Banco Santander (Brasil) (NYSE:BSBR) Q4 2025 Earnings call February 04, 2026 08:00 AM ET Speaker3Good morning, everyone. Thank you for joining us for our fourth quarter 2025 earnings video conference call. We are live from our headquarters in São Paulo, and we will divide this event into three parts. First, Mário Leão will address the main highlights of the quarter and the directions for our growth in the coming periods. Next, Gustavo Alejo will provide a detailed analysis of our performance, and finally, w ...

Core Insights - Only 11% of executives believe their bank is highly advanced in hyper-personalization [1] - 72% of executives acknowledge that their customer communication channels are siloed or only partially integrated [1] - 50% of executives report that no more than half of their customer-facing decisions are automated [1] Industry Challenges - Banks in the Asia Pacific region are facing significant challenges in delivering real-time, tailored customer experiences [1] - The lack of advanced hyper-personalization capabilities indicates a gap in meeting customer expectations [1] - Integration issues in communication channels hinder effective customer engagement [1]