Banco Santander (Brasil) S.A. (BSBR): ANSOFF Matrix Analysis [Jan-2025 Mis à jour]

Dans le paysage dynamique de la banque brésilienne, Banco Santander Brasil se tient au carrefour de l'innovation stratégique et de la transformation du marché. En fabriquant méticuleusement une matrice Ansoff complète, la banque révèle son ambitieux plan pour la croissance, naviguant sur le terrain complexe de la perturbation numérique, de l'engagement client et de l'expansion stratégique à travers de multiples dimensions des services financiers. De pénétrer les marchés existants avec des expériences numériques améliorées à l'exploration des stratégies de diversification révolutionnaires, Santander Brasil démontre une approche audacieuse et avant-gardiste qui promet de redéfinir les services bancaires dans l'un des marchés émergents les plus dynamiques du monde.

Banco Santander (Brasil) S.A. (BSBR) - Matrice Ansoff: pénétration du marché

Développez les services bancaires numériques pour accroître l'engagement et la rétention des clients

Au quatrième trimestre 2022, Banco Santander Brasil a rapporté 31,5 millions de clients numériques, représentant une augmentation de 12,4% d'une année à l'autre. Les transactions numériques représentaient 96,3% du total des interactions bancaires.

Offrir des taux d'intérêt concurrentiels sur les produits d'épargne et d'investissement

En 2022, Santander Brasil a offert des taux de compte d'épargne allant de 6,5% à 8,2% par an, contre la moyenne nationale de 5,7%.

Développer des campagnes de marketing ciblées pour les segments de clientèle existants

Santander Brasil a investi 412 millions de R $ dans des initiatives de marketing en 2022, ciblant des segments de clients spécifiques.

• Jeunes adultes (18-35): 42% du budget marketing
• Professionnels à revenu moyen: 33% du budget marketing
• Individus à haute noue: 25% du budget marketing

Améliorer les fonctionnalités des applications bancaires mobiles et l'expérience utilisateur

L'application mobile Santander a obtenu une cote de 4,7 / 5 avec 1,2 million de revues d'utilisateurs. Les téléchargements d'applications ont augmenté de 18,6% en 2022.

Fournir des services de conseil financier personnalisés aux clients existants

Santander Brasil a alloué 156 millions de R $ pour développer des services de conseil financier personnalisés en 2022.

• Recommandations financières axées sur l'IA pour 68% des clients
• Gestion du portefeuille d'investissement personnalisé pour 42% des clients
• Évaluation de la santé financière numérique pour 55% des utilisateurs

Banco Santander (Brasil) S.A. (BSBR) - Matrice Ansoff: développement du marché

Développez le réseau de succursale dans les régions mal desservies du Brésil

En 2022, Banco Santander Brasil a exploité 3 243 succursales à travers le Brésil. La banque visait à accroître la présence dans les régions mal desservies, avec un accent spécifique sur les régions du nord et du nord-est.

Cibler les petites et moyennes entreprises (PME) avec des solutions bancaires sur mesure

En 2022, Santander Brasil a rapporté 348 000 clients PME actifs, avec un portefeuille de crédit total de 64,3 milliards de rands pour ce segment.

• Ligne de crédit spécifiquement pour les PME: 22,5 milliards de dollars
• Taille moyenne du prêt pour les PME: 185 000 $ R
• Adoption des services bancaires numériques parmi les clients PME: 67%

Augmenter la présence sur les marchés numériques et les centres urbains émergents

Les transactions bancaires numériques sont passées à 94,2% du total des transactions en 2022, les utilisateurs de banques mobiles atteignant 12,6 millions.

Développer des services bancaires spécialisés pour des secteurs professionnels spécifiques

Santander Brasil a développé des solutions bancaires ciblées pour les secteurs professionnels clés.

• Portfolio de crédit agroaliness: 37,8 milliards de dollars
• Financement des startups technologiques: 2,3 milliards de dollars
• Services bancaires professionnels de la santé: 85 000 clients

Tirer parti des partenariats avec les entreprises locales pour étendre la portée du marché

En 2022, Santander Brasil a établi 1 247 nouveaux partenariats commerciaux locaux, élargissant sa portée de marché.

Banco Santander (Brasil) S.A. (BSBR) - Matrice Ansoff: développement de produits

Lancez des solutions de paiement numérique innovantes et des produits fintech

En 2022, Banco Santander Brasil a enregistré 41,3 millions de clients numériques, représentant 85% de la clientèle totale. Les transactions bancaires mobiles ont augmenté de 32,7% par rapport à l'année précédente. Le volume de paiement numérique a atteint 362,4 milliards de R $.

