Investor Presentaiton
SOLID NATIONAL
FINANCIAL SYSTEM
BRAZILIAN MARKET
PROFILE
CONCENTRATED
5 LARGEST BANKS
70% 72%
TOTAL LOAN
DEC-20
R$ 4,018Bi
56%
44%
+5.2% QoQ
Loans¹
Customers
Deposits
.1
DEC-20
SOLID
TOTAL FUNDING
R$ 9,472Bi
TOTAL LOAN SHARE
55%
45%
Dec-16
Dec-20
Public banks
Private banks
19.6%
19.4%
17.2%
16.0%
9.8%
BIS RATIO²: 16.3%,
ABOVE THE 10.25%
REQUIRED BY THE
BRAZILIAN CENTRAL
Santander
BANK
COVERAGE RATIO³:
297.2%
+4.4% QoQ
371
407
407
414
357
AuM (Anbima);
53.1%
Deposits4
38.4%
Other5
8.4%
Dec-16
Dec-17
Dec-18
Dec-19
Dec-20
I Reserve Requirement (R$ Billion)
Reserve Requirement/Total Deposit
3
As disclosed by each institution, as of December 2020. 2 Brazilian Central Bank, Financial Stability Report of October 2020, as of June, 2020. ³ Brazilian Central Bank, as of December
2020.4 Total deposit considers demand, savings and time deposits. 5 Including debentures, real estate credit notes (LCI), agricultural credit notes (LCA), financial bills, secured real
estate notes (LIG) and structured transaction certificates (COE)
6View entire presentation