Investor Presentaiton
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Key aspects of the
Brazilian market
Characteristics of the Brazilian market
A Primary balance and gross debt (% of GDP)
Mar-18
Jun-18
Sep-18
Dec-18
Mar-19
Jun-19
Sep-19
Dec-19
Mar-20
Jun-20
Sep-20
Dec-20
Mar-21
Jun-21
Sep-21
Dec-21
Mar-22
Jun-22
Sep-22
Primary balance
Gross Debt
To Brazilian financial system profile
Delinquency ratio - Segment | Institution
5%
2%
1%
4%
3%
Jun-18
Sep-18
Dec-18
Mar-19
Jun-19
Sep-19
Dec-19
Mar-20
Jun-20
Sep-20
Dec-20
Mar-21
-Total
INVESTOR RELATIONS
-Individuals
Jun-21
Sep-21
Dec-21
Mar-22
-Corporate
Jun-22
Sep-22
Dec-22
Mar-23
Jun-23
-Public
-Private
[email protected]
Dec-22
4.2%
4.2%
3.6%
2.8%
2.6%
Mar-23
Jun-23
60
Macroeconomy and Financial System
Investment¹ (% of GDP)
Brazil risk (CDS 5 years, bps)
100
90
80
70
50
14.6
0800 286 8484
FAQ www.santander.com.br/faq
May-18
Aug-18
Nov-18
Jun-18
Household debt (%)
Feb-19
May-19
Aug-19
Nov-19
Feb-20
May-20
Household debt ratio
Aug-20
Nov-20
Feb-21
May-21
18.6
270
177
Jun-23
Jun-18
Jun-23
Aug-21
Nov-21
-Without mortgage loans
Feb-22
May-22
Aug-22
Nov-22
Feb-23
May-23
Sources: Brazilian Central Bank, IBGE and Santander 1 Considering Gross Fixed Capital Formation over
12-month rolling GDP
Mortgage loans
48.8
31.0
17.8
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