#1Institutional Presentation τέας Santander 3rd quarter of 2022 (BR GAAP) Results Presentation Earnings Release 3Q22 3Q22#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. INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 2#3CEO Message e Mario Leão • . " In 4Q21, we initiated the implementation of a strategy to anticipate credit cycles. As a result, the current period leads to lower revenues due to the selective credit policies we applied to our portfolio, as well as the negative sensitivity of the market activities margin to the yield curve - in addition to the loan loss allowance still at a challenging stage of the cycle, as expected, with non-performing loans exhibiting signs of stability. We continue to have one of the most powerful platforms for individuals in Brazil, and when the time is right, we will accelerate its expansion. We have clear opportunities for growth, which will be resumed through credit expansion, NPL reduction, and expense control. We see opportunities in (i) customer acquisition and their loyalty, (ii) revenue and business expansion, and (iii) controlling the cost of credit. Building the best consumer company in the country entails a culture oriented towards growth and profitability, effectively designed around the customer, with offerings that suit their needs and through increasingly integrated and available sales channels, serving customers wherever and whenever they desire, thus allowing us to grow the frequency with which they utilize our services and their preference for us. Our strategy remains anchored in a horizontal culture in which empowerment, meritocracy, and diversity reinforce our performance and contribute to society's development, and where all our people, with a business and customer perspective, become brand promoters and influencers. Together, we continue to build our story of growth and transformation - a "non-negotiable" vision of the future here at Santander. A sustainable and profitable company, with a unique, commercial, and ambitious culture. 55 INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 3 >>>>#4Key aspects of the Brazilian market FX (BRL/USD) Impacted by external and local uncertainties 1% Inflation (% p.a.) Slow convergence to the midpoint of the target range 5.20 5.58 5.30 3.87 4.03 3.31 2017 2018 2019 2020 2021 10.06 5.54 3.75 4.31 4.52 2.95 I 20221 2017 2018 2019 2020 2021 20221 Selic Rate (% p.a.) Necessary (and strong) adjustment must be made to keep inflation in check 880 GDP (% p.a.) Economy at a moderate pace ahead 13.75 9.25 1.30 1.78 1.22 7.00 6.50 4.50 2.00 -3.88 INVESTOR RELATIONS 2017 2018 2019 2020 2021 2022¹ 2017 2018 2019 2020 2021 2022¹ [email protected] 4.62 2.81 IIIIII Aug-17 Nov-17 Feb-18 Economic activity performance (%) Macroeconomy and Financial System May-18 Aug-18 Nov-18 Feb-19 May-19 Aug-19 -Industrial production Nov-19 Feb-20 May-20 Aug-20 -Retail sales Nov-20 Feb-21 May-21 Aug-21 Nov-21 Feb-22 May-22 Aug-22 -Volume of services Social indicator 8.7% Unemployment Rate Sep-22 -60 bps Sep-22 vs. Jun-22 -390 bps Sep-22 vs. Sep-21 0800 286 8484 Sources: Brazilian Central Bank and IBGE 1 Santander Brasil estimate FAQ www.santander.com.br/faq 4 8.0 1.6 1.2#55% -13 -1 -5 -9 7 3 V Key aspects of the Brazilian market Characteristics of the Brazilian market A Primary balance and gross debt (% of GDP) 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 Primary balance Gross debt Dec-21 Mar-22 Jun-22 Sep-22 To Brazilian financial system profile Provision for loan losses rate - Segment | Institution 4% 3% 2% 1% Sep-17 -Total INVESTOR RELATIONS 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 Jun-22 Sep-22 -Individuals -Corporate -Public [email protected] -Private 3.7% 3.4% 2.9% 2.2% 1.6% 70 Macroeconomy and Financial System Investment¹ (% of GDP) Brazil risk (CDS 5 years, bps) 100 90 80 60 50 14.8 Jun-17 Household debt (%) Aug-17 Nov-17 Feb-18 May-18 Aug-18 