization
4. A solid Financial System
5. Sustainable credit growth due to
solid macro fundamentals
15
16. 1. Sustainable 3-4% GDP growth due
to sound macroeconomic conditions
Real GDP Growth (%)
7.5
6.1
5.7 5.2
4.0 3.8 3.6 4.2
3.2
-0.6
2004 2005 2006 2007 2008 2009 2010 2011e 2012e 2013e
Source: Brazil Central Bank and IMF Estimates
16
17. 1. Strong domestic fundamentals
Net Public Debt / GDP (%) International Reserves
(Total consolidated public sector) and External Debt
US$ billion
External debt¹ 350 351
51%
340
38% 36% 309
201
Reserves
53
2004 2005 2006 2007 2008 2009 2010 2011e 2012e 2013e 2004 2005 2006 2007 2008 2009 2010 2011e 2012e 2013e
Inflation target Unemployment Rate (%)
Inflation 12 months % - IPCA
11.5%
17.8% Interest Rate% – Selic
11.0% 11.0%
7.6 6.7% 7.0%
4.2
6.6
2004 2005 2006 2007 2008 2009 2010 2011e 2012e 2013e 2004 2005 2006 2007 2008 2009 2010 2011e 2012e 2013e
Source: Brazil Central Bank, Santander Research Estimates and IMF Estimates
1. Includes private and public sector external debt 17
18. 2. Robust pipeline of infrastructure investment in the
coming years
Brazil Investment Schedule (2011-2016), R$ 1 trillion
Petrobras Pre-Salt¹
13% 4% World Cup
3% Olympic Games
Other PAC
investment
80%
Sources: Brazil World Cup official website / Brazilian Ministry of Development . 2016 Olympic Games Brazilian Candidacy Dossier / Santander estimates
1. In Brazil, recently was discovered its biggest oil reserves in the pre-salt layer, estimates of recoverable volumes are at 6 to 10 billion barrels of oil&gas.
18
19. 3. Social mobility provides room for greater bankarization
Social Mobility Trend GDP Per Capita and Formal Job
Million of individuals GDP Per Capita ( R$ thousand) Formal job creation (Million)
∆abc= 46 ∆abc= 19
CAGR: 10.1%
23 31
A/B 13 + 15 million jobs created 22.7
24.8
since 2003 20.7
C 66
+55% 102 +11% 113 16.0 16.6 16.8
14.2
12.8
10.711.7 2.9
D 47 9.5 2.4
1.8 1.8 1.9 1.8 1.7
39 0.8
40
E 49
26 16
2003 2011 2014
+ 46 million people moved to upper and middle class and a further
19 million expected by 2014
Source: Brazil Central Bank , Instituto Brasileiro de Geografia e Estatística (IBGE) and Fundação Getúlio Vargas (FGV)
19
20. 4. A solid, profitable and well capitalized Financial
System
BIS Ratio (%) Reserve Requirements¹
*Minimum capital required
R$ billion
17.7 18.6 17.4 395 419
17.0
Brazil* 11% 172 194
Basel* 8%
2008 2009 2010 1H11 2008 2009 2010 1H11
Concentration of Business²
ROE³ (%)
(6 major banks)
19.4 17.4 17.7
70% 15.7
52%
2001 1H11 2008 2009 2010 1H11
Source: Brazil Central Brank 1. Requirements regarding the amount of funds
that banks must hold in reserve against deposits made by their customers. 20
2. Includes credit, mutual funds and deposits. 3. Net Profit / Equity
21. 5. Credit expansion: Sustainable Growth
Growth resulted from improved economic conditions
Origination to hold model
Mortgage penetration is low with reduced LTVs
Debt servicing ratio is not a concern
21
22. 5. Credit expansion: Sustainable Credit Growth
Credit Growth Opportunities to grow
31% 214% 203%
53%
21% 133% in 2013
21% 16% 15%
15% 15%
47%
9% 88% 81% 52%
3% 4%
2011E
2012E
2013E
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
UK US Euro Zone Brazil
Mortgage/GDP Credit/GDP
Credit growth/nominal GDP growth ratio: 1.5 – 2.0x
System can sustainably grow around 15-16% per year
