{"id":312033,"date":"2022-10-26T15:42:06","date_gmt":"2022-10-26T18:42:06","guid":{"rendered":"https:\/\/www.suno.com.br\/noticias\/?p=312033"},"modified":"2022-10-26T17:00:54","modified_gmt":"2022-10-26T20:00:54","slug":"santander-sanb11-resultados-fracos-3t22-xp-ubs","status":"publish","type":"post","link":"https:\/\/www.suno.com.br\/noticias\/santander-sanb11-resultados-fracos-3t22-xp-ubs\/","title":{"rendered":"Santander (SANB11): XP v\u00ea 3T22 &#8220;fraco e pressionado por margens&#8221;; recomenda\u00e7\u00e3o \u00e9 de venda"},"content":{"rendered":"<p>Vendo os n\u00fameros do <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/resultado-financeiro\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">resultado financeiro<\/a> do <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/acoes\/SANB11\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\"><strong>Santander<\/strong> (SANB11)<\/a> divulgados na manh\u00e3 desta quarta-feira (26), a XP reiterou sua recomenda\u00e7\u00e3o de venda com pre\u00e7o-alvo de R$ 32.<\/p><div class=\"videoFull \">\n\t\t\t<div class=\"videoWrapper yt-lazyload center\"\n\t\t\t\tdata-width=\"960\"\n\t\t\t\tdata-height=\"540\"\n\t\t\t\tdata-id=\"Sij5DFM_OZ4\"\n\t\t\t\tdata-alt=\"V\u00eddeo do YouTube - clique para reproduzir\"\n\t\t\t\tdata-logo=\"3\"\n\t\t\t\tdata-imagequality=\"maxres\">\n\t\t\t<\/div>\n\t\t<\/div><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"VideoObject\",\"name\":\"EXPECTATIVAS PARA COPOM | Lucro da WEG supera proje\u00e7\u00f5es | Elei\u00e7\u00f5es ofuscam eventos\",\"description\":\"#morningcall #Not\u00edcias #elei\u00e7\u00f5es2022 #elei\u00e7\u00f5es #jairbolsonaro #lula #wege3 #weg #copom #google #microsoft #santander #sanb11 \ud835\udc08\ud835\udc0d\ud835\udc12\ud835\udc02\ud835\udc11\ud835\udc04\ud835\udc15\ud835\udc00-\ud835\udc12\ud835\udc04 \ud835\udc0d\ud835\udc0e \ud835\udc02\ud835\udc00\ud835\udc0d\ud835\udc00\ud835\udc0b \ud835\udc04 \ud835\udc00\ud835\udc13\ud835\udc08\ud835\udc15\ud835\udc04 \ud835\udc0e \ud835\udc12\ud835\udc08\ud835\udc0d\ud835\udc0e \ud83d\udc47 https:\/\/bit.ly\/INSCREVA-SEATIVEOSINO \ud83d\udcda \ud83d\udcb8\ud835\udc02\ud835\udc28\ud835\udc27\ud835\udc2c\ud835\udc2d\ud835\udc2b\ud835\udc2e\ud835\udc1a \ud835\udc2e\ud835\udc26\ud835\udc1a \ud835\udc1c\ud835\udc1a\ud835\udc2b\ud835\udc2d\ud835\udc1e\ud835\udc22\ud835\udc2b\ud835\udc1a \ud835\udc1c\ud835\udc1a\ud835\udc26\ud835\udc29\ud835\udc1e\u00e3 \ud835\udc2e\ud835\udc2c\ud835\udc1a\ud835\udc27\ud835\udc1d\ud835\udc28 \ud835\udc1a\ud835\udc2c \ud835\udc2d\u00e1\ud835\udc2d\ud835\udc22\ud835\udc1c\ud835\udc1a\ud835\udc2c \ud835\udc1d\ud835\udc1a \ud835\udc12\ud835\udc2e\ud835\udc27\ud835\udc28 \ud835\udc1e \ud835\udc2d\ud835\udc1e\ud835\udc27\ud835\udc21\ud835\udc1a \ud835\udc2b\ud835\udc1e\ud835\udc2c\ud835\udc2e\ud835\udc25\ud835\udc2d\ud835\udc1a\ud835\udc1d\ud835\udc28\ud835\udc2c \ud835\udc1a\ud835\udc1c\ud835\udc22\ud835\udc26\ud835\udc1a \ud835\udc1d\ud835\udc1a \ud835\udc26\u00e9\ud835\udc1d\ud835\udc22\ud835\udc1a. \ud835\udc00 \ud835\udc01\ud835\udc25\ud835\udc1a\ud835\udc1c\ud835\udc24 \ud835\udc05\ud835\udc2b\ud835\udc22\ud835\udc1d\ud835\udc1a\ud835\udc32 \ud835\udc1e\ud835\udc2c\ud835\udc2d\u00e1 \ud835\udc1c\ud835\udc21\ud835\udc1e\ud835\udc20\ud835\udc1a\ud835\udc27\ud835\udc1d\ud835\udc28 \ud835\udc1e \ud835\udc2f\ud835\udc28\ud835\udc1c\u00ea \ud835\udc29\ud835\udc2b\ud835\udc1e\ud835\udc1c\ud835\udc22\ud835\udc2c\ud835\udc1a \ud835\udc1e\ud835\udc2c\ud835\udc2d\ud835\udc1a\ud835\udc2b \ud835\udc29\ud835\udc2b\ud835\udc1e\ud835\udc29\ud835\udc1a\ud835\udc2b\ud835\udc1a\ud835\udc1d\ud835\udc28 \ud835\udc29\ud835\udc1a\ud835\udc2b\ud835\udc1a \ud835\udc1a\ud835\udc29\ud835\udc2b\ud835\udc28\ud835\udc2f\ud835\udc1e\ud835\udc22\ud835\udc2d\ud835\udc1a\ud835\udc2b \ud835\udc1a\ud835\udc2c \ud835\udc26\ud835\udc1e\ud835\udc25\ud835\udc21\ud835\udc28\ud835\udc2b\ud835\udc1e\ud835\udc2c \ud835\udc28\ud835\udc1f\ud835\udc1e\ud835\udc2b\ud835\udc2d\ud835\udc1a\ud835\udc2c \ud835\udc1d\ud835\udc1a \ud835\udc12\ud835\udc2e\ud835\udc27\ud835\udc28\u2026\",\"duration\":\"PT37M22S\",\"embedUrl\":\"https:\/\/www.youtube.com\/embed\/Sij5DFM_OZ4\",\"regionsAllowed\":\"pt-BR\",\"interactionStatistic\":{\"@type\":\"InteractionCounter\",\"interactionType\":{\"@type\":\"WatchAction\"},\"userInteractionCount\":1933},\"thumbnailUrl\":\"https:\/\/i.ytimg.com\/vi\/Sij5DFM_OZ4\/default.jpg\",\"uploadDate\":\"2022-10-26T12:42:22Z\"}<\/script>\n\n\t<p>\n\t\t<a href=\"https:\/\/lp2.suno.com.br\/cl\/black-friday-2025\/?utm_campaign=_SNCDF0E4858_\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2025\/10\/Artigos-e-Noticias-Banner-Home-artigos-01-Mobile_-400x300-1-png.webp\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2025\/10\/Artigos-e-Noticias-Banner-Home-artigos-01-Desktop_-1420x240-1-png.webp\"\n\t\t\t\t\tdata-promo-id=\"311259\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='240'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2025\/10\/Artigos-e-Noticias-Banner-Home-artigos-01-Desktop_-1420x240-1-png.webp\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n<p>A &#8216;vis\u00e3o conservadora&#8217; sobre as a\u00e7\u00f5es do Santander veio ap\u00f3s um\u00a0<strong>resultado do 3T22<\/strong> com margens financeiras mais apertadas, com um NII abaixo do esperado no per\u00edodo.<\/p>\n<p>&#8220;Consequentemente, isso levou a uma pior <strong>rentabilidade<\/strong> no 3T22, com um ROAE anualizado de 15,6% (-5,2pp T\/T). Do lado positivo, a inadimpl\u00eancia manteve-se em n\u00edveis controlados (3,0%), levando a um \u00edndice de cobertura est\u00e1vel e saud\u00e1vel de 226%&#8221;, diz a XP.<\/p>\n<p>A \u00faltima linha do <strong>balan\u00e7o<\/strong>, segundo a casa, ficou 15% abaixo das proje\u00e7\u00f5es.<\/p>\n<p>&#8220;Apesar da <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/carga-tributaria\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">carga tribut\u00e1ria<\/a> abaixo do esperado (al\u00edquota de 7%) beneficiando seus resultados, o <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/lucro-liquido\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">lucro l\u00edquido<\/a> recorrente do banco no 3T22 atingiu R$ 3,1 bilh\u00f5es (-23% T\/T e 15% abaixo do nosso n\u00famero). Isso se deve principalmente ao NII mais fraco, que pressionou o resultado deste trimestre e levou a um ROAE anualizado de 15,6%&#8221;, destacam os analistas da XP.<\/p>\n<p>Um dos poucos pontos positivos, conforme citado, foi o aumento &#8216;marginal&#8217; do <strong>\u00edndice de inadimpl\u00eancia<\/strong>, mantendo um \u00edndice de cobertura em patamar est\u00e1vel de 226%, ainda &#8216;considerado saud\u00e1vel&#8217; pela XP.<\/p>\n<h2>UBS v\u00ea Santander &#8216;ainda mais fraco do que o esperado&#8217; no 3T22<\/h2>\n<p>No seu parecer, o UBS manteve recomenda\u00e7\u00e3o neutra para os pap\u00e9is <a href=\"https:\/\/statusinvest.com.br\/acoes\/sanb11\"><strong>SANB11<\/strong> <\/a>e frisou &#8216;resultados ainda mais fracos do que o esperado&#8217;, citando o <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/lpa-lucro-por-acao\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">lucro por a\u00e7\u00e3o<\/a> (LPA) de R$ 4,12 estimado para o acumulado deste ano.