Nov-18 0800 286 8484 FAQ www.santander.com.br/faq Feb-19 18.9 313 196 Jun-22 Sep-17 Sep-22 May-19 Aug-19 Nov-19 Feb-20 May-20 Aug-20 Nov-20 Feb-21 May-21 Aug-21 Nov-21 -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 Feb-22 May-22 Aug-22 52.9 33.5 19.3 5#6Santander Brasil Profile Santander Brasil's consolidated footprint in the Brazilian market IPO and aquisition Efficiency and processes Commercial transformation and profitability Initial public offering (IPO) 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) INVESTOR 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, Monetus and Kokpyt 90% aquisition of Apê11 80% aquisition of Solution4Fleet 66.7% aquisition of Car10 100% aquisition of Paytec 100% aquisition of Liderança Cobranças 6#7Expansion of our business Through the effective connection of our ecosystem and the ever-growing loyalty of our customers INVESTOR RELATIONS 18 billion (+4% YoY) Transactions/month Digital channels 535 million (+12% YoY) Total visits/month Open finance 2.4 million (from Aug-21) Inbound active consents [email protected] Santander Santander Select Corporate & Investment Banking Santander Van Gogh uni>ersia Santander Asset Management Santander Private Banking Santander Securities Services sim. ισορ S4F [Hyundai Capital Santander Negócios & Empresas HI webmotors PSA GROUPE BANCO RCI BRASIL Santander Financiamentos SX TOOLS SXNEGÓCIOS AQUANIMA Grupo Santander 1ST cccce TITELLET SXINTEGRA TEATRO Santander FLROL SANTANDER - ben Santander Seguros 033 rooftop TORO Return emDia Santander Auto Auto Compara helpS Esfera_ car10 PROSPERA Santander Maser ole Dorado Opening new accounts through the ecosystem Consumer Finance 109 thousand/quarter Prospera 96 thousand/quarter 0800 286 8484 FAQ www.santander.com.br/faq Organic and inorganic expansion, 12 acquisitions and partnerships over the past two years 7#8Supported by our commitment to being the... Best consumer company in Brazil Supported by four strategic pillars: 8 Customer Centricity Sales Channels Distribution E Innovation and Profitability 8 88 People Culture Santar INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Santander 8#9Good customer growth and focus on loyalty and profitability Customers (Million) 57.7 56.1 +11% YOY 51.8 +6% 31.1 31.5 YoY 29.7 8.5 7.5 8.6 +14% YOY Sep/22 Total Active Customers with 6 or more products Sep/21 Jun/22 Customer Centricity Revenues (Total) +15% YOY Total customers +26% YoY Active customers +34% YOY Revenue from loyal customers, with revenue 5x higher than non-loyal ones Cost to serve Sales Channels Distribution Innovation ·8. Culture and Profitability 88 People NPS Measured daily across all key businesses 51 points Total 70 points Onboarding Mortgage 78 points % "Consórcios" 89 points Loyalty/Active individual account holders 50% Sep/22 " INVESTOR RELATIONS [email protected] 0800 286 8484 " customers acquired digitally (R$) -37% YoY 28.4 19.5 17.8 గి 3Q21 2Q22 3Q22 FAQ www.santander.com.br/faq Cards 80 points Investment Advisory 67 points 9#10Strategy suited to each customer profile Customer Centricity Sales Channels Distribution Innovation 8. Culture and Profitability 88 People Corporate Large Individuals Santander | Private banking Investments above R$ 5 million Santander | Select Redefinition of the segment, which now allows all customers to have access to its unparalleled customer service 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 Negócios E1 Agência Revenue from R$ 97,000 to R$ 3 million Segmentation [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Santander | Especial Monthly income below R$ 4,000 INVESTOR RELATIONS Negócios Remoto MEI Up to R$ 97,000 in revenue SMEs 10 10#11Diversified business model and scale across all segments Credit portfolio R$ 484.3 billion Corporate Individuals 27% 46% 13% SMES 14% of which Loan concentration Santander Brasil risk Consumer Finance 100 Largest 22% 50 Largest 