#1RESULTS (BR GAAP) 2ND QUARTER 2021 Santander A STORY OF TECHNOLOGICAL TRANSFORMATION WITH AN EYE ON THE CUSTOMER#2DISCLAIMER 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. 154.1 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. 2#3AGENDA ② STRATEGIC UPDATE 2Q21 RESULTS HIGHLIGHTS 154.1 R TAKEAWAYS 3#4ÅÅÅÅ OUR CUSTOMERS INTEGRATED BUSINESS SYSTEM FOCUSED ON DELIVERING THE BEST CUSTOMER EXPERIENCE WITH A FAST PACE OF ACQUISITION AND LOYALTY +50MM CUSTOMERS Santander Select Santander Corporate Santander Acionistas getnet реобрем SX Negócios webmotors AUTO ECOSYSTEM 35MM INTERACTIONS. /MONTH loop Hagandal Capital Santander Van Gogh Santander Universidades Santander Corporate & Inventent Banking Santander Seguros PSA Santander Financiamentos Santander Auto Santander Private Banking emDia Supert superdarytal ●Santander Negócios e Empresas FOROL 033 опор olé sim. BISJO<IUN Santander Asset Management ZURICH Santander Santander Securities Services SUB SATANIC GU 2 OUR OUR OUR PEOPLE COMMUNITIES SHAREHOLDERS TOROP DIGITAL CHANNELS +503MM TOTAL VISITS /MONTH RReturn Esfera. AQUANIMA 4 STRATEGY#5TWE KEEP GROWING CUSTOMERS OPEN SEA OPPORTUNITIES DIGITAL ÅÅÅÅ OUR CUSTOMERS 2 OUR OUR SHAREHOLDERS OUR PEOPLE COMMUNITIES 17.3 MM TOTAL CUSTOMERS/MONTH +2.2x SALES/YOY REMOTE SXNEGÓCIOS SERVICE MODEL +300k SALES/MONTH PHYSICAL +15MM PEOPLE IN STORES/MONTH EXPANSION IN STRATEGIC REGIONS OF WHICH 50% NON-CUSTOMERS +15% REVENUE EXTERNAL CHANNEL +5K POINTS OF SALES +290K SALES/MONTH 5 STRATEGY#6ÅÅÅÅ OUR CUSTOMERS 2 OUR OUR PEOPLE COMMUNITIES OUR SHAREHOLDERS COMBINING PROFITABILITY WITH RAPID AND PROFITABLE CUSTOMER BASE EXPANSION JUNE-21 6 PRODUCTS OR MORE LOYAL 3 TO 5 PRODUCTS UP TO 2 PRODUCTS ENGAGEMENT POTENTIAL 50.2MM TOTAL CUSTOMERS 80% OF REVENUE 7.1MM 7.0MM 14.9MM ACTIVE ACCOUNT HOLDERS QoQ ACQUISITION SPEED +1,247k +600K CUSTOMERS/ MONTH +50% YoY NPS 62.7 +542k HIGH LEVELS +67k 21.2MM +638k POINTS MAKING IT PROFITABLE Դ +6% YoY REVENUE PER TOTAL CUSTOMER 6 STRATEGY#71 ÅÅÅÅ OUR CUSTOMERS 2 OUR PEOPLE OUR OUR COMMUNITIES SHAREHOLDERS HINGED ON A TECHNOLOGICAL AND SOLID CULTURE ALIGNED WITH OUR AMBITION CAPACITY +300MM WIDE-SCALE ADOPTION TRANSACTIONS PROCESSED PER DAY OF ARTIFICIAL INTELLIGENCE AND BIG DATA GENT&19.8MM CUSTOMERS SERVED¹ 4 0 72% OF OUR OPERATIONS ARE ON THE CLOUD IN 2021 SPEED AND PRODUCTIVITY TIME-TO-MARKET HAS IMPROVED CURRENTLY 85% OF PROJECTS RUN ON AGILE AND DEVOPS, WITH AVERAGE DELIVERY SPEED < 40 DIAS +8.7K DEPLOYMENTS OF NEW PRODUCTS AND SOLUTIONS IN 2021 SOLIDITY -90% SIGNIFICANT INCIDENTS OVER THE LAST 3 YEARS AND AVERAGE