#1Institutional Presentation Santander 1st quarter of 2022 (BR GAAP) Results Presentation 1Q22 Earnings Release 1Q22 33333 3333#2. Disclaimer • This presentation may contain certain forward-looking statements and information pertaining to Banco Santander (Brasil) S,A, ("Santander Brasil") and its subsidiaries, which reflect the current views and / or expectations of Santander Brasil and its management regarding its business performance and future events. Forward-looking statements include, without limitation, any statement that may predict, forecast, indicate or imply future results, performance or achievements, and may contain words such as "believe", "anticipate", "expect", "estimate", "could", "forecast", "potential", "will likely result", or other words or expressions of similar meaning. Such statements are subject to several risks, uncertainties and assumptions. We caution that a number of important factors may cause actual results to differ substantially from the plans, objectives, expectations, estimates and intentions expressed herein. We do not undertake any obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. In no event shall Santander Brasil, or any of its subsidiaries, affiliates, shareholders, directors, officers, employees or agents be liable to any third party (including investors) for any investment or business decision or action taken in reliance on the information and statements contained in this presentation or for any consequential, special or similar damages. In addition to factors identified elsewhere in this presentation, the following factors, among others, may cause actual results to differ materially from the forward-looking statements or historical performance: changes in the preferences and financial condition of our consumers and competitive conditions in the markets in which we operate, changes in economic, political and business conditions in Brazil; government interventions, resulting in changes in the Brazilian economy, taxes, tariffs or regulatory environment; our ability to compete successfully; changes in our business; our ability to successfully implement marketing strategies; our identification of business. opportunities; our ability to develop and introduce new products and services; changes in the cost of our products and operating costs; our level of indebtedness and other financial obligations; our ability to attract new customers; inflation in Brazil; the devaluation of the Brazilian Real against the U.S. Dollar and interest rate fluctuations; current or future changes in laws and regulations; and our ability to maintain existing business relationships and create new relationships. INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 2#3Key aspects of the brazilian market TO FX (BRL/USD) Impacted by institutional uncertainties % Inflation (% p.a.) Recent shocks pose a threat to anchoring of expectations Economic activity performance(%) 5.20 5.58 5.00 10.06 3.87 4.03 3.31 2.95 3.75 4.31 4.52 2017 2018 2019 2020 2020 7.92 2022¹ 2017 2018 2019 2020 2021 2022¹ Selic Rate (% p.a.) Necessary (and strong) adjustment must be made to keep inflation in check здо GDP (% p.a.) Economic recovery is in jeopardy 13.25 9.25 1.30 1.78 1.22 7.00 6.50 4.50 2.00 -3.88 2017 2018 2019 2020 2021 20221 INVESTIDOR RELATIONS 4.62 0.66 2017 2018 2019 2020 2021 20221 IIIIII bas Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Industrial production Retail sales Volume of services 11.5 4.0 -2.1 Social indicator 11.1% Unemployment Rate Mar-22 0 bps mar-22 vs. dec-21 -380 bps mar-22 vs. mar-21 Sources: Brazilian Central Bank and IBGE 1 Santander Brasil estimate [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 3 Macroeconomy and Financial System#41% Mar-17 2% 3% -Total 4% 5% INVESTIDOR RELATIONS 11 7 3 -1 -5 -9 -13 Characteristics of the brazilian market A Primary balance and gross debt (% of GDP) Mar-17 Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Primary balance Brazilian financial system profile ✓ Provision for loan losses rate - Segment | Institution Jun-17 Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 -Individuals •Corporate [email protected] Public Jun-21 Sep-21 Dec-21 -Private 0800 286 8484 Mar-22 Gross debt 3.3% 2.7% 2.5% 2.2% 1.4% Sep-21 Dec-21 Feb-22 Mar-22 Dec-16 Mar-17 Jun-17 80 Investment (% of GDP) Brazil risk (CDS 5 years, bps) 100 90 70 19.2 226 209 60 15.5 50 ~ TIT Dec-16 Dec-21 Mar-17 Mar-22 Household debt (%) Sep-17 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 FAQ www.santander.com.br/faq Household debt ratio Without mortgage loans Mortgage loans Sources: Brazilian Central Bank, IBGE and Santander 1 Considering Gross Fixed Capital Formation over 12- month rolling GDP Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 4 33.0 19.6 52.6 m Macroeconomy and Financial System#5Santander Brasil's consolidated footprint in the brazilian market IPO and aquisition Initial public offering (IPO) Efficiency and processes Commercial transformation and profitability Santander Brasil Profile 100% aquisition of Olé Consignado Aquisition of Superdigital 51% aquisition of LOOP Sale of Superdigital 20% aquisition of CSD Registradora 2009 2014 2016 2017 2018 2019 2020 2021 2022 - 89% aquisition of Getnet 70% aquisition of Return 60% aquisition of Banco Bonsucesso Consignado Voluntary exchange tender offer (OPA) INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 100% aquisition of Getnet 100% aquisition of Return 80% aquisition of Gira Partial spin-off of Santander Brasil, segregating from Getnet 60% aquisition of Toro 100% aquisition of Mobills and Monetus 90% aquisition of Apê11 80% aquisition of Solution4Fleet 66.7% aquisition of Car10 100% aquisition of Paytec 100% aquisition of Liderança Cobranças 5#6Strategic priorities based on interconnected pillars: £☆ Customer centricity Custo mer We will incorporate the customer-advocacy mindset into everything we do Client experience throughout the entire consumer cycle Designing strong and more integrated sales channels Improving our customer's ability to self-serve IIIIII Developing dynamic and personalized pricing models based on more intelligent CRM data and segmentation Shifting our orientation, from the typical banking classic 'product push' to 'consumer pull', customer experience Culture People ture A truly horizontal culture Key pillars: Empowerment Meritocracy Diversity All areas 'think and act' as business units • 1st financial services platform to launch NPS on a full scale All employees are salespersons to understand and serve our customers INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 6 Strategy#7Strategic priorities based on interconnected pillars: 强 Sales channels Distribution Chan nels Aim to build the best sales platform in Brazil Integrated sale and post-sale offering Customers served 24x7 however they want Omni-channel approach Digital channel key pillar for our integrated, multi- channel offering Physical channel competitive advantage versus digital peers; redesigning our store of the future; bank-to-go Remote sales channel from "customer support" to powerful cost-efficient sales channel External channel exponential growth into several new regions in Brazil Innovation Capital Capitano vation TransferNowPay Later "Divide Pix" Pioneering the launch of installment credit 90% of "Divide Pix" users are new borrowers Home-Equity Market leaders¹ 23.4% total market share SMES SX integra: digital channel for supply-chain financing Capital: solid shareholders returns and payouts One of the best ROE globally INVESTIDOR RELATIONS 1 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Among the private-sector banks 7 Strategy#8sustaining our ambition to be the Best Financial Services Consumer Company in Brazil VO ԲԱՆԱԱՐԴՇԻ LECCE SANTANDER IM ING AND im THE PU TIM IN TH N THE INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 8 NO AN TO Strategy#9B M 10 00 ୦୯୬ Loan Portfolio R$ 455 billion +7% YOY Which enabled us to deliver consistently high profitability, Revenues R$ 19 billion +4% YoY Efficiency 36.0% generating benchmark shareholder returns IIIIII Shareholders Customers People Communities " AP 10 ROAE 21.3% 20.6% 20.7% Dividend Yield 8.0% 5.6% 2.4% +1.8 p.p. YoY R$ 組 Net Profit R$ 