Santander Brasil is a multi-bank part of the global Santander group, active in the Brazilian financial market. Its operations are divided into two main segments: Retail and Wholesale. The Retail segment serves individuals and small and medium-sized enterprises (SMEs), offering a complete portfolio of banking products and services, including several credit lines such as payroll, real estate and vehicle finance. Wholesale, through Santander Corporate and Investment Banking (SCIB), focuses on serving large companies with investment banking solutions and structured transactions. The institution also has a strong asset and wealth management presence through its Santander Wealth Management unit. The business model seeks to integrate different areas to offer complete solutions to clients across the country.