AVAILABILITY > 99.85% SINCE THE LAUNCH OF THE ARTIFICIAL INTELLIGENCE PLATFORM IN MAY/20 7 STRATEGY#8ÅÅÅÅ OUR CUSTOMERS OUR OUR PEOPLE COMMUNITIES OUR SHAREHOLDERS AND COMPRISED OF A DETERMINED TEAM THAT ENCOURAGES TO PLAY A LEADING ROLE IN THEIR PROFESSIONAL DEVELOPMENT Cent& 30% OF LEADERSHIP POSITIONS ARE HELD BY WOMEN VALUING OUR PEOPLE TAKING ON A LEADING ROLE IN KNOWLEDGE ACADEMIA SANTANDER RECOGNIZED BY OUR CUSTOMERS AND THE MARKET 26% OF EMPLOYEES ARE BLACK 5% OF EMPLOYEES ARE PEOPLE WITH DISABILITIES +3K COURSES HELD IN 2Q21 >73% INTERNAL MULTIPLIERS Melhores Empresas para Trabalhar™ LGBTQI+ Great Place To WorkⓇ BRASIL 2021 Melhores Empresas para Trabalhar™ Mulher Great Place To WorkⓇ BRASIL 2021 WE ARE ONE OF THE BEST COMPANIES TO WORK FOR LGBTQIA+ WOMEN STRATEGY#9COUPLED WITH OUR DRIVE TO SUPPORT OUR SOCIETY "CDC SOLAR" CAMPAIGN +R$250MM DISBURSED & PROSPERA CDC BIKE +620k ACTIVE CUSTOMERS BICYCLE FINANCING R$ 1.5Bi PORTFOLIO INCENTIVE 2 OUR OUR SHAREHOLDERS OUR CUSTOMERS OUR PEOPLE COMMUNITIES 12% PROJECT FINANCE - ENERGY 5% PROSPERA 3% 1 RENEWABLE ENERGY R$27.6Bi BUSINESSES ENABLED 6% OTHER 74% BONDS ESG SANTANDER NET ZERO AMBITION 1ST BRAZILIAN BANK TO JOIN THE NET-ZERO-BANKING ALLIANCE LOW-CARBON CDB (TIME DEPOSIT) CARDS MADE OF RECYCLED PVC NEW PINHEIROS RIVER US$ 25MM LOAN TO HELP CLEAN UP THE RIVER² BRAZIL'S 1ST SUSTAINABLE STATION 1,454M² OF GREEN AREA 70% OF ENERGY FROM SOLAR PANELS WATER REUSE SYSTEM SOCIAL INITIATIVE "BRASIL SEM FOME" CAMPAIGN +200K FOOD BASKETS DONATED ACCOLADES MELHORES ESG eco Prémio Eco Brasil exame. 'DISBURSEMENT + ADVISORY; 2 DESENVOLVE SP: FINANCIAL INSTITUTION OF THE STATE GOVERNMENT OF SÃO PAULO 9 STRATEGY#10ÅÅÅÅ 2 OUR CUSTOMERS OUR PEOPLE OUR COMMUNITIES WITH MARKET POSITIONING AND LEADERSHIP IN GLOBAL BANK GO-TO BANK FOR WHOLESALE INFRASTRUCTURE BANKING LEADING FX BANK FOR THE LAST 8 YEARS 2ND LARGEST FOREIGN TRADE PORTFOLIO AMONG BANKS WITH US$ 15Bi R$ 5Bi DIRECTED TO FINANCING THE SANITATION SECTOR ENERGY TRADING - TOP 5 IN BRAZIL IN JUST ONE YEAR +250 WIND FARMS ENABLED 1 PENDING REGULATORY APPROVALS GO-TO BANK FOR AGRIBUSINESS LARGEST AGRICULTURAL COMMODITIES DESK IN BRAZIL CBIOSILDFLE RENOVABIO: ~70% OF CBIOS TRADED LEADERSHIP IN GREEN FINANCING, AMBITION OF R$ 5Bi PORTFOLIO BY DEC-21 GO-TO BANK FOR EQUITIES LARGEST INTERNATIONAL BANK IN STOCK OFFERINGS IN BRAZIL INVOLVED IN 17 STOCK OFFERINGS AND + R$ 30.5Bi IN VOLUME IN THE 1ST HALF OF 2021 TORO: AGREEMENT FOR MOBILLS AND MONETUS ACQUISITIONS ADD MORE THAN 10MM CUSTOMERS TO OUR PLATFORM 10 OUR SHAREHOLDERS STRATEGY#11ROE ALLOWING US TO DELIVER VALUE