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Financial Data and Key Metrics Changes - The company reported a total net interest income (NII) growth of 2.1% for the nine months to date, with a solid growth in asset volumes during the quarter [22][31] - The return on equity (ROE) increased by 18%, reaching BRL 2.7 billion compared to the previous quarter, with ROE rising from 11% to 13% [31][32] - The company achieved a 6.5% growth in fees during the quarter, with significant performance in various fees and commissions lines [47] Business Line Data and Key Metrics Changes - In auto financing for individuals, the company grew 2.6% quarter-on-quarter, marking the best performance since December 2020 [23] - The SME loan portfolio resumed growth with a 3.1% increase, the highest since the third quarter of the previous year [23] - The consumer finance segment showed a production increase of almost 20% in the third quarter [41] Market Data and Key Metrics Changes - Total funding increased by 16% year-on-year and 4.5% in the quarter, with a continuous improvement in the loan-to-deposit ratio [47][70] - The company reported a drop in non-performing loans (NPL) over 90 days by 30 basis points, indicating positive trends in asset quality [48][71] Company Strategy and Development Direction - The company is focusing on diversifying its portfolio and enhancing customer loyalty, aiming to become the principal bank for its customers [8][32] - A strategic shift is underway to change the funding mix from wholesale to retail, particularly in individual and corporate segments [12][35] - The company aims to double its business in the midterm, with a strong emphasis on customer satisfaction and technology integration [18][21] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in resuming growth in a conscious manner, focusing on quality clients and credit costs [7][19] - The company is committed to improving its customer relationship management (CRM) strategy to provide more customized offerings [32] - Management acknowledged the challenges in the low-income segment and plans to simplify offerings and improve efficiency [96][100] Other Important Information - The company is set to launch Select Global for international transactions, enhancing customer loyalty and service [11] - The company has seen a year-on-year evolution of 32% in Net Promoter Score (NPS) across all channels, indicating improved customer satisfaction [9] Q&A Session Summary Question: Portfolio quality and growth strategy - Management highlighted the positive trend in portfolio management and indicated a focus on secured businesses for growth, particularly in SMEs and large corporate [76][77] Question: Profitability concerns in the card industry - Management reassured that they are actively participating in regulatory discussions and believe that upcoming regulations will be positive for the industry [82][84] Question: Growth in Payroll and efficiency improvements - Management discussed the redesign of stores to better serve pension fund clients, leading to increased efficiency and productivity [87] Question: Strategy for low and mid-income segments - Management acknowledged the challenges in the low-income segment and emphasized the need for digitalization and simplification of offerings to improve profitability [96][100]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K For the month of October, 2023 BANCO SANTANDER (BRASIL) S.A. (Exact name of registrant as specified in its charter) (Address of principal executive office) Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1): Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7): Indicate by check mark whet ...

Financial Data and Key Metrics Changes - The company reported a net income of BRL 2.3 billion for Q2 2023, representing an 8% increase quarter-on-quarter and an ROE of slightly above 11% [20][32][35] - Total funding increased by 3.4% in the quarter, reflecting the strategy of increasing liabilities [34] - The CET1 ratio stood at 10.6% at the end of the period, with an expected increase to 11.2% due to regulatory changes [35][89] Business Line Data and Key Metrics Changes - The corporate segment grew with a 7% increase in revenues and a 21% increase in loan operations year-on-year [26] - The Agro portfolio reached BRL 42 billion, with 79% coming from free resources, indicating strong growth in this sector [27] - The consumer finance business maintained a leading market share of 22%, with 84% of new originations made to high credit quality clients [28] Market Data and Key Metrics Changes - The company maintained a 25% market share in trade finance and continued to lead in foreign exchange operations for the ninth consecutive year [13] - The high-income segment, Select, grew to nearly 900,000 clients, with a goal of reaching 1 million by the end of the year [23][10] Company Strategy and Development Direction - The company is focused on expanding its strategic businesses through cross-selling opportunities and enhancing customer loyalty [7][9] - A strategic partnership with SAP was announced to improve product digitalization and client connectivity [13] - The company aims to enhance its digital ecosystem and customer experience through technology and data utilization [15][29] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the ability to grow the loan portfolio and business over the next 12 to 18 months, supported by a healthier client mix and improved cost of credit [39] - The focus remains on maximizing profitability through customer loyalty, particularly in the high-income segment [20][39] Other Important Information - The company acquired 100% of Toro and divested part of its stake in Webmotors, maintaining exclusivity with Carsales [54] - The company reported a 12% increase in revenue per loyal customer over the last 12 years [9] Q&A Session Summary Question: Quality of the portfolio and provision reversal - Management explained the provision reversal was due to improved performance of new portfolios and the conclusion that a conservative position was no longer necessary [41][44] Question: Accelerating credit origination - Management confirmed plans to increase origination in a selective manner, focusing on secured portfolios while maintaining soundness [47][48] Question: Market NII expectations - Management indicated that market NII is expected to show gradual improvement due to asset repricing and favorable market conditions [50][61] Question: Impact of regulatory changes on capital - Management stated that the recent regulatory change would positively impact the capital ratio by 60 basis points, bringing it to 11.2% [89] Question: SME portfolio outlook - Management highlighted the SME portfolio's relevance and performance, indicating a focus on quality and ratings in future growth [110][111]

