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Banco Santander (Brasil) (SANB4) investor relations material
Banco Santander (Brasil) Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Net profit reached R$ 4.0 billion in Q3 2025, up 9.6% quarter-over-quarter and 9.4% year-over-year, with ROE/ROAE at 17.5% and strong client NII and diversified fee growth.
Customer base expanded to 73 million (+7% YoY), with record NPS scores for individuals (61) and companies (52), and increased digital engagement.
Strategic focus on digital transformation, hyper-personalization, AI-driven customer journeys, and rollout of a new global One App.
Consumer finance and SME segments showed double-digit annual growth, with consumer finance driving fee and insurance growth.
Initiatives in payments (Pix via credit card) and enhanced digital security supported diversified growth.
Financial highlights
Net interest income (NII) was R$ 15.2 billion, down 1.2% QoQ but nearly flat YoY; client NII up 2.7% QoQ and 11.1% YoY.
Fee income up 6.7% QoQ and 4.1% YoY, led by cards, insurance, and asset management.
Expenses nearly flat QoQ (+0.2%) and down 0.5% YoY, reflecting strong cost control and technology-driven efficiency.
Efficiency ratio at 37.5%, improved by 140 bps YoY.
Loan portfolio expanded 2.0% QoQ and 3.8% YoY to R$ 688.8 billion.
Outlook and guidance
Continued disciplined capital allocation, focusing on profitable sub-segments and risk-adjusted returns.
Ongoing investments in technology and digital channels to drive efficiency and customer experience.
Expense growth expected at or below inflation, aiming for near-zero nominal growth.
Targeting a long-term efficiency ratio of 30% and a return to 20% profitability.
Market NII expected to stabilize as hedging strategy matures by 2026.
NPL outlook for SMEs and lower-income individuals?
Expected efficiency gain from AI and global platforms?
Loan portfolio mix shift to boost ROAE?
One App's impact on customer experience and costs?
Market NII outlook for 2025 and 2026?
Impact of DTA changes on future profitability?
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Next Banco Santander (Brasil) earnings date
Q4 20254 Feb, 2026
Next Banco Santander (Brasil) earnings date
Q4 20254 Feb, 2026
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Frequently asked questions
Banco Santander is a subsidiary of the global financial services conglomerate Banco Santander S.A. The bank provides a comprehensive range of banking products and services catering to individual, small and medium enterprises (SMEs), and corporate clients. Its offerings encompass personal banking solutions like cards, accounts, personal and auto loans, life and non-life insurance, and investment management. For business clients, Santander Brasil provides working capital loans, cash management, payment and receiving solutions, property insurance, and financial risk management services. The wholesale banking segment delivers debt financing, investment banking, and trading services, along with agri-business solutions. The company is headquartered in São Paulo, Brazil, and its shares are listed on the São Paulo Stock Exchange.
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