TO OUR SHAREHOLDERS THROUGH RECURRING AND CONSISTENT RESULTS TOTAL RETURN² (TOTAL RETURN ANALYSIS) 5 YEARS (%) 21.3 21.5 19.9 20.6 21.6 16.9 12.8 13.3 19.11 NET PROFIT (R$ Bi) 14.5 15.6 12.4 4.2 4.0 10.0 13.81 6.6 7.3 1 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17 OUR CUSTOMERS 2 OUR PEOPLE COMMUNITIES Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 NET PROFIT Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 HIGHEST NET PROFIT IN OUR HISTORY MARKET BREAKDOWN | 1Q21 MARKET CAP 20 20 29 20 20 20 20 1Q 17 18 19 20 21 2Q 21 27% 1541 3 CONSIDERING AN EXTRAORDINARY PROVISION OF R$ 3.2BI. 2 BLOOMBERG. ³ COST OF EQUITY 73% 2% O 98% OUR OUR SHAREHOLDERS 226 153 IBOV BANKS > COE³ INSTITUTIONS < COE³ 11 STRATEGY#12AGENDA STRATEGIC UPDATE 2Q21 RESULTS TAKEAWAYS HIGHLIGHTS 154.116 12#13PRO FORMA RESULTS¹ 2Q21 x 2Q21 x (R$ million) 2Q21 2Q20 1Q21 2Q20 1Q21 Net Interest Income 13,424 13,629 -1.5% 13,426 0.0% Fees 4,700 3,705 26.8% 4,367 7.6% Total Revenues 18,124 17,335 4.6% 17,793 1.9% Allowance for Loan Losses -3,325 -3,334 -0.3% -3,161 5.2% General Expenses -5,106 -4,930 3.6% -5,008 2.0% Others -3,015 -3,049 -1.1% -3,157 -4.5% Profit Before Taxes 6,678 6,022 10.9% 6,467 3.3% Taxes and Minority Interest -2,507 -2,160 16.1% -2,512 -0.2% Net Income w/o extraordinary provision 4,171 3,862 8.0% 3,955 5.4% Extraordinary Allowance for Loan Losses -3,200 Monstrede Taxes 1,440 NET PROFIT 4,171 2,102 98.4% 3,955 5.4% EFFICIENCY RATIO RECURRENCE RATIO BIS RATIO ROA ROE 33.8% -0.8 P.P. YOY 92.0% +16.9 P.P. YOY 14.7% 1.7% 21.6% CET1 12.6% 1 THE PARTIAL SPIN-OFF OF SANTANDER BRASIL WAS APPROVED AT THE EGM HELD ON MARCH 31ST, 2021, RESULTING IN THE SEGREGATION OF THE SHARES OF ITS OWNERSHIP ISSUED BY GETNET. CONSEQUENTLY, FOR COMPARABILITY PURPOSES, WE HAVE RECLASSIFIED THE 2020 INFORMATION DISREGARDING THE GETNET FIGURES. 13 RESULTS#14NII HIGHLIGHTED BY CUSTOMER MARGIN GROWTH DUE TO GREATER TRANSACTIONALITY, BOTH YEARLY AND QUARTERLY NET INTEREST INCOME (R$ million) 10.9% 10.6% 10.2% MARGINS 2Q21 x 2Q21 x (R$ million) 2Q21 2Q20 1Q21 13,629 13,426 13,424 Customers 11,473 4.0% 1.6% MARKET NII 2,600 2,129 1,951 Product NII 11,332 6.1% 1.6% Volume 445,474 13.7% 4.5% 4% 2% Margins 10.2% -0.7 p.p -0.4 p.p CUSTOMERS NII 11,029 11,297 11,473 Market activities 1,951 -25.0% -8.4% Net Interest Income 13,424 -1.5% 0.0% 2Q20 1Q21 2Q21 14 RESULTS#15PORTFOLIO RETAIL IS THE HIGHLIGHT IN THE YEAR AND QUARTER CREDIT PORTFOLIO (R$ billion) Jun/21 x Jun/21 x (R$ million) Jun/21 Jun/20 Mar/21 15% Individuals 189,805 20.9% 6.4% 4% Consumer finance 62,188 9.6% 1.7% SMES 58,906 