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    Gustavo Binsfeld

    Research Analyst at Goldman Sachs

    Gustavo Binsfeld is an analyst at Goldman Sachs, though public records and available disclosures do not indicate a more senior title such as Vice President or Managing Director nor do they provide detailed specialization or sector focus. There is no verifiable information about specific companies he covers, quantifiable performance track records, or rankings on platforms like TipRanks. His visible professional history and credentials remain limited, as there is no confirmation of prior roles, career timeline details, or specific securities licenses. As of the most recent earnings call transcripts, he is referred to as a research analyst without further career or credential specifics.

    Gustavo Binsfeld's questions to Banco Santander (Brasil) (BSBR) leadership

    Gustavo Binsfeld's questions to Banco Santander (Brasil) (BSBR) leadership • Q4 2023

    Question

    Inquired about the outlook for provisions and cost of credit in 2024, asking if it will be another transition year or if normalization is expected. He also asked if the specific corporate provision case in Q4 was a one-off event.

    Answer

    The executive stated that the cost of credit percentage has been improving and is expected to continue this trend. While absolute provisions (ALL) will grow with the loan portfolio, the cost of this new credit should be lower. They confirmed the corporate case was a one-off event and they do not foresee any other relevant similar cases in their portfolio for 2024.

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