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Trends KPMG The Brazilian Financial System has followed many of the trends in the international banking market and over the past few years the market has addressed some issues such as: Digital transformation: SFN has undergone a continuous evolution and digital transformation, especially in the form of customer experience. More recently, an instant payment system (PIX) was implemented by the Central Bank, in addition to the phased implementation of “Open Banking", which generates an expectation of market reconfiguration with the entry of new players. ESG - Environmental, Social and Governance: The ESG agenda is becoming more and more a priority and can be considered a success factor for players that operate in the market and have greater capacity to meet the ESG agenda. Banking: Increasing the number of people with a banking relationship has been one of the great challenges and opportunities in the market, which has revealed new business models with successful projects. Regulatory environment: The transition of the regulatory environment closer to international precepts has increased interest in the brazilian financial system and contributed to the analysis of performance and business management. Some regulatory asymmetries are noted that must be compensated with regulatory revisions and their application to different types of market participants. Economic environment: The current economic environment with base interest rates at levels much lower than historical ones, combined with a strong demand for infrastructure and sanitation projects as well as driven by financing related to the agribusiness and real estate sector, are other examples of opportunities related to the brazilian financial system. © 2021 KPMG Auditores Independentes Ltda., a Brazilian limited liability company and a member firm of the KPMG global organization of independent member firms affiliated with KPMG International Limited, a private English company limited by guarantee. All rights reserved. BD210890 Página 95

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