Banco Santander (Brasil) S.A. (NYSE:BSBR) Q4 2023 Earnings Call Transcript

To speak less about the product and more about the client, we want clients to be served by Santander in all different ways. If they want to do it via FGTS, the worker severance fund, that would be good. I prefer clients to finance a product that is better for them than a product that has a higher spread. But I will have that operation and I will not get the principality of the client. So, we want to understand what is best for the client. And in personal credit, we’ll speak less about products and more about clients. But the installment PIX is a reality, and it will be more and more relevant for us and for the industry.

Guilherme Grespan: Thank you. Perfect. Thank you very much.

Camila Toledo: With this, I would like to thank you all for joining us this morning. Immediately after this video conference, myself and the entire Santander Brazil investor relations team will be available to answer any remaining questions you might have. Thank you very much. Have a great day and see you next time. Again, thank you very much and I hope to see you in the next call.