(d) ELECT by majority, with 3,664,249,302 favorable votes, 9,049 against votes and 1,729,110 abstentions, as an independent member of the Board of Directors for a complementary mandate that shall be enforce until the investiture of the members elected in the Ordinary General Meeting to be held in 2025, Mrs. Cristiana Almeida Pipponzi, Brazilian, married, business administrator, bearer of the Brazilian Identity Card RG No. 26.378.342-X SSP/SP, enrolled with CPF/MF under No. 285.220.788-58, domiciled in São P ...

25 Table of Contents 27 28 30 31 We are subject to regulation on a consolidated basis and may be subject to liquidation or intervention on a consolidated basis. Increases in reserve, compulsory deposit and minimum capital requirements may have a material adverse ef ect on us. 33 34 We may face operational dif iculties under the Brazilian instant payment scheme. Table of Contents The preparation of our tax returns requires the use of estimates and interpretations of complex tax laws and regulations and is su ...

Banco Santander (Brasil) S.A. (NYSE:BSBR) Q4 2022 Earnings Conference Call February 2, 2023 8:00 AM ET Company Participants Gustavo Sechin - Head of Investor Relations Mario Leao - Chief Executive Officer Angel Santodomingo - Chief Financial Officer Camila Toledo - New Head of Investor Relations Conference Call Participants Jorge Kuri - Morgan Stanley Thiago Batista - UBS Eduardo Rosman - BTG Pactual Rafael Frade - Citigroup Inc. Pedro Leduc - Itau BBA Flavio Yoshida - Bank of America Merrill Lynch Yuri Fer ...

Results Disclaimer This presentation may contain certain forward-looking statements and information pertaining to Banco Santander (Brasil) S.A. ("Santander Brasil") and its subsidiaries, which reflect the current views and / or expectations of Santander Brasil and its management regarding its business performance and future events. We do not undertake any obligation to update or revise any forward-looking statements, whether as a result of new information, future developments or otherwise. In no event shall ...

Banco Santander (Brasil) SA (NYSE:BSBR) Q2 2022 Earnings Conference Call July 28, 2022 8:30 AM ET Company Participants Gustavo Sechin - Head-Investor Relations Mario Leão - Chief Executive Officer Angel Santodomingo - Chief Financial Officer Gustavo Sechin Hello. Very good morning, everyone. And thank you all for joining us this morning to our Second Quarter Conference Call. I am Gustavo Sechin, Head of Investor Relations of Banco Santander Brasil. Here with me are our CEO, Mr. Mario Leão; our CFO, Mr. Ange ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March, 2022 Commission File Number: 001-34476 BANCO SANTANDER (BRASIL) S.A. (Exact name of registrant as specified in its charter) Avenida Presidente Juscelino Kubitschek, 2041 and 2235 Bloco A – Vila Olimpia São Paulo, SP 04543-011 Federative Republic of Brazil (Address of principal executive office) In ...