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2010 Annual Report

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2010 Annual Report 2010 Annual Report 1 2010 Annual Report Santander Organisational Profile Our Essence Our Mission To be a team capable to generate good ideas that satisfy our customers, are profitable to our shareholders and consolidate us as an international financial leader that contributes to the sustainable development of society. Our Commitment We provide financial services and believe that trust is the base for all our relationships. We will create strong bonds among us, employees, and with our customers, suppliers and shareholders, so we can, together, develop innovative ideas of management, products and services that respond to the challenges of our time. Consequently, we will be leaders in our segment and reference to Santander Group, to our country and to the overall market. Our Model Proximity with the client: confidence is the Our Essence basis of our business model Index 4. Main indicators 8. Message from the Chairman of the Board of Directors of Santander Brasil 10. Message from the CEO of Santander Brasil 12. Organizational profile 18. Santander in the world 24. Strategy and management 28. Corporate governance 46. Risk management 66. Consolidated economic-financial information (IFRS) 84. Scenario of operation 86. Performance of the businesses 108. Intangible assets 124. Social and cultural investment 130. Environmental management 138. About the Report 139. GRI remittance indices GRI INDEX – the information which provides the basis for the GRI indices are highlighted at the end of the respected paragraph. Main indicators 4 Main indicators The financial information presented in this Annual Report is in accordance with International Accounting Rules, prepared in accordance with International Financial Reporting Standards (IFRS), which differ in material aspects from the Accounting Practices Adopted in Brazil (BR GAAP). We believe that the IFRS standard is the most appropriate set of criteria to represent the equity and earnings situation of Banco Santander (Brasil) S.A. Furthermore, the adherence to Level 2 of BM&FBovespa’s Corporate Governance for the IPO in October 2009, and the listing of the Units in the form of ADSs, on the New York Stock Exchange, require the publication of the bank’s results in accordance with this international standard. As requested by the Brazilian regulatory bodies, individual financial statements also continue to be prepared in accordance with BR GAAP. For analysis purposes, all the comparable data, which includes the year 2008, are shown as if the consolidation with Banco Real S.A took place on January 1, 2008 . The complete financial statements in IFRS and BR GAAP for 2010, are available on website link: www.santander.com.br/ir. 5 2010 Annual Report Santander Main indicators NET INTEREST INCOME NET FEES ADMINISTRATIVE AND PERSONNEL (R$ MILLION) (R$ MILLION) EXPENSES (R$ MILLION) 8.7% 2.6% 9.6% 24,095 11,230 10,947 22,167 6,834 6,238 2009 2010 2009 2010 2009 2010 NET PROFIT EFFICIENCY RATIO (%) ROAE(1) (R$ MILLION) (%) -2.4 p.p.(2) -1.5 p.p.(2) 34.0% 19.3 7,382 36.3 34.8 16.9 5,508 2009 2010 2009 2010 2009 2010 LOAN PORTFOLIO BREAKDOWN 2010 PROFIT BEFORE TAX BY SEGMENT 2010 Individuals 32% Commercial Bank 64% Asset Management and Insurance 8% SMEs 24% Corporate 27% Global Wholesale Banking 28% Consumer Finance 17% (1) Net profit divided by average total equity, excluding goodwill. (2) Percentage points. 6 Principais Indicadores MANAGEMENT ANALYSIS 2010 2009 Var. 2010 x 2009 RESULTS (R$ million) Net interest income 24,095 22,167 8.7% Net fees 6,834 6,238 9.6% Allowance for loan losses (8,233) (9,983) -17.5% Administrative and personnel expenses (11,230) (10,947) 2.6% Net profit 7,382 5,508 34.0% BALANCE SHEET (R$ million) Total assets 374,663 315,972 18.6% Securities 89,823 80,616 11.4% Loan portfolio(1) 160,558 138,394 16.0% Individuals 50,981 43,200 18.0% Consumer financing 26,969 25,101 7.4% SMEs 38,306 31,448 21.8% Corporate 44,302 38,645 14.6% Expanded Credit Portfolio(2) 168,232 141,624 18.8% Funding from Clients(3) 153,243 141,090 8.6% Total equity 73,364 69,266 5.9% Total average equity excluding goodwill(4) 43,563 28,496 52.9% PERFORMANCE INDICATORS (%) Return on shareholders’ average equity – annualized 10.3% 9.8% 0.5 p.p. Return on shareholders’ average equity excluding goodwill(4) – annualized 16.9% 19.3% -2.4 p.p. Return on average asset – annualized 2.2% 1.8% 0.4 p.p. Efficiency Ratio(5) 34.8% 36.3% -1.5 p.p. Recurrence(6) 60.9% 57.0% 3.9 p.p. BIS ratio excluding goodwill(7) 22.1% 25.6% -3.5 p.p. PORTFOLIO QUALITY INDICATORS (%) Delinquency(7) – IFRS 5.8% 7.2% -1.4 p.p. Delinquency(8) (more than 90 