Investor Presentaiton
Key aspects of the
Brazilian market
Funding Instruments
Macroeconomy and Financial System
Type of Deposits
Current Rate
Mandatory Allocation
Current Remuneration
(maximum rates)
Allocation
Demand Deposit
Reserve Requirement
21%
Cash deposit in Bacen
Reserve Requirement - Additional
0%
Rural Loan
31.5%
Microcredit
Free Funding
Savings Deposit
2%
Allocate 31.5% for Rural Loan
Allocate 2% for microcredit
12% p.a.
4% p.m.
45.5%
Real Estate Financing
65%
Allocate 65% for real estate financing
TR + 12%¹ p.a.
Reserve Requirement
20%
Reserve Requirement - Additional
Cash deposit in Bacen
Mandatory allocation was extinguished
TR+6.17% p.a. or 70%² of Selic
Free Funding
15%
Time Deposit
Reserve Requirement
20%
Reserve Requirement - Additional
Cash deposit in Bacen
Mandatory allocation was extinguished
Selic
Free Funding
INVESTOR RELATIONS
80%
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0800 286 8484
FAQ www.santander.com.br/faq
1
It is applied to regulated interest rate. 2 If the Selic rate target is equal or less than
8.5%, remuneration will be TR+70% of the effective Selic Rate.
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