17% 20 Largest 10% 10 Largest 7% Largest Debtor 1% Loan concentration by sectors (PJ) Agricultural 10% Food, Drinks 8% Transport 8% Commerce 7% Chemical and Petrochemical 6% Others 61% INVESTOR RELATIONS Individuals Customer Centricity Sales Channels Distribution Corporate and SMEs Innovation 8. Culture and Profitability 88 People Consumer Finance R$ billion Balance QoQ R$ billion Balance QoQ R$ billion Balance QoQ Working Capital Payroll 57.5 +3.7% and Others 136.5 +5.0% Auto 57.6 +1.5% Mortgage 55.4 +2.0% Trade Finance 38.7 +4.9% Others 10.4 +1.7% Personal and Others 48.9 +3.0% On-lending 9.7 +3.8% Credit Card 44.4 -0.2% Agricultural 5.8 +12.8% Agricultural 9.7 +7.9% Leasing/Auto 3.4 +1.9% Leasing/Auto 4.4 +1.0% Mortgage 1.8 -0.1% Leasing/Auto Loans; 2% Personal Loans and Others; 22% Agricultural loan; 4% Leasing/Auto Loans; 2% Agricultural Loans; 3% Others, 15% Credit Card, 20% Trade Finance;20% On-lending; 5% Payroll Loans; 26% Mortgage Loans, 25% Working Capital and Others; 70% Mortgage Loans, 1% [email protected] 0800 286 8484 FAQ www.santander.com.br/faq III B Auto loans, 85% " " " 11 " L " L#12Sales Channels experience, integration, availability and reach Multichannel index of loyal customers 98% Physical Channel DINHEIRO NA 3,000 stores HOP Q 15 million store visits/month Increasing presence MO in a plural and SUAV diverse Brazil Increased stores availability Bank to Go 141,000 contracts in 9 months² INVESTOR RELATIONS Ambition: 200,000 contracts in 2022 R [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 8 Customer Centricity Sales Channels Distribution Innovation 8. Culture and Profitability 88 People Expansion into strategic regions Midwest, North and Northeast Specialty stores, based on each customer's profile +16% YoY Average revenue/month 35 stores opened through Sep/22 Store revenue growth +35% YoY New stores³ Ambition of 70 new stores in 2022 +9% YoY Mature stores Loyal customers who have used more than two channels over the last 90 days Disregarding account openings 3 New stores opened over the last 2 years 12#13Sales Channels experience, integration, availability and reach Digital Channel Our Apps Multichannel index of loyal customers 98% < Fique de olho! 15:20 ~560,000 new customers/month 11.4 million new contracts in 3Q22 (+7% YoY) Personalized financial guidance² bringing us even closer to the customer +30 million of recommendations on consumption awareness since its June 2022 debut Em maio você gastou R$278,00 em Restaurantes Esse valor é maior do que normalmente você gasta nessa categoria Cartão de Crédito Final 1003 Gasto médio mensal R$ 178,00 Confira o total de gastos em Restaurantes nos últimos meses ev mar mai jun jul 96% share total transactions/month INVESTOR RELATIONS Improved self-service GENT& 1.7 million customers served/month, including 36% via WhatsApp 8 Customer Centricity Sales Channels Distribution Innovation .8. Culture and Profitability 88 People 1 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Loyal customers who have used more than two channels over the last 90 days 2 Santander 13 APP for individual customers#14Sales Channels experience, integration, availability and reach 8 Customer Centricity Sales Channels Distribution Innovation 8. Culture and Profitability 88 People External Channel Accelerating our expansion we kept expanding geographically 4,673 sales Present in 2,046 locations points 182,000 New contracts/month (+13% QoQ) Remote Channel Sales and post-sales hub SX NEGÓCIOS 10.5 million queries/month R$ 1.8 billion representing 37% of all Brazilian municipalities Loan volume/month (+36% QoQ) 714,000 business generated/month (+70% YTD) 50% of services are provided outside of regular business hours 92% Customer requests 81% resolved during the call Jan/21 Jun/22 95% Sep/22 SX NEGOCIOS somos pessoas que sonham, crescem e realizam. 