2013 Annual Report
KEY INDICATORS
Client Indicators
MANAGERIAL ANALYSIS(1) - BR GAAP
2013
2012 2013X2012 CHANGE
RESULTS (R$ million)
Net Interest Income
29,827
32,380
-7.9%
TOTAL CURRENT ACCOUNTS
(in thousands)
RANKING OF COMPLAINTS FILED WITH THE BRAZILIAN CENTRAL BANK
(Santander Brazil's monthly position)
Fee and Commission Income
10,674
9,680
10.3%
Allowance for loan losses
(11,720)
(13,223)
-11.4%
General expenses (2)
(16,297)
(15,842)
2.9%
Managerial Net Profit(3)
5,744
6,363
-9.7%
21,808
1°
1°
1°
1° 1° 1°
1°
1°
20,789
19,322
3º
3°
2°
I BALANCE SHEET (R$ MILLION)
2º
2°
Total assets
485,866
448,876
8.2%
2013
Securities
78,146
76,832
1.7%
4°
4°
5°
5°
5°
5°
5°
6°
6°
2012
7°
7°
Loan Portfolio
Individuals
227,482
211,959
7.3%
75,522
71,287
5.9%
Consumer finance
37,849
36,806
2.8%
SMES
33,712
36,487
-7.6%
Corporate
80,400
67,379
19.3%
Extended credit portfolio(4)
279,812
255,964
9.3%
222,067
199,193
11.5%
53,446
50,514
5.8%
4.9%
Funding from clients(5)
2011
2012
2013
Jan
Feb Mar Apr May
Jun
Jul
Aug
Sep
Oct Nov
Dec
Equity(6)
PERFORMANCE INDICATORS (%)
Return on average equity excluding goodwill(6) - annualized
11.0%
12.9%
-2.0 p.p.
Return on average asset excluding goodwill (6) - annualized
1.3%
1.5%
-0.2 p.p.
Efficiency ratio(7)
47.5%
44.3%
3.3 p.p.
Recurrence ratio (8)
65.5%
61.1%
4.4 p.p.
Environmental and Social Indicators
BIS ratio (9)
19.2%
20.8%
-1.6 p.p.
PORTFOLIO QUALITY INDICATORS (%)
Delinquency (over 90 days)
3.7%
5.5%
-1.8 p.p.
CO₂ emissions
(t)
WOMEN IN LEADERSHIP
POSITIONS
UNIVERSITIES -
Delinquency (over 60 days)
4.6%
6.6%
-2.0 p.p.
TOTAL SCHOLARSHIPS GRANTED
24.9%
Coverage rate (over 90 days)
179.4%
125.6%
53.9 p.p.
OTHER DATA
80,290
76,665
53,621
37,202
22,861
15,790
16,107
9,312
8,070
O
37,030
Assets Under Management - AUm (10) (R$ million)
144,942
134,935
7.4%
Number of credit and debit cards (thousand)
53,221
48,362
10.0%
Branches
2,313
2,407
(94)
17,627
PABS (mini branches)
ATMs
Total customers (in thousands)
1,253
1,381
(128)
16,958
17,793
(835)
29,512
27,315
2,197
2011
2012
2013
Scope 1: refrigerant gases, generators and vehicle fleet
Scope 2: purchase of electricity
Scope 3: air travel, organic waste with third-parties,
papa-pilhas, power consumption at third-party
premises, and transport of valuables and
chartered buses
Total current accounts (11) (in thousands)
8,121
Employees
75.1%
SOCIAL AND ENVIRONMENTAL INDICATORS
110.0%
Women in leadership positions
24.9%
25.5%
-2.0%
Women
Men
2011
2012
2013
Social and environmental financing (individuals + corporate) (R$ million)
Total social and cultural investment (R$ thousand)
1,988
2,270
-12.4%
99,466
113,828
-12.6%
Total number of scholarships granted
37,030
17,627
110.1%
*CO2 emissions (t)(12)
Scope 1
16,106
15,790
2.0%
Scope 2
37,202
22,861
62.7%
Scope 3
53,621
76,665
-30.1%
21,808
20,789
1,019
49,621
53,992
(4,371)
4 Annual Report 2013
(1) Excludes 100% of goodwill amortization expenses, the fiscal hedging effect and other adjustments, as stated on pages 67 and 68. Additionally, the 2012 figures were retroactively
impacted by Resolution CVM 695, issued on December 2012, on employee benefits, especially pension funds.
(2) Administrative expenses exclude 100% of the goodwill amortization expenses. Personnel expenses include Profit Sharing.
(3) Managerial Net Profit corresponds to net income before profit sharing plus 100% of the reversal of expenses in relation to the amortization of goodwill for the period.
(4) Includes other credit risk transactions with clients (debentures, FIDC, CRI, promissory notes, promissory notes placed abroad, acquired assets, and collateral).
(5) Includes savings, demand deposits, time deposits, debentures, LCA, LCI and treasury notes.
(6) Excludes 100% of the goodwill balance (net of amortization).
(7) Efficiency: General expenses/(gross interest margin + fee income and bank charges + tax expenses + Non-Interest income/expenses).
(8) Recurrence: (Fee income and bank charges)/General Expenses.
(9) Ratio in accordance with Central Bank criteria. Any impacts from the Capital Structure Optimization Plan are not considered.
(10) In accordance with the criteria of the Brazilian Association of Financial and Stock Market Entities (the "ANBIMA").
(11) Number of checking accounts, according to the Brazilian Central Bank.
(12) See explanations on page 53 of the Annual Report Attachment, at www.santander.com.br/ir, in the Financial Information section / Results Center / Annual Report.
LO
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