Welcome to our dedicated page for Banco Santander SEC filings (Ticker: BSBR), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Banco Santander (Brasil) S.A. (BSBR) SEC filings page on Stock Titan provides structured access to the bank’s regulatory disclosures as a foreign private issuer. Banco Santander (Brasil) S.A. is a publicly held commercial bank based in São Paulo, Brazil, and part of Santander Group. It files an annual report on Form 20-F and frequent Form 6-K reports under the Securities Exchange Act of 1934.
Through its notices to the market, the company explains that each Form 20-F includes financial and operational data for the year, certifications under the U.S. Sarbanes-Oxley Act that attest to the effectiveness of internal controls and procedures, and an audit opinion from PricewaterhouseCoopers Auditores Independentes on the financial statements and on internal control over financial reporting. Shareholders are informed that they can request a hard copy of the Form 20-F, which contains the complete audited financial statements, free of charge.
The bank also furnishes numerous Form 6-K reports that cover a range of topics, such as minutes of Board of Directors meetings, declaration and payment of interest on equity, notices to shareholders, materials for extraordinary general meetings, and information on officer elections and resignations. Some filings describe how interest on equity will be treated as part of mandatory dividends, the record dates for entitlement, and the ex-interest trading dates for the company’s shares and ADRs traded on the New York Stock Exchange.
On this page, Stock Titan surfaces these filings with AI-powered summaries that explain the key points of lengthy documents, helping users quickly understand board resolutions, shareholder meeting agendas, and distribution terms. Real-time updates from EDGAR ensure that new 20-F and 6-K submissions for BSBR are available promptly, while specialized views make it easier to navigate recurring items such as interest on equity notices and governance-related minutes.
Banco Santander (Brasil) – 6-K, 30 Jun 2025 (figures in R$ ‘000)
- Profitability: 1H25 net profit fell 23% YoY to 5.14 bn; Q2 profit dropped 45% to 1.99 bn. Operating income before tax declined 32% to 6.60 bn.
- Revenue mix: Net interest income rose 9% YoY to 29.8 bn, helped by higher volumes in trading and ALM. Net fee income inched up 2% to 8.41 bn. Market-related gains swung to +3.79 bn from a –1.05 bn loss.
- Credit quality: Impairment charges jumped 22% to 17.39 bn, including a R$4.33 bn post-model overlay reflecting a tougher macro outlook. Non-recoverable loans closed at 43.7 bn (+9% YTD); coverage ratio improved as allowance rose to 38.3 bn.
- Efficiency & costs: Administrative expenses grew 4.8% to 10.48 bn; cost-to-income rose to 31% (vs. 30%).
- Balance sheet: Assets 1.24 trn (+0.1% YTD). Customer loans at AC contracted 5% to 532.9 bn; customer deposits fell 3% to 587.2 bn. CET1 supportive: equity climbed 2.9% to 123.3 bn, helped by OCI improvement from reclassifying R$23.19 bn of ALCO securities to amortized cost (+514 m net of tax).
- Liquidity & cash: Operating cash flow swung to +21.6 bn (1H24: –7.6 bn). Cash & equivalents 86.0 bn (+28%).
- Capital instruments: Tier I perpetual bills held at 7.96 bn; total eligible debt up to 24.3 bn.
Key takeaway: Solid NII and trading gains were offset by sharply higher loan-loss provisions and shrinking loan/deposit volumes, driving a notable earnings contraction amid a more challenging credit environment.