1Q22 Results and Strategic Update
Focus on four
interconnected
pillars:
00
Sales
channels
Distribution
Chan
nels
Aim to build the
best sales platform
in Brazil
Integrated sale and
post-sale offering
Customers served
24x7 however
they want
Omni-channel approach
Digital channel
key pillar for our
integrated, multi-
channel offering
Physical channel
competitive advantage
versus digital peers;
redesigning our store of the
future; bank-to-go
Remote sales channel
from "customer
support" to powerful
cost-efficient sales
channel
External channel
exponential growth
into several new
regions in Brazil
Innovation
Capital
Capitano
vation
1 Among the private-sector banks
TransferNowPay
Later
"Divide Pix"
Pioneering the launch
of installment credit
90% of "Divide Pix"
users are new borrowers
Home-Equity
Market leaders¹
23.4% total market share
SMES
SX integra: digital channel
for supply-chain financing
Capital: solid shareholders
returns and payouts
One of the best ROE globally
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