2013 Annual Report

BUSINESS PERFORMANCE MORE THAN 2 MILLION NEW CLIENTS SIMPLICITY TO GROW A simple bank, with a close relationship with its clients is the formula to grow and conquer the market. The Santander Research Team working at Torre Santander 67% GROWTH IN ACQUIRING REVENUES In 2013, Santander's business strategy in the two large segments the Banks operates in (Commercial Bank, Wholesale Bank) was to continue to be a simple bank with a close relationship with its clients, whether SMEs, large-sized corporations or clients in any income bracket. This strategy, associated with a revamping of areas, processes and internal technologies implemented in the last couple years, is in line with the growth with sustainability guideline. 53,221 million active cards Santander Select Units 61 Card Revenues +14% SOCIAL AND ENVIRONMENTAL FINANCING The concession of loan for projects and initiatives by companies that encourage sustainable development is one of the Bank's focus and one of its main tenets in the country. In 2013 Santander provided approximately R$ 2 billion in loans focused on this objective; among these, highlights projects such as eco-efficiency in the production line, energy efficiency, water consumption and sustainable constructions, to name a few. SOCIAL AND ENVIRONMENTAL FINANCING (individuals + corporate) (R$ million) 1,218 2,270 1,988 2011 2012 2013 SOCIAL AND ENVIRONMENTAL LOANS CORPORATE (breakdown by purpose) 17% 0.9% 0.03% 21% 0 33% Waste Reduction and Treatment 29% Sustainable Construction and Remodeling Energy Efficiency and Renewable Energy Cleaner production Corporate Governance Efficient Water Consumption The social and environmental credit facilities are divided into three main groups: Retail SMEs, Corporate (large-sized firms, with revenues in excess of R$80 million), and Agribusiness. In the SMEs the main products available are CDC Sustentável (Sustainable Consumer Loans), to purchase machinery and equipment that promote efficiency in water consumption or waste treatment; and the Giro Sustentável, with focus on construction, projects, consulting and certification in search of efficiency in energy or water consumption and management. Santander Financiamentos also has special facilities such as the CDC Acessibilidade (acquisition of equipment for disabled people), CDC Energias Renováveis (Renewable Energy) and CDC Produção e Processos Mais Limpos (Cleaner Production and Processes). In the Corporate segment, the Bank offers customized solutions with products and services for individual projects and clients. The main focus for the Bank's operation in this segment is energy efficiency and renewable energy projects, including treatment and management of water and/or waste, and sustainable civil construction, to name a few. In Agribusiness, Santander offers special facilities such as the Linha ABC - Agricultura de Baixo Carbono, for sustainable agriculture and cattle raising techniques; BNDES Moderagro, for projects that fit into the Programa de Modernização da Agricultura e Conservação de Recursos Naturais (such as tracing systems and soil recovery); and BNDES PSI - Bens de Capital, focused on the purchase of machinery and equipment for farming with increased energy efficiency that contribute to the reduction of greenhouse gas emissions, to name a few. 70 Annual Report 2013 71

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