Investor Presentaiton
CREATING SHAREHOLDER VALUE
ROBUST ECOSYSTEM
AS A VALUE
GENERATION TOOL
SOLID BALANCE
SHEET AND ASSET
QUALITY
OPERATIONAL
EXCELLENCE BY
INDUSTRIALIZING THE
VALUE CHAIN
CROSS-SELL
NEW INITIATIVES
sim. emDia. ben
Santander Auto
TORO I
1
WHOLESALE ENHANCEMENT
(i) CAPITAL MARKETS
(ii) ENERGY AND COMMODITIES
DESKS
PREDICTIVE RISK MODELS THAT
ENABLE FAST ADJUSTMENT TO
DIFFERENT CIRCUMSTANCES
•
ASSERTIVE RISK STRATEGY
INDIVIDUALS COLLATERALIZED
LOAN PORTFOLIO+ PAYROLL
LOANS²/ INDIVIDUALS LOAN
PORTFOLIO IN DEC-20
•
LOWER UNIT COST PER
SERVICE
DIGITAL TRANSFORMATION
-96%
REWORK IN BUSINESS
ACCOUNT OPENINGS
AT OUR BRANCHES
1
76%
SUSTAINABLE RESULTS AND SOLID PROFITABILITY
Santander Pending regulatory approvals. 2 As of this quarter, includes the Olé Consignado's portfolio
OUR
SHAREHOLDERS
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