Investor Presentaiton
Portfolio
quality
Share of new
vintages
in total portfolio
Improved loan quality indicators,
with the conclusion of the adjustment period
Loan quality
(Jun/23)
Old
vintages
New
vintages
NPL 15-90 4.8%
3.8%
(+5 p.p. QoQ)
(+29 p.p. YoY)
NPL 90
3.7%
3.1%
59%
54%
48%
41%
30%
18%
0%
4Q21
1Q22 2Q22 3Q22 4Q22 1Q23 2Q23
($2
Loss Absorption of new vintages (base 100 in 4Q21)
New vintages with a better risk profile, reflected in the portfolio's profitability progression
Auto Loans (individuals)
184 192 206
100
122 124 140
4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23
INVESTOR RELATIONS
More information in
Earnings Release
2Q23
Focus on collateralized
products
66%
of the individual loan
portfolio is collateralized
(+0.6 p.p. QoQ)
(+1.7 p.p. YoY)
Cards (individuals)
O Personal Loans
233 237
216
187
139 134
100 101
109
115 120
100 98 102
4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23
[email protected]
0800 286 8484
FAQ www.santander.com.br/faq
4Q21 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23
Represents the number of times revenues are able to absorb losses, calculated as Gross
Margin + Commissions/ LLP
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