2013 Annual Report
BUSINESS PERFORMANCE
Cards
Credit and debit cards had a key
role in the review of the Bank's value
offer for individuals early in the year,
with the purpose of meeting specific
needs for clients with different profiles
while increasing client base loyalty
and transactionality.
EASY 23A
QAQ
SANTANDER
Pedr Taxi
In addition to the same segmentation
and rationale used by the Bank in the
Card sector, the service packages we
launched in February (i.e., Contas
Combinadas) helped increase the
distribution and use of credit and debit
cards. By the end of December,
Santander had 53.221 million active
cards, a 10% growth YoY 2012.
For Santander Select clients, in the
high-income bracket, the Bank play
was the Dupla Oferta Santander
Unique, with two cards for the price
of one and a shared credit limit,
which allows the client to use his/
her preferred card, no need
to swap limits.
Another innovation was the Total
Parcelado program. Designed to
organize the client's financial affairs,
for an improved organization and
spending control, this product allows
purchases in installments via credit
cards, including installments coming
due, at reduced rates and fixed
amounts and a maximum of
24 installments.
The year of 2013 was also a year
of innovation. In order to encourage
the use of credit cards, the Bank
executed a partnership agreement
with Easy Taxi while launching the
Santander Meia Bandeira program.
The project includes the payment
by the Bank of 50% of the taxi fares
when using the app in the greater
São Paulo area between 8pm-6am,
if paid with Santander credit cards.
This initiative contributed with a 14%
expansion in card revenue in 2013,
to R$183.6 billion.
Acquiring
In 2013 the Bank made an effort to
both expand and consolidate its
share in the acquiring market, i.e.,
processing transactions via POS. The
relevant fact in this area was the
structuring and acquisition of GetNet,
a former partner of the Bank in the
segment by providing the technology
platform for the transactions. The
new agreement, to be completed in
2014, is set to strengthen the Bank's
position in this market while allowing
the Bank to offer products and
innovations that facilitate the daily
transactions of SMEs.
In the client base of Santander
Brazil, SMEs were also the most
benefited by the agreement with the
Swedish firm iZettle. The partnership
brought to the country a pioneering
technology that allows firm owners
to turn cell phones and tablets in
POS. One of the main advantages in
this solution is that there are no
fixed costs such as monthly charges,
rent or minimum usage rates. The
client pays charges according to the
amount involved in each transaction,
and that is all.
The Bank recorded a 67% growth in
revenue in the acquiring segment in
2013, enjoying a market share of
5.8% compared to 4.5% YoY.
Real Estate
The Real Estate Business area operates not only in
the mortgage business for individuals and builders
but also in other areas in connection with the sector,
such as real estate funds, asset securitization
(transformation of real estate agreements into
securities traded in the secondary market).
Mortgage loans are strategic for the Bank, as it is
a low risk asset with high power for building client
loyalty; it was the loan product with the highest
growth rate in 2013, a 32.9% jump YoY in the
Individual segment.
In order to attain and take on these growth rates,
the Bank had the support of initiatives such as
the WebCasas, an online platform that brings
together realtors and developers, and also the use
of technologies that make loan assessment and
concession processes faster. One of the innovations
was the development of management and scanning
of processes, thereby allowing increased control at
every step of the process.
The year also witnessed the creation of a Real Estate
Fund, the first for the Bank, backed on mortgage
loan agreements in its portfolio.
32.9%
GROWTH IN MORTGAGE LOANS
FOR INDIVIDUALS
THE SUSTAINABILITY
PROGRAM FOR BUILDERS
G4-FS5
In 2013, the Bank maintained its investments
in the Sustentabilidade em Construção Civil
(the Sustainability Program for Builders). In an
effort to engage the sector, the Bank promoted
the sharing of good practices adopted by both
the Bank and the market among developers,
builders, clients and suppliers. The exchange
of experiences takes place in meetings and in
the Program's online community.
On the other hand, the Obra Sustentável
(Sustainable Worksite) is dedicated to
recognizing initiatives financed by the
Bank that figure out solutions for social
and environmental interferences caused by
the new building. The development that is
in compliance with the program's concepts
and criteria is awarded a recognition plaque.
In order to retain the plaque, periodical
reviews are conducted to check whether
the construction site remains as one of the
buildings recognized by the program. The
program relies on a Good Practices Guide,
and an online course on Sustainable Buildings.
74 Annual Report 2013
1. Learn more - visit www.webcasas.com.br
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