Développer des produits d'investissement durables et axés sur ESG

Santander Brasil a investi 1,2 milliard de rands de R dans les produits financiers durables en 2022. Le portefeuille d'investissement vert a augmenté de 45,3%, atteignant 6,8 milliards de rands.

• Fonds d'investissement ESG: 18 offres de produits différentes
• Lignes de crédit durables: 3,4 milliards de dollars déboursés
• Projets de réduction des émissions de carbone: 12 initiatives majeures

Créer des produits de crédit personnalisés pour différents segments de clients

La diversification du portefeuille de crédit a atteint 278,6 milliards de rands en 2022. Les produits de crédit segmentés ont augmenté de 22,4%.

Introduire des outils de gestion financière alimentés par l'IA

La mise en œuvre de l'IA a augmenté l'efficacité opérationnelle de 37,2%. Outils d'analyse prédictifs traités par mois de 4,2 millions d'interactions clients.

• Algorithmes d'apprentissage automatique: 6 modèles de prédiction financière de base
• Couverture d'évaluation des risques en temps réel: 93% des opérations de crédit
• Interactions du service client axées sur l'AI: 2,7 millions par mois

Concevoir des forfaits d'assurance complets et de gestion de la patrimoine

Le segment de la gestion des assurances et de la patrimoine a généré 14,6 milliards de rands de rotation de Renus au cours de 2022. Les actifs gérés totaux ont atteint 86,3 milliards de rands.

Banco Santander (Brasil) S.A. (BSBR) - Matrice Ansoff: diversification

Investissez dans des startups de technologie financière émergentes

Banco Santander Brasil a investi 150 millions de R $ dans les startups fintech en 2022. Le bras de capital-risque de la banque a identifié 37 investissements technologiques potentiels à travers les banques numériques, les systèmes de paiement et les plateformes d'intelligence artificielle.

Explorez les services financiers liés à la crypto-monnaie et à la blockchain

Santander Brasil a alloué 75 millions de R $ pour le développement des infrastructures de blockchain et de crypto-monnaie. La banque a traité 124 000 transactions liées à la crypto en 2022, ce qui représente une augmentation de 42% par rapport à l'année précédente.

Développer des solutions bancaires transfrontalières pour les communautés brésiliennes internationales

La banque a établi 17 couloirs bancaires internationaux ciblant les communautés brésiliennes de la diaspora. Le volume total des transactions transfrontalières a atteint 3,2 milliards de R $ en 2022, avec une valeur de transaction moyenne de 18 750 R.

Créer des partenariats stratégiques dans les secteurs des services financiers adjacents

Santander Brasil a formé 8 partenariats stratégiques en 2022, avec des investissements collaboratifs totaux atteignant 225 millions de rands. Les secteurs de partenariat comprenaient:

• Plateformes de technologie d'assurance
• Systèmes de gestion de patrimoine numérique
• Innovations de notation du crédit
• Solutions de gestion des risques

Se développer dans des plateformes de prêt alternatives et des écosystèmes financiers numériques

Les investissements alternatifs sur la plate-forme de prêt ont totalisé 180 millions de R $. Le volume des prêts numériques a augmenté de 63%, atteignant 1,5 milliard de rands de rands de prêts totaux en 2022.

Banco Santander (Brasil) S.A. (BSBR) - Ansoff Matrix: Market Penetration

You're looking at how Banco Santander (Brasil) S.A. (BSBR) plans to deepen its hold on the existing Brazilian market, which is the essence of market penetration. The immediate focus is on maximizing value from the current customer footprint.

The bank's customer base in the third quarter of 2025 reached 72.8 million total clients, representing a 7% year-on-year growth in the overall count. Of that total, 33.7 million clients are considered active, meaning they use the bank's products effectively. The goal here is definitely to increase the number of primary customer relationships within this base of over 73 million clients. This means making sure more clients use Banco Santander (Brasil) S.A. (BSBR) as their main financial institution.

To drive deeper engagement, the rollout of the new 'One App' is key. This digital platform is designed to streamline the customer journey and, critically, help drive cross-selling of existing credit and insurance products. We see early evidence of this success in the fee income, which grew 6.7% quarter-on-quarter, totaling R$5.5 billion for the quarter. That's solid traction for product adoption.

