Investor Presentaiton
Continuous advances in
strategic businesses
117 111
Customer base
EOE monetization
Business
expansion
Innovation and
technology
<-Santander
UNIQ
Cards
R$166 billion in
turnover in 1H23, with
R$112 billion from
credit transactions
Focus on a better risk
profile, with 97%
of acquisitions
originating from
current bank customers
(+0.6 p.p. YoY)
Partnership with Live
Nation, expansion into the
concert segment in order to
increase customer's loyalty
Launch of the Black
Corporate Card and
self-service feature
when requesting a
business card
Real Estate
We have made digital
signatures and electronic
registration available to our
customers, with a 100%
digital journey
The revenue from a real
estate customer is 2.6x
higher than that of an
active loyal account
holder
Reducing by 15%
the lead-time for
product issuance in
the 1H23
R$60 billion loan
portfolio (+7% YoY),
with origination
growing 13% over the
year
Consórcios
INVESTOR RELATIONS
R$ 36 billion
"consórcios" portfolio
(+23% YoY)
70% of auto credit
letters are paid within 2
days
+2x new groups
YOY
Growth in "consórcios"
origination
(R$ billion)
+66%
[email protected]
8.0
6.6
4.8
1H21
1H22
1H23
Insurance
0800 286 8484
FAQ www.santander.com.br/faq
We wrote a total of
R$ 5.2 billion in
premiums issued in
the1H23
14% market share
in personal
accident insurance
12% market
share in
premiums in
personal
insurance
(+2 p.p. YoY)
26% of all Consumer
Finance financing is
contracted with
insurance coverage by
Santander Auto (+0.7
p.p. YoY)
199
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