Investor Presentaiton
Customer
finance
Customer base
EOE monetization
Business
expansion
Payroll loans
R$ 63
billion
portfolio
(+13% YoY)
>
Innovation and
technology
Origination
growth
higher than
the market
Share of Wallet | Loyal Customers
Santander
Financiamentos
Market share¹
22%
auto loans to individuals'
portfolio
Auto loans portfolio
for individuals¹
R$ 58.3
billion
Cross-selling
LTV2
49.8%
auto loans portfolio
Origination
R$ 215 thousand
Agreements on the 2Q23
and market share of 20%
(+2 p.p. YoY)
Origination Mix
sim
Loan platform for the
open market
Strategy based on growth
with quality
Ecosystem strength
Santander ecosystem has enabled an
expansion of the strategy, leveraging
an efficient operation to capture the
market with a comprehensive value
proposition
Origination of
personal loan
234 mil
Enrolled
customers
24%
19%
16%
New customers to the bank
76%
81%
84%
on the 1H23
R$ 294
million
(+24% YoY)
2Q22
1Q23
Top Ratings (9 and 10)
2Q23
Other Ratings
in the 1H23
8.9
million
(+12% YoY)
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M
I
-
B
INVESTOR RELATIONS
[email protected]
0800 286 8484
FAQ www.santander.com.br/faq
49%
51%
Apr/22
Apr/23
Digitalization strategy
of agreements, with 252 digitalized and
219 originated in the 1H23.
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1 Source: Central Bank of Brazil, base date May 2023 2 Base date: June 2023
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