A major indicator of success in this segment is the boost to client Net Interest Income (NII) growth. Client NII was already up 11.1% year-on-year in Q3 2025, showing the existing customer base is generating more revenue from core banking activities. This strength in client NII helped support a net profit of BRL 4 billion in the quarter, pushing the return on equity (ROE) to 17.5%. Still, the overall loan portfolio growth was low, only 2.0% year-on-year, reaching R$688.8 billion. This suggests the growth is coming from better pricing and product depth, not just volume expansion.

Targeted, competitive pricing on core products is the lever to capture share from local competitors. While we don't have the exact pricing moves, we can look at the risk profile. The cost of risk remained stable at 3.86% in Q3 2025, which suggests that any aggressive pricing is being managed carefully against potential credit deterioration.

The operational discipline is what funds this push. Banco Santander (Brasil) S.A. (BSBR) leveraged an efficiency ratio ending at 37.5% in Q3 2025, which was an improvement of about 140 basis points compared to the previous year. You can use this improved cost structure to fund those aggressive marketing campaigns aimed at deepening penetration. Here's the quick math on some key Q3 2025 figures:

The bank's strategy involves several tactical actions to lock in these relationships:

• Focus on increasing active usage among the 72.8 million clients.
• Drive adoption of the 'One App' for product bundling.
• Maintain disciplined capital allocation alongside growth.
• Keep cost of risk under control at 3.86%.
• Leverage digital channels for hyper-personalization.

Finance: draft 13-week cash view by Friday.

Banco Santander (Brasil) S.A. (BSBR) - Ansoff Matrix: Market Development

Market Development for Banco Santander (Brasil) S.A. (BSBR) centers on taking existing, proven products and pushing them into new customer segments or geographic territories within Brazil. This is an aggressive move, relying on the bank's established operational strength to capture untapped demand.

The strategy aggressively targets the public sector with the e-consignado (payroll loan) product. The market potential here is substantial, with projections suggesting this segment could expand by four to five times its current size in the coming years. This expansion relies on securing new payroll agreements with federal, state, and municipal entities, building upon existing successes in the payroll loan space, such as those achieved by competitors in states like Rio de Janeiro and Minas Gerais for federal civil servants, military personnel, and state employees. This push into new public entities represents a clear Market Development play.

Another key pillar involves deepening geographic penetration by internalizing services. Banco Santander (Brasil) S.A. is focused on opening new specialized centers specifically for Small and Medium-sized Enterprises (SMEs) in Brazil's interior. This action moves the existing SME service offering into previously underserved or less-penetrated regional markets. While the bank saw an 11% increase in its SME portfolio in Q2 2025, the strategic outlook is even more ambitious, with a stated focus on doubling the SME business portfolio over the next two years. This doubling target is the clear objective for this market development effort.

To address the structurally underbanked, the strategy includes targeting these populations in new geographic regions using digital-only accounts. This leverages digital infrastructure to overcome physical branch limitations in remote or low-access areas. Globally, Santander has a commitment to financially empower 15 million people between 2023 and 2026, and in Brazil, while over 97% of adults have account access according to the central bank, structural issues like the digital divide in rural areas still present a target market for digital-only expansion.

The existing Consumer Finance portfolio is also slated for geographic expansion. This portfolio, which the outline specifies saw a 3.8% loan book increase to reach BRL 688.8 billion, is being pushed into new states. This contrasts slightly with recent reported performance, where the Consumer Finance portfolio showed a 16% increase in Q2 2025, with the total loan book around BRL 635 billion as of that period. The Market Development focus here is purely on state-by-state expansion for this established product line.

Here is a summary of the key quantitative elements driving this Market Development quadrant:

The execution relies on expanding successful credit products-e-consignado and Consumer Finance-into new territories, while simultaneously aiming for a massive 100% growth in the SME portfolio within 24 months. The bank is also committing significant resources to technology, with a reported 30% increase in technological investments compared to previous years to support these expansion efforts.

• Expand e-consignado into new public sector entities.
• Internalize SME services into Brazil's interior regions.
• Target unbanked populations via digital-only accounts.
• Push existing Consumer Finance portfolio into new states.
• Achieve a 100% growth target for the SME portfolio.

Finance: finalize the 2026 budget allocation for new interior SME centers by Tuesday.

Banco Santander (Brasil) S.A. (BSBR) - Ansoff Matrix: Product Development

You're looking at how Banco Santander (Brasil) S.A. is expanding its offerings to its current customer base-that's the Product Development quadrant of the Ansoff Matrix. This is about getting more wallet share from the 73 million clients they served as of the third quarter of 2025. It's a critical area, especially when the bank is pushing for a return to higher profitability, evidenced by the R$4.0 billion net profit reported in Q3 2025, driving the Return on Equity (ROE) to 17.5% in that same period.