14 INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq#158 Customer Centricity Sales Channels Distribution Innovation and Profitability 8. Culture People Expanding our portfolio offerings We have continued to broaden our services through STRATEGIC BUSINESSES, expanding them into new markets and diversifying our portfolio offerings Investment Platform VLSE COLL'S 988912 9628 7735 852 ash 92 69 NIDHVW ARB Our investment platform kept evolving, offering a more robust portfolio, with a fresh digital experience and enhanced customer proximity. We launched a new investment portal that allows customers to manage their assets in a contextualized, consolidated, and personalized manner, delivering the best digital solution to users in a simple and intuitive manner. Santander AAA Launched in June 2022, AAA is a model that revolutionizes the concept of investment advisory. It currently features 9 regional hubs and 350 advisors, taking into account investment advisors and traders. Our ambition is to reach 1,300 advisors and 30 regional hubs by 2Q23. ☑ TORO Investment and financial planning platform We continued to expand our customer base and transaction volume, solidifying our position in the investment advisory and financial planning industry. 1.1 million (+85% YoY) 6.5 million +190% YoY) R$ 9.5 billion (+95% YoY) Total customers Unique visits/month AuC in 3Q22 15 INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq#168 Customer Centricity Sales Channels Distribution Innovation and Profitability 8. Culture People Allows for greater commercial activity Cards Real Estate Total turnover 3Q22 R$ 83 billion (+5% YoY) R$ 44.4 billion portfolio of individual credit cards (+13% YoY) Portfolio of loans to individuals R$ 55 billion Individual real estate loan origination rose by 14.5% QoQ (+7% YoY) rebound of activity Digital journey Lead time² for granting mortgage loans -38% YoY from 24 to 15 business day Customer acquisition strategy Premised on a better risk profile, with 98% of new ¡ additions originating from our existing account holder base NPS1 80 points Home-equity UseCasa Market Leaders³ | 23% Market share4 Loan portfolio4 R$ 3.8 billion (+22% YoY) Uselmóvel Credit line with property guarantee for business customers Origination +4.6x grows QoQ INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 1 Assessment of new loans in the quarter 2 Considering the length of time between the submission of all paperwork and the signing of the agreement ³ Among private banks 4 Source: Abecip, base date August 2022 16#17Operating in new markets ben Company operating in the corporate benefits and expense management industry R$ 647 million Turnover 3Q22 (+68% YoY) 775,000 Active cards (+63% YoY) 393,000 Partner establishments 2,800 HR customers (+23% YoY) D (: obniv-n98 mu me zobitnad zusz zaboT 16gul oaini ned DATЯA) RAVITA ИЗВ ОИ ЯАЯТИЗ D INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 8 Customer Centricity Sales Channels Distribution Innovation and Profitability 8. Culture People sim. Digital lending platform for individuals Focus on boosting sales of collateralized products and distribution channels FGTS Journey improvement of the FGTS-secured loans Auto Offer from more than 10 partner Assistance in FGTS-secured loans via WhatsApp, from the time their FGTS funds are released until the transaction is finalized Expansion of our actions, resulting in a more robust performance in strategic products 00000 17#18INSURANCE ECOSYSTEM Santander Corretora Santander Auto helpS Auto Compara 00 Customer Centricity Sales Channels Distribution Innovation 8. Culture and Profitability People Santander Corretora We develop the best insurance products and solutions for businesses and individuals, which are then distributed through our network These are smart, modern, and creative solutions for providing protection via life, benefit, property, transportation, health, agribusiness, and guarantee insurance Auto Compara Vehicle insurance offering