Investor Presentaiton
CEO
Message e
Mario Leão
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In 4Q21, we initiated the implementation of a strategy to anticipate credit cycles. As a result, the current period leads to lower revenues due to the selective credit policies we
applied to our portfolio, as well as the negative sensitivity of the market activities margin to the yield curve - in addition to the loan loss allowance still at a challenging stage of
the cycle, as expected, with non-performing loans exhibiting signs of stability. We continue to have one of the most powerful platforms for individuals in Brazil, and when the
time is right, we will accelerate its expansion. We have clear opportunities for growth, which will be resumed through credit expansion, NPL reduction, and expense control.
We see opportunities in (i) customer acquisition and their loyalty, (ii) revenue and business expansion, and (iii) controlling the cost of credit.
Building the best consumer company in the country entails a culture oriented towards growth and profitability, effectively designed around the customer, with offerings that suit
their needs and through increasingly integrated and available sales channels, serving customers wherever and whenever they desire, thus allowing us to grow the frequency with
which they utilize our services and their preference for us.
Our strategy remains anchored in a horizontal culture in which empowerment, meritocracy, and diversity reinforce our performance and contribute to society's development,
and where all our people, with a business and customer perspective, become brand promoters and influencers.
Together, we continue to build our story of growth and transformation - a "non-negotiable" vision of the future here at Santander.
A sustainable and profitable company, with a unique, commercial, and ambitious culture.
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