The focus here is on embedding new, high-value digital products directly into the customer journey. For instance, rolling out innovative payment solutions like Pix via credit card is a direct play to increase transactionality and, importantly, fee income. This strategy is already showing results; the fee income significantly grew by 6.7% quarter-on-quarter in Q3 2025, showing healthy diversification across different fee line items.

Here's a quick look at some of the key financial markers supporting this push:

To capture more from the affluent segment, Banco Santander (Brasil) S.A. is definitely developing specialized wealth management and private banking platforms. While the most recent specific data for Brazil is from September 2024, the regional trend shows Santander Private Banking served 291,000 clients, a 13% rise from the prior year, overseeing client assets and liabilities worth €324 billion region-wide, up 17% year-on-year. Furthermore, in the first quarter of 2025, the bank created a new global Family Office team and launched a new private assets strategy, showing ongoing commitment to this high-value area.

The integration across digital channels is key for cross-selling. The introduction of the new 'One App' is central to this, designed to enhance customer experience and improve operational efficiency. This ecosystem is where new digital insurance and pension products fit in. We see evidence of success in related areas, with consumer finance, particularly insurance, showing a 43% year-on-year growth in one reported segment, suggesting strong uptake for embedded financial products.

Finally, product development isn't just about traditional finance; it's about aligning with global trends. Creating a new suite of Environmental, Social, and Governance (ESG) investment funds specifically for the Brazilian market addresses growing client demand for sustainable options. This aligns with the broader group's commitment, as the Santander Group surpassed R$ 32 billion in sustainable business in 2024 and met its global target of facilitating 120 billion euros in green financing by 2025, 18 months ahead of schedule.

The bank is using AI and digital transformation to deepen relationships, which should help drive the next leg of growth in net fee income. Finance: review the Q4 2025 projections for cross-sell penetration within the 'One App' user base by next Tuesday.

Banco Santander (Brasil) S.A. (BSBR) - Ansoff Matrix: Diversification

For Banco Santander (Brasil) S.A. (BSBR), growth in corporate and wholesale banking is a focus, providing diversified risk structures and high fee income potential. The bank's Net Interest Income (NII) for the first quarter of 2025 reached R\$15.92 billion, while fee and commission income was R\$6.3 billion, boosted by credit-card and insurance operations as well as transaction services.

The bank is actively growing its digital customer engagement platforms. Investment in technology was highlighted as crucial, with a 30% increase in technological investments compared to previous years, focusing on incorporating business processes into technology-driven strategies. Efforts in AI and data management were noted, including the creation of a new Chief Data AI Office role.

Focusing on Small and Medium Enterprises (SMEs), the loan book reflected cautious portfolio management, showing an increase of 11% in the SME segment in the second quarter of 2025. The Prospera Microcrédito program has disbursed over R\$28 billion in microloans to 2.8 million people since its inception. Over the past year alone, over 9,000 people completed courses on the Avançar platform.

In the digital space, Banco Santander (Brasil) S.A. is navigating a landscape where technology giants challenge traditional institutions. The bank launched a new digital current account and no-fee card in Brazil, featuring the unique addition of a 10-day interest-free overdraft. The financial inclusion platform for unbanked consumers in Latin America, Superdigital, is part of the group's strategy.

The broader Brazilian financial sector shows near-total bank usage, with over 94% of adults having access to a bank account and other basic financial services as of a May 2025 survey.

Here's a quick look at some key 2025 performance figures for Banco Santander (Brasil) S.A. (BSBR) and the wider Santander Group:

The bank's Q2 2025 net income was BRL 3.7 billion, showing a year-on-year positive evolution of almost 10%. The Return on Average Equity (ROAE) for Q2 2025 was at 16.4%. The group achieved a Return on Tangible Equity (ROTE) of 16% in H1 2025.

Shareholders approved the merger of its subsidiary Santander Leasing S.A. Arrendamento Mercantil into the bank, with shareholders representing 95.32% of the voting capital present at the November 28th, 2025 meeting.

The bank is focused on enhancing customer engagement and operational efficiency through digital means. You can see the focus on digital customer engagement platforms:

• Consumer finance loan book increased by 16% in Q2 2025.
• Significant growth in transactionality in the retail segment.
• The One app is central to enhancing customer interaction.