1Q22 Earnings Release Presentation
Focus on organic
innovation
Offerings targeting each customer profile
Products sold
in retail
#Amount millions
TransferNowPayLater
"Divide Pix"
Pioneering the launch
of installment credit
IIIIII
3
Innovation
and capital
Shareholders
Customers
People
Communities
Improved end-to-end journey
Capacity
Cloud
Quick
Delivery
Lead
time
-20% YoY
(from 22 to 18
business days)
Issuance of
mortgage loans
Process
Simplification
Digital
origination
74%
of personal
loan sales
+25%
76%
90% of "Divide Pix"
users are new borrowers
10.3
of our
operations
8.2
1Q21
1Q22
INVESTIDOR RELATIONS
Toro
+90k customers in 1Q22
+227% YoY active accounts
SMES
SX integra: digital channel
for supply-chain financing
Cost to serve
Digital
customer
R$/month
[email protected]
0800 286 8484
FAQ www.santander.com.br/faq
42.6
39.8
-25% YoY
33.9
30.1
22.6
Mar-18
Mar-19
Mar-20
Mar-21
Feb-22
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