4.0 billion +1.3% YoY INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq T " 1T20 1T21 1T22 0.24 0.80 Div/Share 0.45 1T20 1Q20 1T21 1Q21 1T22 1Q22 9#10IIIIII Shareholders Customers People Communities Enhanced customer experience boosts aquisition, loyalty and profitability per customer +acquisition Customers (million) Revenue per customer Thousands/month +12% YoY 54.8 53.4 +7% YoY +69% 940.6 49.0 30.6 556.8 632.4 30.3 271.3 8.3 +133% 28.4 +12% YoY 7.9 Mar/21 Mar/22 6.6 -Total -Digital Mar/21 Dec/21 Total Active Mar/22 Customers with 6 or more products Customer base growth YoY +12% +8% +17% Total Active Digital INVESTIDOR RELATIONS +27% with 6 or more products +active customers +70% become active customers within four months +33% YoY sales on the digital channel +loyalty 27% of the active customer base are loyal 25% of newly- acquired customers are loyal¹ Revenue from loyal customers is 5.6x higher than from non-loyal customers [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 1 Based on the last six-month average 10#11Serving our customers whenever and wherever they want Sales channels Shareholders Customers People Communities Physical channel our stores Digital channel our apps 15 million flow of people in our stores/month 517 million visits/month¹ ((8)) Remote channel sales and post-sales hubs 20 million visits/month External channel our expanded footprint Available in 2,020 regions 50% are non-customers Bank to Go 22k contracts in Mar/22 Ambition of more than 200k contracts in 2022 17% of newly-acquired customers are unbanked 92% of Bank transactions occur via digital channels +3 million sales/month From call center to sales channel ~800k product sales/month 49% of the services are made out of 9a.m. until 4p.m. representing 36% of Brazilian municipalities 22k active promoters +R$ 1 billion contracts/month 1 Website, IB and App visit INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 11#12Shareholders Customers People Communities Strategy suited to each customer profile Individuals Santander | Private banking Investments above R$ 5 million Santander | Select Monthly income above R$ 10,0001 or R$ 100,000 in investments Santander | Van gogh Monthly income from R$ 4,000 to R$ 10,000 or R$ 40,000 in investments Corporate SCIB Global Customers List Corporate Revenue above R$ 200 million Empresas E3 Núcleo Revenue from R$ 30 million to R$ 200 million Empresas E2 Polo Revenue from R$ 3 million to R$ 30 million Santander | Especial Monthly income below R$ 4,000 INVESTIDOR RELATIONS Segmentation [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Negócios E1 Agência Revenue from R$ 97,000 to R$ 3 million. Negócios Remoto MEI Up to R$ 97,000 in revenue 1 It includes R$ 30,000 in investments Corporate Large SMES 12#13Focus on organic innovation Offerings targeting each customer profile Products sold in retail #Amount millions TransferNowPayLater "Divide Pix" Pioneering the launch of installment credit IIIIII 3 Innovation and capital Shareholders Customers People Communities Improved end-to-end journey Capacity Cloud Quick Delivery Lead time -20% YoY (from 22 to 18 business days) Issuance of mortgage loans Process Simplification Digital origination 74% of personal loan sales +25% 76% 90% of "Divide Pix" users are new borrowers 10.3 of our operations 8.2 1Q21 1Q22 INVESTIDOR RELATIONS Toro +90k customers in 1Q22 +227% YoY active accounts SMES SX integra: digital channel for supply-chain financing Cost to serve Digital customer R$/month [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 42.6 39.8 -25% YoY 33.9 30.1 22.6 Mar-18 Mar-19 Mar-20 Mar-21 Feb-22 13#14Diversified business model and scale across all segments Shareholders Customers People Communities Product and segment breakdown (Share in total loans) Mar/22 Large Corporate Credit portfolio 26% 47% R$ 455.2 14% SMES 14% Individuals Individuals Consumer Finance Corporate and SMEs R$ billion Balance QoQ R$ billion Balance QoQ R$ billion Working Capital Balance QoQ Payroll 53.9 +1.1% and Others 130.1 -5.4% billlion of which Mortgage 53.5 +1.0% Auto 56.1 -0.6% Trade Finance 29.7 -3.2% Consumer