<\/p>\n<p>&#8220;A margem financeira com os clientes mostrou uma leve queda em meio a spreads menores. Al\u00e9m disso, a margem com o mercado apresentou preju\u00edzo semelhante ao 2T22 de R$ 1,5 bilh\u00e3o, ainda impactado negativamente pelo atual n\u00edvel da taxa de <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/politica-monetaria\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">pol\u00edtica monet\u00e1ria<\/a>&#8220;, destacam os analistas do UBS.<\/p>\n<p>&#8220;O \u00edndice de inadimpl\u00eancia de 90 dias veio melhor do que o esperado, aumentando 11bps QoQ para 3,0%, fomentado por pessoas f\u00edsicas \u2013 nota-se que os cr\u00e9ditos renegociados continuam em patamares muito elevados&#8221;, acrescentam.<\/p>\n<h2>Veja os n\u00fameros do SANB11<\/h2>\n<p>O <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/acoes\/SANB11\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\"><strong>Santander<\/strong> (SANB11)<\/a> reportou <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/lucro-liquido\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"1\">lucro l\u00edquido<\/a> gerencial de R$ 3,122 bilh\u00f5es no terceiro trimestre de 2022 (3T22),\u00a0O <a href=\"https:\/\/statusinvest.com.br\/acoes\/sanb11\"><strong>lucro do Santander<\/strong><\/a>, assim, \u00e9 23,5% menor do que o reportado no segundo trimestre de 2022. A queda foi de 28% na compara\u00e7\u00e3o com o 3T21.<\/p>\n<p>Assim, no acumulado de 2022, em nove meses, o lucro l\u00edquido foi de R$ 11,211 bilh\u00f5es, retra\u00e7\u00e3o de 10,1% se comparado com o mesmo per\u00edodo do ano anterior.<\/p>\n<p>Segundo o\u00a0<strong>resultado do Santander<\/strong> o retorno sobre o patrim\u00f4nio l\u00edquido (ROE) foi de 15,6% no 3T22 e 19,0% no acumulado dos primeiros nove meses do ano.<\/p>\n<p>As receitas totais de presta\u00e7\u00e3o de servi\u00e7os do Santander chegaram a R$ 4,734 bilh\u00f5es no terceiro trimestre de 2022, representando redu\u00e7\u00e3o de 3,0%, \u201cinfluenciado por menores receitas de administra\u00e7\u00e3o de fundos, cart\u00f5es de cr\u00e9dito e corretagem e coloca\u00e7\u00e3o de t\u00edtulos\u201d, diz o banco.<\/p>\n<p>No total a margem do <strong>Santander no 3T22<\/strong> totalizou R$ 39,311 bilh\u00f5es no acumulado dos nove primeiros meses de 2022, representando queda de 5,2% se comparado com o mesmo per\u00edodo do ano anterior.<\/p>\n<p>A margem de opera\u00e7\u00f5es com o mercado, por sua vez, fechou em R$ 1,545 bilh\u00e3o no 3T22, praticamente est\u00e1vel no trimestre e com redu\u00e7\u00e3o no ano, impactada pela sensibilidade da <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/artigos\/juros\/\" target=\"_blank\" rel=\"noopener\" data-force=\"no\" data-priority=\"2\">taxa de juros<\/a>.<\/p>\n<p>A margem financeira bruta alcan\u00e7ou R$ 12,598 bilh\u00f5es no terceiro trimestre de 2022, uma queda de 1,4% em rela\u00e7\u00e3o ao 2T22.<\/p>\n<h3>Despesas chegam a R$ 5,7 bilh\u00f5es<\/h3>\n<p>As despesas gerais do Santander atingiram R$ 5,69 bilh\u00f5es no trimestre, crescimento de cerca de 5% no comparativo com o trimestre anterior.<\/p>\n<p>O banco aponta maiores gastos com o pessoal, segmento que cresceu 6,3% no trimestre, por conta de um acordo coletivo aplicado sobre a base salarial da companhia a partir de setembro de 2022.<\/p>\n<p>Al\u00e9m disso o Santander alega &#8220;maiores gastos administrativos com varia\u00e7\u00e3o de +3,3%, principalmente pelo crescimento dos neg\u00f3cios, com maiores custos com processamento de dados e servi\u00e7os t\u00e9cnicos especializados e de terceiros e maior gasto de amortiza\u00e7\u00e3o e deprecia\u00e7\u00e3o que atingiu 4,6% neste trimestre refletindo principalmente os maiores investimentos realizados em software e hardware\u201d.