2013 Annual Report

KEY INDICATORS 21.8m million CHECKING ACCOUNTS The data presented in this report meet the local accounting standards, i.e., the Brazilian Generally Accepted Accounting Principles), (the "BR GAAP") the reference standards in financial statements among the local banks. FINANCIAL INDICATORS INET INTEREST INCOME (R$ million) FEE AND COMISSION INCOME (R$ million) ADMINISTRATIVE AND PERSONNEL EXPENSES() (R$ million) 16,297 32,380 15,842 10,674 14,430 28,078 29,827 9,680 8,805 37,000 SCHOLARSHIPS GRANTED The financial statements under BR GAAP can be viewed at www.santander.com.br/ir, in the Financial Information/ Results Center section. In the same website the visitor will see the results ascertained according to the International Financial Reporting Standards (the "IFRS"). This section both highlights the key results for the year and delves in two factors: the editorial line of the Annual Report, which purpose is integrating social, environmental, and economic results; and the positioning of the Bank towards sustainability, and that this topic should be central and not secondary to the business. The evidence of this is that our key indicators in sustainability, such as social/environmental financing, client complaints and social/cultural investments are not severed from the key financial information in this chapter - they are in fact embedded in structures that provide an overview of the business, such as Result Indicators, Client Indicators and Credit Indicators. -7.9% 10.3% 2011 2012 2013 2011 2012 2013 EFFICIENCY RATIO ROAE 47.5% 14.3% 46.8% 44.3% 12.9% 11.0% 2.9% 2011 2012 2013 (1) Administrative Expenses exclude 100% of the goodwill amortization expense. Personnel expenses include Profit Sharing. EXTERNAL SOCIAL AND CULTURAL INVESTMENT ON NET INCOME 2.7% 4.7% 4.2% 3.2p.p -1.9p.p 0.5p.p 2011 2012 2013 2011 2012 2013 2011 2012 2013 Credit Indicators THE CREDIT PORTFOLIO GREW BY 7.3% IN 2013 TO R$227.5 BILLION 2 Annual Report 2013 MANAGERIAL NET PROFIT (R$ million) 6,661 6,363 5,744 PERFORMANCE LOAN PORTFOLIO (R$ billion) 7.3% 212,0 211,7 218,1 222,1 227,5 BREAKDOWN OF LOAN PORTFOLIO (Dec./13) 33% 17% O 35% 15% SOCIAL AND ENVIRONMENTAL FINANCING (individuals + corporate) (R$ million) 1,218 2,270 1,988 -9.7% Consumer Finance Corporate SMES Individuals 2011 2012 2013 Dec/12 Mar/13 Jun/13 Sep/13 Dec/13 2011 2012 2013 -12.4p.p 3

View entire presentation