Finance Personal and Others 46.8 +3.3% Others 8.8 -1.4% On-lending 9.1 -8.3% Credit Card 44.4 -0.9% Leasing/Auto 3.3 -1.0% Agricultural 9.4 -0.7% Leasing/Auto 4.4 -0.7% Agricultural Mortgage 3.9 +0.2% 1.8 +1.7% Loan concentration Personal Loans and Others; 22% Leasing/Auto Loans; 2% Others; 14% Leasing/Auto Loans; 2% Agricultural Loans; 2% Santander Brasil risk Trade Finance; 17% Credit Card; 21% 100 Largest 50 Largest 20% Agricultural 15% loans; 4% 20 Largest 10% 10 Largest 6% Mortgage Loans; 25% Payroll Loans; 25% Largest Debtor 1% Auto loans; 86% Working Capital and Others; 73% " " INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq H Π B O= " " Π B On-lending; 5% Mortgage Loans; 1% " 14 ITIONE DO Π#15INVESTIDOR RELATIONS IIIIII Customer centricity as a foundation for our growth Customer centricity B N E [email protected] E " Shareholders Customers People Communities NPS 57 points 11 million annual rating requests daily measurements all sales channels all products Conversion from detractor to promoter +78% Revenue growth Revenue from a loyal and promoter customer 08 +7x higher than the Bank's total average revenue per customer NPS 1Q22 Mortgage: 80 points Credit cards: 85 points Ambition to reach NPS +60 points in 2022 0800 286 8484 FAQ www.santander.com.br/faq 15#16Shareholders Customers People Communities Allowing for stronger commercial activity Cards Total turnover | R$ 82 billion +25% YoY Credit turnover R$ 56 billion +31% YoY Total transaction +1 billion +42% YoY 95% of new card customers are account holders Real estate Digital journey Lead time2 to issue mortgage loans -20% YoY From 22 to 18 business day Usecasa Leadership in home equity lending³ 23.4% Market share4 |||||| Loan portfolio to Individuals R$ 53.5 billion +15% YoY Loan portfolio R$ 3.4 billion +30% YoY O= Consumer Finance | 23.4% Market share¹ in Individual loan portfolio Cross sell +85k +68% YoY Current accounts conquered +Vezes Goods and services R$ 5.6 billion Loan portfolio +21% YoY Desendivida " Π Addressing our customers' needs Adhesion of +250k customers INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq " " " " 1 Source: Brazilian Central Bank, as of February 2022 2 Considering the time interval between the submission of all documentation and the signing of the agreement ³ Among private sector banks 4 Source: Abecip, as of February 2022 16 T#17JJJJJ Shareholders Customers People Communities SMES Small and Medium Enterprises Customers ~42k Account openings/month, maintaining a good customer acquisition pace 81% of the active customer base are Negócios E1 Agências and MEI Segment- targeted offers Specialty stores Broad offering and service portfolio based on customer categorization JJJJJ JJJJJ New Products and Offerings Giro flex Cash flow relief and a longer payment term Incentives Government-programs targeting SMES R$ 8.0 billion¹ balance mar/22 SX Integra New business and credit platform for Corporate customers, with confirming, a fully digital, which enables them to prepay their receivables Santander Gestão Integrada Cash flow management viewing in a single channel, in an entirely digital way and integrated with business IB Sales channels Expansion of offerings available Premium bonds ("Capitalização") via App, IB, Website and ATM Preventive credit lines via App, IB and IVR Agreements via IVR Cards MEI card, an exclusive credit card for this audience, with the goal of facilitating the separation of the business and entrepreneur's financial lives Programa Avançar Our entrepreneur support and development channel ~340k Visits in the quarter INVESTIDOR RELATIONS 17 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq The balance of government-sponsored credit programs was R$ 9.1 billion, as of March 2022#18We lead in wholesale segment as the only global bank with practical experience Shareholders Customers People Communities Global Bank We are Brazil's largest FX bank for the eighth consecutive year, according to the Central Bank ranking 2nd largest in foreign trade, with a USD 18 billion portfolio and a 30% market share Go-To Bank for infrastructure We are global