platform with a completely online purchase journey 3.3 million R$ 279 million visits in 2022 Gross premiums written 3Q22 (+37% YoY) 62% came from new policies We expanded our offer, with the inclusion of new insurance companies in our platform We collaborated with Waze on the new Green Route feature to help map out charging stations for electric/hybrid vehicles We are committed to developing the finest insurance ecosystem for our customers, whereby we strive to support them in their everyday lives with all-encompassing offers, connected to simple and digital journeys R$ 7.9 billion Ambition: Santander Auto Fully digital insurance company 28% Penetration rate for vehicle financing contracts Premiums written in 9M22 R$ 15 billion (+33% over two years) of premiums in 2023 Issued 54,000 insurance policies R$ 83 million in 3Q22 Premiums written 3Q22 (+30% YoY) We are market leaders among individuals, with a 13% share in premiums INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq " helpS Assistance service for: Car >Home >Bike > Pet Gamers/Tech >> Motorcycle 24/7 assistance service for customers 30,000 contracts since launch with vehicles comprising 45% of sales " " " 18 10#198 Customer Centricity Sales Channels Distribution AUTO PLATFORM Santander Financiamentos Market share¹ 23% Loan portfolio to Individuals Ambition of achieve 25% in 2023 Auto Origination LTV 44.1% Auto loan portfolio +15% vs 1Q22 Goods and Services R$ 10.4 billion Loan portfolio (+16% YoY) > Innovation and Profitability 8. Culture People Cross sell 109,000 Current accounts conquered in the quarter (+5% YoY) Webmotors The largest vehicle platform in the country 420,000 Total ads/ month (+25% YoY) 27 million Visits/month 28,000 Individual advertisers/ month B 1 Source: Brazilian Central Bank, as of August 2022 INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq " " 52 points NPS " 19 T " "#20SMES 8 Customer Centricity Sales Channels Distribution Innovation and Profitability 8. Culture People Benchmark PLAT FORM for COMPANIES Customers New Products and Offerings I SXINTEGRA Record current account openings of 31,000/month via the digital channel We have established ourselves as the market's largest electronic portal for prepayment receivables in just six months, and our ambition is to become the benchmark digital platform for business products and services. In six months: 6,000 active customers R$ 4.8 billion in prepayment of receivables /month 2 67,000 Confirming operations R$ 20 million revenues/ month ComFiança Suitable and appealing offer for customers who activate their business taxpayer identification number ("CNPJ") as a PIX key. As an added bonus, they can choose between unpaid rent guarantee or personal accident insurance free of charge, as well as the opportunity to enter a draw for a variety of prizes. Santander INVESTOR RELATIONS ☑ Incentives Government- programs targeting SMEs 1 R$ 7.6 billion¹ balance Sep/22 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Programa Avançar Our entrepreneur ~447,000 visits in the quarter 1 support and development channel The balance of government-sponsored credit programs was R$ 8.6 billion, as of September 2022, of which R$1.3 billion was granted in 3Q22 20#21WHOLESALE 8 Customer Centricity Sales Channels Distribution We are the only global bank with full presence in Brazil: Innovation and Profitability 8. Culture People Benchmark PLAT FORM for COMPANIES Santander INVESTOR RELATIONS ☑ Foreign- Exchange We are the leading FX bank for the eighth consecutive year, according to the Brazilian Central Bank ranking, with a 12% share of the market's total transaction volume We are the second largest bank in foreign trade with a USD 20 billion portfolio. and a 23% market share Infrastructure According to Bloomberg, we are the global leaders in renewable energy financing advisory; with over USD 10 billion in total credit in 2021, representing