Banco Santander Brasil (NYSE:BSBR) is one of them Most pledge deposits under $20. On February 4, Banco Santander reported financial performance for Q4 2025, marking a transition towards a more profitable medium term. The bank achieved net income of BRL 4.1 billion in the quarter, representing a 6% year-over-year increase, while maintaining an ROE of 17.6%. Management emphasized that these results are an important intermediate step towards the company’s ultimate goal of 20% ROE, driven by a customer base that has grown to ~64 million active customers.
The main theme of the quarter was the aggressive push towards AI-driven transformation and hyper-personalization. The company’s CEO noted that 60% of all customer interactions are now personalized, using a new CRM platform to integrate market data and customer context. The bank uses AI for two main purposes: efficiency, to automate processes such as fraud detection and ombudsman tasks, and enhancement, such as the ‘patch maker’ tool, which generates personalized investment advice for advisors in just 30 seconds. This has helped reduce the cost of serving, particularly in the low-income segment, where costs have fallen by 43% in two years.
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Banco Santander saw double-digit growth in its consumer finance, SME (small and medium-sized enterprises) and credit card segments, all of which grew ~13% YoY. The bank’s funding mix is also improving, reaching a 50/50 balance between corporate and individual deposits. For 2026, Banco Santander Brasil (NYSE: BSBR ) is focusing on disciplined pricing and its gravity project, which is a major migration from mainframe systems to a more efficient, modern cloud platform.
Banco Santander Brasil (NYSE: BSBR), together with its subsidiaries, offers a variety of banking products and services to individuals, small and medium enterprises and corporate clients in Brazil and internationally. It operates in two segments: Commercial Banking and International Wholesale Banking.
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