leaders in renewable energy financing advisory with USD 10.3 billion in total credit, accounting for 28.4% of the world market We rank among the country's top five energy traders in terms of trading volume. Go-To Bank for agribusiness Largest agricultural commodities desk in Brazil Among the leaders in both CBIOS (decarbonization credits), with a 56% market share in the 1Q22, and Carbon Credits Strong presence in agribusiness receivables securitization Go-To Bank for Equities Largest international bank in equity offerings in Brazil Involved in 28 offerings worth more than R$ 58 billion in 2021 INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Santander 18 I I IIIIII IIIIII#19Ecosystem expansion Shareholders Customers People Communities Santander Auto Fully digital insurance company We started offering insurance for trucks, thereby broadening our operations in the automotive market 20% Santander Financiamentos penetration rate (+4.60 p.p. YoY) R$ 48 million 0 Written premiums (+14% YoY) Auto Compara Vehicle insurance offering platform with a completely online purchase journey 1.4 million Visits to our website, with +200k quotes R$ 207 million Gross written premiums (+9% YoY) R$ 12 million New sales premiums on e2e (website) (+37% YoY) Toro Investment platform Ecosystem of applications built on an open platform, providing an integrated, view of the financial life through open finance and advisory +227% YoY active customers +383% YoY AUC +5 million unique monthly visits and 1.5 million downloads Ben Company operating in the corporate benefits and expense management industry R$ 543 million 1Q22 turnover (+87% YoY) 654k active cards 2.8k HR customers (+162% YoY) Approval from the Brazilian Central Bank to become a Payment Institution INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 19#20Culture Shareholders Customers People Communities We have a unique culture, represented by our people and recognized by the market Diversity & Inclusion 31.1% Women in leadership roles IIIIII Culture & Leadership my Accolades 27.8% +2.9k (+13% YoY) courses held within 12 months Ambition 40% Dec/25 Black employees Empowered by a new set of corporate behaviors Think customer " " " " 72.6% administered by our own employees GPTW 2021 highlights National Ranking, 50+, Women, LGBTQI+, Ethnic- Racial and Financial Institution Embrace change | Act now | Move together | Speak up INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq " 20 20#21I " Transforming society through our people IIIIII T Ambitions Progress Target Eradication of single-use plastic consumption 100% of internal energy usage from renewable sources Net Zero scope 3 Environmental 78% + 2025 2050 Environmenta Carbon neutral since 2010 Largest urban photovoltaic generation plant R$ 280 million + of loans granted to sustainable cultures in the Amazon since 2021 Agro ecosystem: Gira, WayCarbon and Commodities INVESTIDOR RELATIONS ✩ ESG Shareholders Customers People Communities [email protected] 0800 286 8484 FAQ www.santander.com.br/faq B Accolades The most profitable bank in Brazil and 3rd most profitable in the world, according to Economática FORTUNE CHANGE THE WORLD 2021 EUROMONEY AWARDS FOR EXCELLENCE 2021 ISE B3 его ICO2 B3 Brasil ao Prêmio Eco MELHORES CDP do ESG exame JUNG JHEMERT A ON NEGOCHS 360 2021 Great Place To WorkⓇ 21#22INVESTIDOR RELATIONS ✩ ESG Shareholders Customers People Communities Social Social SANTANDER UNIVERSIDADES For 25 years, we have been supporting education +77k Scholarships granted since 2015 PROSPERA MICROFINANÇAS Since 2002, we have supported financial inclusion 744k Active R$ 2.0 billion Loan customers portfolio ENDOWMENTS Strong presence in in the structuring of endowments funds through which it is possible to ensure the long-term financial sustainability of non-profit institutions ☑ In 1Q22, we doubled our AUM in this line of business For over 20 Years, contributing to more inclusive Society [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 22 22#23✩ ESG Shareholders Customers People Communities And through a solid Corporate Governance E ESG as a metric for evaluating