<\/p>\n<h2>Veja mais balan\u00e7os do 3T22<\/h2>\n<p>Nesta semana, divulgam seus\u00a0<strong>balan\u00e7os trimestrais<\/strong> empresas como a <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/acoes\/SUZB3\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\">Suzano (SUZB3)<\/a>, a <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/acoes\/ABEV3\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\">Ambev (ABEV3)<\/a> a <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/acoes\/VALE3\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\">Vale (VALE3)<\/a> e a <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/acoes\/GOLL4\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\">Gol (GOLL4)<\/a>.<\/p>\n<p>Nesta quarta (26), al\u00e9m do <strong>Santander<\/strong>, divulgam seus balan\u00e7os a <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/acoes\/KLBN11\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\">Klabin (KLBN11)<\/a>, a <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/acoes\/WEGE3\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\">Weg (WEGE3)<\/a> e a <a class=\"suno-keyword\" href=\"https:\/\/www.suno.com.br\/acoes\/enbr3\/\" target=\"_blank\" rel=\"noopener\" data-force=\"yes\" data-priority=\"2\">Energias do Brasil (ENBR3)<\/a>.<\/p>\n\t<p>\n\t\t<a href=\"https:\/\/lp.suno.com.br\/ebook-como-analisar-uma-acao\/\" target=\"_blank\" data-element=\"shortcode-suno-banner\" title=\"Banner SUNO, clique e saiba mais\">\n\t\t\t<picture>\n\t\t\t\t<source media=\"(max-width: 500px)\" srcset=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/12\/Ebook-Acoes-Mobile.jpg\">\n\t\t\t\t<img class=\"newsContent__article__imgCapa newsContent__article__imgCapa--banner\"\n\t\t\t\t\tsrc=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/12\/Ebook-Acoes-Desktop.webp\"\n\t\t\t\t\tdata-promo-id=\"311260\"\t\t\t\t\t\t\t\t\t\twidth='1420' height='286'\t\t\t\t\talt=\"https:\/\/files.sunoresearch.com.br\/n\/uploads\/2023\/12\/Ebook-Acoes-Desktop.webp\"\n\t\t\t\t>\n\t\t\t<\/picture>\n\t\t<\/a>\n\t<\/p>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Vendo os n\u00fameros do resultado financeiro do Santander (SANB11) divulgados na manh\u00e3 desta quarta-feira (26), a XP reiterou sua recomenda\u00e7\u00e3o de venda com pre\u00e7o-alvo de R$ 32. A &#8216;vis\u00e3o conservadora&#8217; sobre as a\u00e7\u00f5es do Santander veio ap\u00f3s um\u00a0resultado do 3T22 com margens financeiras mais apertadas, com um NII abaixo do esperado no per\u00edodo. &#8220;Consequentemente, isso [&hellip;]<\/p>\n","protected":false},"author":73,"featured_media":29724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[64],"tags":[105816,624],"suno_strategy":[],"class_list":["post-312033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-negocios","tag-especialistas","tag-santander-sanb11-sanb3-sanb4"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Santander (SANB11): XP v\u00ea resultados fracos e recomenda venda<\/title>\n<meta name=\"description\" content=\"Analistas do UBS e da XP reiteram vis\u00e3o negativa com o Santander ap\u00f3s 3T22, apesar da inadimpl\u00eancia melhor do que o esperado. Confira!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.suno.com.br\/noticias\/santander-sanb11-resultados-fracos-3t22-xp-ubs\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Santander (SANB11): XP v\u00ea resultados fracos e recomenda venda\" \/>\n<meta property=\"og:description\" content=\"Analistas do UBS e da XP reiteram vis\u00e3o negativa com o Santander ap\u00f3s 3T22, apesar da inadimpl\u00eancia melhor do que o esperado. 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