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    Yudi Fernandez

    Research Analyst at JPMorgan Chase & Co.

    Yudi Fernandez is an equity research analyst at JPMorgan Chase & Co., specializing in covering the Latin American banking sector with a focus on companies such as Banco Santander Brasil SA. As evidenced by participation in earnings calls, Fernandez demonstrates expertise in providing insights on leading financial institutions in the region. While detailed career timeline and previous employers remain undisclosed, Fernandez is actively involved at JPMorgan as of 2025, contributing research within the firm's established banking coverage team. Information regarding professional credentials or industry recognitions, such as FINRA registrations or TipRanks rankings, is not currently available.

    Yudi Fernandez's questions to Banco Santander (Brasil) (BSBR) leadership

    Yudi Fernandez's questions to Banco Santander (Brasil) (BSBR) leadership • Q2 2025

    Question

    Yudi Fernandez of JPMorgan Chase & Co. asked about the sustainability of the bank's top-line growth, expressing concern that weak loan volumes might challenge the strong NII spread dynamics over the next 1-2 years.

    Answer

    CEO Mario Roberto Opice Leão emphasized that the primary KPI is profitability, not loan volume. He stated the bank can grow more in specific profitable segments like consumer finance and high-income individuals. The strategy is to maintain credit discipline while driving top-line growth through an improved mix and a significant expansion of fee-based income from cards, insurance, and capital markets.

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