Managerial Information Reclassification | |||||||||||||
New Segmentation in Companies | |||||||||||||
As of 2016, we changed the segmentation within company clients in order to further strengthen our commercial model. The new segmentation comprises changes to the SMEs and Corporate segments, which now considers companies with annual revenues up to R$200 million (versus up to R$80 million previously) and over R$200 million (versus over R$80 million previously), respectively. This reclassification were made between the segments without impact on the total credit portfolio. | |||||||||||||
Annual Revenues | |||||||||||||
Previous | Current | ||||||||||||
Small and medium enterprises | up to R$80 million | up to R$200 million | |||||||||||
Corporate |
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| over R$80 million | over R$200 million | |||||||||
Reclassification between lines in the Net Interest Income | |||||||||||||
In order to reflect properly our funding structure, as of 2016 we expanded the deposit margin concept, which now includes repo transactions, real estate credit notes (LCI) and agribusiness credit notes (LCA), which used to be allocated in the "other" line.In addition, we exclude gains from "certificados de operações estruturadas" (COE).We also revised the transfer price mechanisms between the mortgage, savings and LCI products. These changes were made between lines without impact on the total net interest income. | |||||||||||||
BANCO SANTANDER (BRASIL) S.A. | |||||||||
CREDIT PORTFOLIO BY SEGMENT - MANAGERIAL | |||||||||
(Million of Brazilian Reais) | |||||||||
Contents | |||||||||
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| mar/14 | jun/14 | set/14 | dez/14 | mar/15 | jun/15 | set/15 | dez/15 |
Individuals | 75,445 | 75,679 | 76,683 | 78,304 | 79,819 | 81,534 | 82,786 | 84,805 | |
Consumer Finance | 37,421 | 36,851 | 36,530 | 36,756 | 36,178 | 35,338 | 34,057 | 33,931 | |
Corporate and SMEs | 111,086 | 113,770 | 121,303 | 130,454 | 142,147 | 137,530 | 145,137 | 142,253 | |
SMEs | 35,975 | 35,368 | 35,200 | 35,852 | 35,831 | 35,396 | 35,636 | 35,387 | |
Corporate | 75,111 | 78,401 | 86,103 | 94,602 | 106,316 | 102,135 | 109,501 | 106,866 | |
Total | 223,952 | 226,299 | 234,516 | 245,514 | 258,144 | 254,402 | 261,980 | 260,989 | |
Other credit related transactions¹ | 19,547 | 19,925 | 21,117 | 24,516 | 24,456 | 24,867 | 26,390 | 29,549 | |
Total expanded credit portfolio | 243,499 | 246,224 | 255,633 | 270,030 | 282,600 | 279,269 | 288,370 | 290,538 | |
Total guarantee | 31,686 | 33,498 | 37,505 | 40,564 | 41,719 | 41,906 | 43,552 | 40,409 | |
Total expanded credit portfolio with guarantee | 275,185 | 279,722 | 293,138 | 310,593 | 324,319 | 321,174 | 331,922 | 330,947 | |
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1. Includes Debenture, FIDC, CRI , Floating Rate Notes, Promissory Notes, acquiring activities related assets and guarantees. |
BANCO SANTANDER (BRASIL) S.A. | |||||||
Net Interest Income | |||||||
(Million of Brazilian Reais) | |||||||
Contents | |||||||
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| 1Q15 | 2Q15 | 3Q15 | 4Q15 | 2015 | |
Loans |
| 5,058 | 5,316 | 5,350 | 5,391 | 21,114 | |
Average volume | 246,632 | 253,469 | 254,688 | 256,826 | 252,904 | ||
Spread | 8.32% | 8.41% | 8.33% | 8.33% | 8.35% | ||
Expanded Deposits base | 542 | 561 | 618 | 609 | 2,330 | ||
Average volume | 208,149 | 219,328 | 224,831 | 224,713 | 219,255 | ||
Spread | 1.08% | 1.06% | 1.07% | 1.08% | 1.06% | ||
Others | 1,540 | 1,603 | 1,663 | 1,384 | 6,191 | ||
Total |
| 7,140 | 7,480 | 7,631 | 7,384 | 29,635 |