Source: European Mortgage Federation (EMF) 2009, World Bank 2009, Brazil
Central Bank (April, 2011) and Santander Research. 22
23. Index
1 Business evolution
2 Business environment
3 Strategy
4 Targets for 2012 and 2013
23
24. We are moving towards our goals…
2008 - 2011 2011 - 2013
IT platform integration Quality in customer
services
Outgrow the Intensify customer
market relationships
Profitability Commercial punch in
convergence key segments
Cost synergies Cross-sell
A single brand Brand Building
integration
Prudent Risk Prudent Risk Management
Management
24
25. Better in customer services
Leverage robust technological platform
Customer Satisfaction target
1st
3rd 3rd
4rd 4rd
CRM
Customer friendly
nov/10 Apr/10 Sep/10 mar/11 2013
Quality of services
New Branches target
Time-to-market
100-120
Infrastructure 110 110 per year
2010 2011* 2012/2013
Source: Research Benchmark de Satisfação by Ibope
(*) Estimate full year. 25
26. Closer to the customer
To be the bank of choice of our customers by 2013
Customer¹ - Individuals
Improve value proposition In million
for each customer segment 1
10
9
Increase customer satisfaction
2011* 2013
Increase penetration in Loyal Customer² - Individuals
In million
our current customer base
CAGR: 20%
5.0
3.5
Growth in customer base
2011* 2013
1- Total Active Current Customers
2 - Customer has a basket of products (package rates, overdraft limit, credit cards) 26
(*) Estimate full year.
27. Commercial punch in key areas
SME Credit Cards – Issuer Business
Thousand
Total Active Customers Credit Card New Commercial
+ 250 Penetration¹ Agreements
800
550
58%
64% +
2011* 2013 2011* 2013
Santander Acquiring Mortgage Auto Finance
Market Share Market Share² Market Share
+100 bp
+200 bp
10% 14%
25% 27% 13%
2% 7,0%
2011* 2013 2011* 2013 2011* 2013
1- Active Current Customer with unblocked credit card
2- Does not consider Caixa Economica Federal (CEF) 27
(*) Estimate full year.
28. Identified cross-sell opportunities
Auto Finance X Insurance SMEs X Owner
Thousand Thousand
Number of Policies¹ Active Current Customers
(Sold through the Auto Finance distribution channel) (Linkage with SMEs customers)
320
300 230
100
2011* 2013 2011* 2013
BNDES X SMEs Corporate X Individuals
Market Share Payroll - Product Penetration
(Total Bank) (Wholesale Share)
29% 32%
7%
6%
2011* 2013 2011* 2013
(*) Estimate full year.
1. Sold by the autofinance distibution channel
28
29. Marketing - Capitalizing global branding
initiatives
2010 2013
Brand
Attractiveness Top 3
5º
Support strategic plan
In three years to become the
bank of choice of our customers
Source: Millward Brown “Brand Tracking” (2010)
29
30. Santander Brazil is prepared to capture the growth
opportunity with quality risk management
Risk function is Correct risk pricing is always
independent fostered
Efficient collection Risk model proved in
process different scenarios
Risk premium by segment normalizing after 4Q11
Comfortable coverage ratio
Provisions: growing in line with the lending portfolio and the business mix
30
31. Index
1 Business evolution
2 Business environment
3 Strategy
4 Targets for 2012 and 2013
31
32. Targets for 2012 and 2013
Targets for 2012 and 2013
Spanish Gaap
Growth in R$ - % CAGR
Revenues: 14-16%
Net Profit:
Costs (includes amortization): 11-13% Ca. 15%
CAGR
2012-2013
Total Credit: 15-17%
32