a 28.4% market share In terms of trading volume, we rank as the country's second largest independent' energy trader [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Agribusiness We have the largest agricultural commodities hedging desk in the country 54% share in CBIOS (decarbonization credits) underwriting, in addition to a significant involvement in energy transition and climate projects, as well as carbon credit generation, through our partnership with WayCarbon Strong presence in agribusiness receivables securitization 1 Energy traders that do not own generation assets Cash Management According to Global Finance, we are the top cash management bank in Brazil and Latin America, and we work diligently to keep enhancing the customer experience 21#22Agro Ecosystem Comprehensive solutions along the entire chain Gira WayCarbon Commodities Gira Specializes in agribusiness receivables management ¡ 8 Customer Centricity Sales Channels Distribution Innovation and Profitability 8. Culture People Total Portfolio 1 R$ 34 billion (+38% YoY), with the goal of reaching R$ 50 billion by December 2023 WayCarbon Latin America's largest technical consulting firm specializing in climate change Focus on origination of carbon credit projects Market share 6% with a increased of 400bps since 2015 300 Agribusiness dedicated professionals +800 sustainable initiative projects for more than 400 companies Serving 75% of ISE-listed companies INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 1 Febraban portfolio, considering loans, Agro bonds + Rural CDI, as of September 2022 22 22#238 Customer Centricity Sales Channels Distribution Innovation 8. and Profitability 88 People Culture Unique culture Promoting empowerment, meritocracy and diversity Top leadership proximity 88 Diversity and inclusion September 2022 Horizontality as a key component of our culture Leadership present on the front lines Field visits for all functions and across Brazil On-site observation of sales and service realities 7th consecutive year, we were named among the Best Companies to Work For in Brazil in the financial institutions category, by GPTW 2022 29% Black Employees (+1.0 p.p. QoQ) 32% Women in leadership roles (+2.0 p.p. QoQ) INVESTOR RELATIONS 53% Female Employees Employee engagement eNPS175 points in September 2022 Protagonism to knowledge High attendance with: 68% Internal courses taught by our own employees Academia Santander 2030 Encouraging employees to take on leadership through customer-focused training 23 1 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq eNPS (Employee Net Promote Score) - measurement of employee satisfaction level#24ESG ingrained into our culture through solid initiatives. We have been on this path for over 20 years 8 Customer Centricity Sales Channels Distribution Innovation Culture and Profitability 88 People 8. Environmental Benchmark in sustainable businesses R$ 21.6 billion sustainable business enabled in 9M22 We served as guarantors of a BNDES facility for a project to build a major subway line in the city of São Paulo CBIOS Contribution to the establishment of the CBIOS market in 2020 Market leadership with a 54% market share in the year Leadership in renewable energy Financing more than 30% of all wind projects installed in the country Net Zero Access the 2021 ESG and Climate Action Report Carbon Neutral since 2010 82% of internal consumption from renewable energy (Ambition of 100% by 2025) Net Zero Ambition by 2050 INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 24 24#25Social 8 Customer Centricity Sales Channels Distribution Focus on productive inclusion SANTANDER UNIVERSIDADES For 25 years, we have been supporting education 83,000 higher education scholarships awarded through September 2022 Ambition to reach 100,000 by the end of the year SOCIAL INITIATIVES PROSPERA MICROFINANÇAS Financial inclusion R$ 2.4 billion portfolio (+38% YoY) % 142 stores 1,355 agents Innovation 00 Culture and Profitability 88 People. 