2013 Annual Report

ECONOMIC/FINANCIAL INFORMATION (BR GAAP) Consumer finance The consumer finance portfolio, which is originated outside the branch network, closed 2013 at R$ 37,849 million, up 2.8% (or R$ 1,043 million) in 12 months. Of this total, R$ 30,539 million refers to vehicle financing for individuals. Therefore, the total vehicle portfolio for individuals, including operations originated through car dealers and Santander's branch network, amounted to R$ 33,732 million in 2013, an increase of 3.0% in 12 months. Corporate and SMEs loans Corporate and SMEs loans closed 2013 at R$ 114,111 million, up 9.9% (or R$ 10,246 million) in 12 months. The Corporate loan portfolio came to R$ 80,400 million, growth of 19.3% (or R$ 13,021 million) in 12 months, being positively impacted by the exchange rate variation. Excluding this impact, growth would have come to 14.2% in 12 months. CONSUMER FINANCE (R$ Billion) 37.8 36.8 35.6 Individual and Corporate Loan Portfolio by Product BREAKDOWN OF MANAGERIAL CREDIT PORTFOLIO BY PRODUCT (R$ MILLION) 2013 2012 Change 2013x2012 Individuals Leasing / Auto Loans (1) 3,193 2,744 16.3% Credit Card 17,221 16,174 6.5% Payroll Loans (2) 13,719 14,772 -7.1% Payroll Loans originated by the bank 13,058 13,548 -3.6% Acquired portfolio 661 1,224 -46.0% Mortgages 15,702 11,812 32.9% 2,740 2,163 26.7% 22,948 23,621 -2.9% 75,522 71,287 5.9% Loans to SMEs totaled R$ 33,712 million in 2013, down 7.6% (or R$ 2,775 million) in 12 months. The reduced growth pace of this portfolio reflects the more moderate pace of economic activity throughout the year, as well as our efforts to prioritize the profitability of this business. However, the bank will maintain its focus on the segment and will continue working on solutions that will permit growth with quality. Agricultural Loans Personal Loans / Others Total Individuals Consumer Finance CORPORATE (R$ Billion) 114.1 Dec/11 Dec/12 Dec/13 103.9 95.8 60 Annual Report 2013 80.4 67.4 64.0 Corporate SMES 31.9 36.5 33.7 Dez/11 Dez/12 Dez/13 37,849 36,806 2.8% Corporate and SMEs Leasing/Auto Loans 3,337 3,508 -4.9% Real Estate 9,497 7,789 21.9% Trade Finance 17,102 15,948 7.2% On-lending Agricultural Loans Working capital / Others Total Corporate and SMEs 9,944 7,811 27.3% 2,290 2,221 3.1% 71,942 66,588 8.0% 114,111 103,865 9.9% Total Credit Other Credit Risk Transactions with clients(3) 227,482 211,959 7.3% 52,330 44,005 18.9% Total Expanded Credit Portfolio 279,812 255,964 (1) Including the loans to individual in the consumer finance segment, auto loan portfolio totaled R$ 33,732 MM in 4Q13, R$ 32,765 MM in 4Q12, R$ 33,138 MM in 3Q13. (2) Includes acquired payroll loan portfolio. (3) Includes "Debenture", FIDC, CRI, Floating Rate Notes, Promissory Notes, Acquiring activities related assets and guarantees. 9.3% 61

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