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Edge20 Mar 2026
Tetra Pak: The Shape of Innovation
The story of Tetra Pak, the Rausing family, and how a paper tetrahedron gave rise to a company that now delivers almost 180 billion packages a year.
Banco Santander (Brasil)
Banco Santander (Brasil) (SANB4) investor relations material
Banco Santander (Brasil) Institutional Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Institutional Presentation summary18 Feb, 2026
Macroeconomic and financial system overview
Forecasts indicate declining inflation and unemployment rates in Brazil through 2026, with GDP growth moderating to 1.5% in 2026 and SELIC rate stabilizing around 11.75-12% in 2025-2026.
Credit growth is expected to slow, with household debt to income remaining stable and NPL ratios gradually improving through 2025.
Group and business model highlights
The group operates with €1.87 trillion in assets, €14.1 billion in attributable profit, and a diversified global presence, including 180 million customers and 7,666 branches.
Business model emphasizes a mix of retail, corporate, and digital banking, with a focus on innovation, efficiency, and leveraging global platforms.
Strategic priorities and segmentation
Strategy centers on risk and capital management, funding mix optimization, and customer-centric digital innovation.
Segmentation targets individuals, SMEs, and corporates with tailored offerings, and a diversified loan portfolio across consumer, payroll, mortgages, and corporate loans.
NPL formation trend drivers
Individual customer funding strategy
GenAI competitive edge initiatives
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Latest events from Banco Santander (Brasil)
- Net profit hit R$4.1B, ROE/ROAE 17.6%, with robust loan growth and digital innovation.SANB4
Q4 20254 Feb 2026 - Net profit up 28% YoY to R$3.9B, ROAE at 17.4%, and efficiency at a 3-year best.SANB4Q1 20253 Feb 2026
- Net profit up 44% YoY to BRL 3.3B, with strong NII, fee growth, and improved efficiency.SANB4Q2 20243 Feb 2026
- Net profit up 34.3% YoY to R$3.7B, with ROAE at 17% and strong NII and fee growth.SANB4Q3 202418 Jan 2026
- Net profit jumped 74.9% YoY in 4Q24, with ROE at 17.6% and efficiency at record levels.SANB4Q4 20249 Jan 2026
- Net profit up 9.8% YoY, efficiency at 3-year best, digital and cost gains drive resilience.SANB4Q2 20256 Nov 2025
- Net profit up 9.6% QoQ to R$ 4.0B, with ROAE at 17.5% and strong digital and fee growth.SANB4Q3 202530 Oct 2025
Next Banco Santander (Brasil) earnings date
Q1 202629 Apr, 2026
Banco Santander (Brasil)
Next Banco Santander (Brasil) earnings date
Q1 202629 Apr, 2026
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Amina0781App Store
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