Banco Santander (Brasil) S.A. operates as a full-service bank in Brazil. The company operates in two segments, Commercial Banking and Global Wholesale Banking. Commercial Banking This segment focuses on long-term relationships with the company’s individual and corporate customers (other than global enterprise customers that are serviced by its Global Wholesale Banking segment), seeking to support all of their financial needs through its credit, banking services, financial products, asset management and insurance products. The company also offers special financing and credit opportunities for corporate customers pursuing social and environmental improvement programs. The company serves clients throughout Brazil, primarily through its branch network, which as of December 31, 2014, consisted of 2,252 branches, 1,160 mini branches (postos de atendimento bancário (PABs) located at its corporate customers’ premises), and 14,856 automated teller machines (ATMs). Retail Banking Individuals Private Banking Business: The company serves a select group of clients with a minimum of R$3.0 million in assets available for investment. Santander Select: The company serves customers who earn approximately R$10,000 per month and have R$30,000 in investments or has investments approximately R$200,000. The segment has 85 exclusive agencies and it is intended that another 15 such agencies would open during the course of 2015. Santander Van Gogh: The company serves customers who earn approximately R$4,000 per month or have investments approximately R$40,000. Santander Individuals: The company’s customers who earn approximately R$4,000 per month. The company’s services are provided primarily through electronic channels. The company offers its retail lending products to customers through its extensive branch network and on-site service units. Payroll Loans Payroll loans are typical retail products with differentiated methods of payment. Monthly installments are deducted directly from the customer’s payroll by their employer and then credited to Santander Brasil, significantly reducing the company’s credit risk. The company’s customers are typically employees from the public sector, private sector and state pension holders. Credit Cards The company operates in the credit card market issuing Visa and MasterCard cards to its customers (including both account and non-account holders). The company’s revenues from credit cards include administration fees, interest on unpaid balances, annuities, and withdrawal fees. In 2014, the company maintained its partnerships with c, a mobile phone operator in Brazil and Raízen group, a Brazilian energy company which operates approximately 4,700 gas stations under the Shell brand. Merchant Acquiring Market In 2014, the company completed the acquisition of the operations of GetNet Tecnologia em Captura e Processamento de Transações EletrÔnicas H.U.A.H. S.A. (GetNet). During 2014, the company launched Santander Conta Conecta aimed at micro entrepreneurs, liberal and independent professionals, individuals or small companies. Mortgages The company offers long-term loans to its customers for the purchase of real estate, secured by deeds of trust, which it considers a strategic product due to its lower risk and ability to increase customer loyalty. In addition to financing for individuals, the company offers credit lines to corporate customers in the real estate construction industry for the financing of up to 80% of the project cost. As of December 31, 2014, the company’s mortgage loans portfolio, including construction loans, was R$31.6 billion. Small and Medium Enterprises Business 3: The company’s focus is to strengthen relationships with its customers by offering a range of products and services, with managers, customer service centers, a call center unit, and the support of product experts. Business 2: The company’s focus is to increase customer loyalty through products and services tailored to the needs of each client, with emphasis on cash flow management solutions and adequate credit offering; and Business 1: The company’s focus is on providing
banco santander (brasil-pref
(SANB4:Stock Exchange of Sao Paulo)
Avenida Presidente Juscelino Kubitschek, 2235
São Paulo, SP 04543-011
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To contact BANCO SANTANDER (BRASIL-PREF, please visit www.santander.com.br. Company data is provided by Capital IQ. Please use this form to report any data issues.