842,000 active customers (+26% YoY) AMIGO DE VALOR This quarter marked the beginning of the 20th edition of Amigo de Valor program Since 2002, more than 1.6 million children and adolescents across 293 municipalities in Brazil have benefited from this initiative We have helped 175,000 individuals in 9M22, through blood donation and volunteer programs With ambition to: 900,000 active customers by December 2022 R$ 160 million raised by customers and employees Começou o Amigo de Valor 20 PROGRAMA AMIGO DE VALOR Supporting the country's development INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 25#26Corporate Governance ESG Management best practices B B B Structure Shareholders Meeting Fiscal Committe Board of Directors (BOD) Advisory Committees to the Board Executive Board (C-Level) Executive Committee: Composed of CEO and Executive Vice-Presidents Executive Officers INVESTOR RELATIONS . B ESG as a metric for evaluating executive performance 8 Customer Centricity Sales Channels Distribution Board of directors: 27% are women Innovation 00 Culture and Profitability 88 People. ESG culture: awareness of our people with content and engagement actions Independent Non-independent Independent Directors Directors Members Non-independent Members BOD 4 7 Audit 1 3 Nomination and 2 1 1 Governance Compensation 2 1 1 Risk and Compliance 1 2 1 Sustainabillity 1 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 2 3 26 26#27Results RE SUL TS INVESTOR RELATIONS " " " " " " " " D " " " " " T " " >>>>>> " " " " T (R$ million) 3Q22 3Q22 x 2Q22 9M22 9M22 x 9M21 Net Interest Income 12,598 -1.4% 39,311 -5.2% Fees 4,734 -3.0% 14,233 2.4% Total Revenues 17,332 -1.8% 53,544 -3.3% Allowance for Loan Losses -6,209 8.1% -16,566 63.0% General Expenses -5,691 4.8% -16,656 6.8% Others -2,078 31.1% -6,492 -36.6% Profit Before Taxes 3,354 -31.5% 13,830 -28.6% Taxes and Minority Interest -232 -71.4% -2,619 -62.1% NET PROFIT 3,122 -23.5% 11,211 -10.1% IIIIII Recurrence Ratio ROAA ROAE Efficiency Ratio 9M22 3Q22 +3.5 p.p. QoQ 35.7% +1.2 p.p. YoY 37.4% 85.5% -3.7 p.p. YoY 83.2% -6.7 p.p. QoQ 1.5% -0.2 p.p. YoY 1.3% -0.4 p.p. QoQ [email protected] 0800 286 8484 FAQ www.santander.com.br/faq " " " " 19.0% -2.5 p.p. YoY 15.6% -5.2 p.p. QoQ Bis Ratio 14.5% CET1 O= 11.3% 27#28Results S Fees 9M22 的 Cards Net R$ 4.1 +18.4% Interest 9M22 billion YOY Income Customer NII R$ 42.3 +26.2% billion Market Activities R$ -3.0 billion Spread (p.a.) 11.2% INVESTOR RELATIONS More information in Earnings Release 3Q22 經酒 Credit Operations R$ 1.1 -5.0% billion Current Account Collection Services R$ 2.9 -0.7% R$ 1.1 YoY billion YoY billion YOY -3.1% YOY Insurance Asset Management¹ n.a. R$ 2.5 -2.7% R$ 0.9 -9.1% billion YOY billion YOY +1.20 Capital Market R$ 1.1 p.p. YoY billion -1.3% YoY 28 [email protected] 0800 286 8484 FAQ www.santander.com.br/faq Asset Management and "Consórcio" fee revenue Financial Highlights#29Results NPL Indicators NPL Ratios |||||| O= More information in Earnings Release 3Q22 經酒 NPL 90 days 15 - 90 days 90 days 3.0% +0.58 p.p. YoY 5.9% 5.9% 6.1% 4.1% 5.7% NPL 15-90 days 3.6% 5.0% 5.0% 4.6% 3.3% 3.0% 4.3% +0.92 p.p. YoY 4.1% 4.2% 4.2% 4.3% 3.0% 1.7% 3.1% 3.4% 3.5% 1.2% 1.2% 1.4% 2.7% 4.0% 4.1% 4.3% 2.9% 2.9% 3.0% 2.4% 2.1% 1.9% 1.9% 1.9% 1.5% 4.5% 3Q22 Cost of credit 3 months Cost of credit 12 months 3.8% 3Q22 +1.66 p.p. YoY +1.13 p.p. YoY 1.3% 1.3% 1.4% 1.1% 1.3% 3Q19 3Q20 3Q21 4Q21 1Q22 2Q22 3Q22 0.9% 3Q19 3Q20 3Q21 4Q21 1Q22 2Q22 3Q22 Individuals - Total - Corporate & SMEs - Individuals Total Corporate & SMEs Coverage Ratio Over 90 days 248% 224% 226% Coverage 226% INVESTOR RELATIONS -22.1 p.p. YoY [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 3Q21 2Q22 3Q22 29 Financial Highlights#30Santander Investor Relations (Brazil) Av. Presidente 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