Banco Santander (Brasil) Income Statement

Financials in millions BRL. Fiscal year is January - December.

Millions BRL. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	166,178	162,495	137,183	128,283	115,225	77,987
Interest Paid on Deposits	107,260	104,860	80,505	81,399	67,722	26,669
Net Interest Income	58,918	57,634	56,679	46,884	47,503	51,318
Net Interest Income Growth (YoY)	1.38%	1.69%	20.89%	-1.30%	-7.43%	15.47%
Gain (Loss) on Sale of Assets	198.26	212.14	1,912	1,044	131.48	32.51
Gain (Loss) on Sale of Investments	17,599	7,473	-821.57	2,977	4,153	221.78
Gain (Loss) on Sale of Equity Investments	496.44	458.31	312.99	239.24	199.18	144.18
Other Non-Interest Income	-1,906	9,431	17,587	15,764	14,619	12,242
Total Non-Interest Income	16,387	17,574	18,991	20,024	19,103	12,640
Non-Interest Income Growth (YoY)	-12.50%	-7.46%	-5.16%	4.82%	51.13%	207.77%
Revenues Before Loan Losses	75,306	75,209	75,670	66,908	66,606	63,959
Provision for Loan Losses	29,584	29,540	28,484	28,008	24,829	17,113
Revenue	45,722	45,669	47,185	38,900	41,777	46,846
Revenue Growth (YoY)	-4.54%	-3.21%	21.30%	-6.89%	-10.82%	50.63%
Salaries and Employee Benefits	11,364	11,488	11,304	10,650	9,857	9,002
Occupancy Expenses	997.08	1,087	1,586	1,842	1,860	1,851
Amortization of Goodwill & Intangibles	1,589	1,539	1,145	899.33	725.46	583.14
Selling, General & Administrative	9,528	9,309	8,959	8,739	8,234	8,112
Other Non-Interest Expense	5,065	5,103	4,895	4,876	1,972	2,517
Total Non-Interest Expense	28,543	28,525	27,889	27,007	22,649	22,065
EBT Excluding Unusual Items	17,178	17,144	19,297	11,893	19,128	24,780
Asset Writedown	-11.45	-67.02	-48.9	-19.47	-31.25	-30.16
Legal Settlements	-347.72	-347.72	-57.63	48	477.54	-
Pretax Income	16,819	16,729	19,190	11,922	19,575	24,750
Income Tax Expense	3,724	3,764	5,776	2,423	5,235	9,191
Earnings From Continuing Operations	13,095	12,965	13,414	9,499	14,339	15,559
Minority Interest in Earnings	-219.86	-199.09	-48.26	-49.5	-52.38	-31.27
Net Income	12,875	12,766	13,366	9,449	14,287	15,528
Net Income to Common	12,875	12,766	13,366	9,449	14,287	15,528
Net Income Growth	-4.08%	-4.49%	41.44%	-33.86%	-7.99%	15.72%
Basic Shares Outstanding	3,744	3,736	3,730	3,722	3,718	3,734
Diluted Shares Outstanding	3,744	3,736	3,730	3,722	3,718	3,734
Shares Change (YoY)	0.22%	0.15%	0.21%	0.11%	-0.41%	0.08%
EPS (Basic)	3.44	3.42	3.58	2.54	3.84	4.16
EPS (Diluted)	3.44	3.42	3.58	2.54	3.84	4.16
EPS Growth	-4.29%	-4.63%	41.15%	-33.93%	-7.61%	15.63%
Effective Tax Rate	22.14%	22.50%	30.10%	20.32%	26.75%	37.13%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.