days) – BR GAAP 3.9% 5.9% -2.0 p.p. Delinquency(9) (more than 60 days) – BR GAAP 4.7% 6.8% -2.1 p.p. Coverage ratio(10) 98.3% 101.7% -3.4 p.p. OTHER DATA Assets under management - AUM (R$ million) 111,338 98,407 13.1% Numbers of credit and debit cards (thousand) 37,294 33,337 11.9% Branches 2,201 2,091 5.3% PABs (mini branches) 1,495 1,502 -0.5% ATMs 18,312 18,132 1.0% Total Customers (thousand) 24,757 22,412 10.5% Total active crrent account(11) (thousand) 10,901 10,240 6.5% Employees(12) 54,406 51,241 6.2% (1)Management information. (2)Includes others Credit Risk Transactions with clients (Debenture, FIDC, CRI, Floating Rate Notes and Promissory Notes). (3)Include savings, demand deposits, time deposit, debenture, LCA and LCI. (4)Goodwill from the acquisition of Banco Real and Real Seguros Vida e Previdência. (5)General expenses/total income . (6)Net fees / General expenses. (7)Portfolio overdue by more than 90 days plus loans with high default risk / credit portfolio. (8) Portfolio overdue by more than 90 days / credit portfolio in BR GAAP. (9)Portfolio overdue by more than 60 days / credit portfolio in BR GAAP. (10)Allowance for loan losses / portfolio overdue by more than 90 days plus loans with high default risk. (11)Active accounts during a 30-day period, according to the Brazilian Central Bank. (12)Considering Banco Santander (Brasil) S.A. and its subsidiaries consolidated in the balance sheet. 7 2010 Annual Report Santander Message from the Chairman of the Board of Directors of Santander Brasil 8 MESSAGE FRom THE CHAIRMAN OF THE BOARD OF DIRECTORS OF SANTANDER BRASIL In 2010 Brazil reached a very prominent position on the world stage. Alongside China and India, it emerged as being one of the levers for a resumption in global economic growth. Driven by the solid fundamentals of its economy, and the strength of its consumer market, the Country achieved a vigorous rate of expansion, particularly in the first half of the year, and began a cycle of development which is certain to be a determining factor in the future of all Brazilians. For Santander, the rise of the Brazilian economy is a certainty which we have been counting on for many years. And for this reason, we are proud that our operations in Brazil have gained increasing importance for the Group as a whole, now contributing approximately 25% of total earnings. The year 2010 also brought about two important developments: • The unification of all our operations under the Santander brand-name, which gives us more strength to operate in the competitive local market. • The investment of US$ 2.7 billion by Qatar Holding in the acquisition of securities convertible to shares which represent 5% of the capital of Banco Santander Brasil - a clear demonstration of the attractiveness of the Brazilian economy for global investors. The next few years will see still more achievements for Santander in Brazil. After the intense and successful integration process, we are now ready to increase our share of the Brazilian financial market, offering the required local presence together with the capacity to help Brazilian companies insert themselves in the global economy. As a result of the quality of our employees and the confidence of our shareholders, customers and society as a whole, we are already one of the top three private-sector banks in Brazil. Now we are ready to reach our aspirations of being the best and most efficient financial institution, contributing to making Brazil an economy of opportunities and achievements for those who believe in it. Marcial Angel Portela Alvarez Chairman of the Board of Directors of Santander Brasil São Paulo, 31 January 2011 9 2010 Annual Report Santander Message from the CEO of Santander Brasil MESSAGE FRom THE CEO OF SANTANDER BRASIL The year 2010 was extremely favourable for Brazil and None of this would have been possible without the efforts of our witnessed a change in the level of our financial system. employees building these results. We believe that only with The total volume of credit, which was around R$ 400 satisfied and committed employees will we be able to continue billion in 2002, had increased to R$ 1.7 trillion by the to improve the level of satisfaction among our customers, who end of the year. The growth in economic activity exceeded are increasingly exigent and well-informed. estimates and the financial sector fulfilled its role of smoothing and speeding up this particular moment of In the global network in which we live, building an image development. As a result of this dynamism, Brazil showed serves little purpose if it not fully backed up by day-to-day the rest of the world that it is an outstanding country, activities.
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