executive performance Board of Directors: 27.3% are women T Structure Shareholders Meeting Fiscal Committe BOD Board of Directors (BOD) Advisory Committees to the Board Executive Board (C-Level) INVESTIDOR RELATIONS Executive Committee: Composed of CEO and Executive Vice-Presidents Executive Officers Independent Directors Non- independent Directors Independent Members Non- independent Members 4 7 Audit 1 3 Nomination and 1 1 1 Governance Compensation 1 1 1 Risk and Compliance 1 2 1 Sustainabillity 1 - 2 3 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 23#2433333 11 " D " " " " T " " T Π Results recurring RE SUL TS Efficiency 1922 36.0% +1.8 p.p. YoY -1.4 p.p. QoQ " " " " " " " Π " " " " " " " " " " " " " " T (R$ million) 1Q22 1Q21 1Q22 x 1Q21 4Q21 1Q22 x 4Q21 Net Interest Income 13,938 13,426 3.8% 14,150 -1.5% Financial Highlights Fees 4,617 4,367 5.7% 4,980 -7.3% Total Revenues 18,555 17,793 4.3% 19,131 -3.0% Allowance for Loan Losses -4,612 -3,161 45.9% -3,693 24.9% General Expenses -5,534 -5,008 10.5% -5,618 -1.5% Others -2,829 -3,157 -10.4% -4,172 -32.2% Profit Before Taxes 5,581 6,467 -13.7% 5,648 -1.2% Taxes and Minority Interest NET PROFIT -1,576 -2,512 -37.3% -1,767 -10.8% 4,005 3,955 1.3% 3,880 3.2% IIIIII O= Recurrence Ratio ROA 83.4% 1.7% -3.8 p.p. YoY -5.2 p.p. QoQ +0.1 p.p. YoY +0.1 p.p. QoQ ROAE 20.7% +0.1 p.p. YoY +0.6 p.p. QoQ BIS Ratio 14.7% CET1 11.7% 24 INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq#25Results S Fees Net Interest Income Customer NII R$ 13.9 billion Market Activities R$ 84 million Cards R$ 1.3 +27.7% Billion YOY Insurance +29.6% R$ 0.7 +0.1% YoY Billion YOY Capital Market -96.9% R$ 0.4 +1.0% YOY Billion YoY Spread (p.a.) 11.3% o l INVESTIDOR RELATIONS +1.29 p.p. YoY Asset Management¹ R$ 0.3 -2.9% Billion YoY 1 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Asset Management fee revenue NPL Indicators NPL 90 days 2.9% More information in Earnings Release 1Q22 +0.77 p.p. YoY NPL 15-90 days 4.2% +0.64 p.p. YoY Cost of credit 3.5% +0.89 p.p. YoY Coverage 215% -68.1 p.p. YoY 25 25 Financial Highlights#26Takeaways 1 To be the Best Financial Services Consumer Company in Brazil Focus on four interconnected pillars: BE 200 20 19 TH 3 NO BL 12 TO Santander Customer centricity incorporate the customer-advocacy mindset into everything we do. (i) Focusing on the client experience, (ii) designing strong and more integrated sales channels, (iii) improving our customer's ability to self- serve, (iv) developing dynamic and personalized pricing models, and (v) shifting our orientation Culture a truly horizontal culture, where empowerment, meritocracy and diversity represent key pillars, and all pieces of the engine 'think and act' as business units Integrated sales channels aim to build the best sales platform in Brazil. Integrated sale and post-sale offering. Customers served 24x7 however they want. Omni-channel approach: digital, remote sales, physical and external channels Innovation and capital a continuous focus on organic innovation, such as "TransferNowPayLater" ('DividePIX'), UseCasa home-equity product, SX Integra. And innovating on "legacy products. All that capital deployment has been centered around delivering solid shareholders returns and payouts, one of the best ROE global " I *****....**** +-----....... 2 Consistently high profitability, generating benchmark shareholder returns, which reached 20.7% of ROAE 3 Consistently adding more clients and strong loyalty pace drive revenue growth, supported by commercial activity A Loan quality under control, with an already anticipated deterioration in NPL due to the macroeconomic backdrop and mix. Ability to anticipate CCCCC INVESTIDOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq >>>>> 5 Responsible growth and intense country development agenda 26 26#27Santander Investor Relations (Brazil) Av. Juscelino Kubitschek, 2.235, 26th floor São Paulo | SP | Brazil | 04543-011 Phone: 0800 286 8484 E-mails: [email protected] [email protected] Our purpose is to help people and businesses prosper. And we believe everything we do should be: Simple | Personal | Fair リリリリ