29.8% 6.5% 439.8 424.8 Corporate 128,898 4.2% -0.8% 382.9 13.4% 13.0% Total 439,797 14.9% 15.6% 3.5% 4.5% 11.9% Other transactions1 70,517 29.3% 30.6% Expanded portfolio 510,314 11.9% 14.4% -3.1% 32.3% 2.6% DISREGARDING THE FX FLUCTUATION 14.1% 14.4% 14.8% DEFERRED LOANS R$ 32.4Bi PORTFOLIO JUN-21 R$ 17.4Bi AMORTIZED 4.6% 15-90 DAYS NPL 42.0% 43.2% 41.0% Jun-20 INDIVIDUALS Mar-21 CONSUMER FINANCE Jun-21 CORPORATE SMES COLLATERALIZED INDIVIDUALS LOAN PORTFOLIO + PAYROLL LOANS / OVERALL INDIVIDUALS LOAN PORTFOLIO 1 INCLUDING DEBENTURES, FIDC, CRI, PROMISSORY NOTES, INTERNATIONAL DISTRIBUTION PROMISSORY NOTES AND GUARANTEES 71% PORTFOLIO JUN-21 15 RESULTS#16LIQUIDITY/ FUNDING STEADY IMPROVEMENT CAPITAL FUNDING BIS RATIO Jun/21x Jun/21 x (R$ million) Jun/21 Jun/20 Mar/21 Demand deposits 42,177 6.8% 6.0% Savings deposits 64,748 16.1% 1.7% Time deposits 286,381 11.5% 4.5% 15.2% 14.7% 14.4% Financial Bills 20,719 -7.7% 46.8% Others¹ 54,304 -5.9% -1.5% Funding from customers 468,330 8.3% 4.8% 12.6% 12.6% 11.9% - Reserve requirement -61,075 6.9% 4.0% Others 103,185 14.4% -7.0% Total Funding - balance Assets under management (AuM) 510,440 9.7% 2.3% 390,224 7.2% 2.8% Jun-20 Mar-21 Jun-21 Total Funding + AuM 900,664 8.6% 2.5% BIS RATIO CET1 IMPROVEMENT OF LOAN TO DEPOSIT 93.9% 603 BPS 1 INCLUDING DEBENTURES, REAL ESTATE CREDIT NOTES (LCI), AGRIBUSINESS CREDIT NOTES (LCA), SECURED REAL ESTATE NOTES (LIG) AND STRUCTURED TRANSACTION CERTIFICATES (COE)) 16 RESULTS#17FEES ROBUST ANNUAL AND QUARTERLY GROWTH, DRIVEN BY INCREASED CUSTOMER BASE AND LOYALTY FEES (R$ million) 2Q21 x 2Q21 x (R$ million) 2Q21 2Q20 1Q21 27% 8% Cards 1,146 39.8% 10.1% Current account 965 2.4% 0.5% Insurance 920 28.7% 23.9% 4,700 4,367 Asset management 341 50.4% 2.8% 3,705 Lending operations 372 21.3% - 1.6% Collection services 371 8.3% -0.2% ☐ Securities brokerage and 350 60.5% -4.9% placement Others 235 74.6% 34.8% Total 4,700 26.8% 7.6% 2Q20 1Q21 2Q21 17 RESULTS#18PORTFOLIO QUALITY SUPPORTED BY SOLID AND ACTIVE RISK MANAGEMENT NPL INDICATORS COVERAGE RATIO OVER 90 DAYS 15 90 DAYS 283% 5.2% 272% 263% 4.6% 4.8% 4.2% 4.3% 3.6% 2.7% 3.1% 2.8% 3.3% 1.7% 1.2% 1.5% 1.1% 1.1% 2Q20 3Q20 4Q20 1Q21 2Q21 90 DAYS 3.5% 3.0% 3.0% 3.1% 3.2% 2Q20 1Q21 2Q21 ALLOWANCE FOR LOAN LOSSES (R$ million) COST OF CREDIT 6.0% 3.1% 2.6% 2.7% 6,534 I I I 3,200 I 3,161 3,325 I 2.4% 2.1% 2.1% 2.1% 2.2% 1.2% 0.9% 0.9% 1.0% 1.1% 2Q20 3Q20 4Q20 1Q21 2Q21 ― Individuals Total - Corporate & SMEs 4,045 3,914 4,071 -711 -753 -746 2Q20 1Q21 2Q21 PROVISIONS FOR LOAN LOSSES RECOVERY OF WRITTEN-OFF LOANS COST OF CREDIT CONSIDERING THE EXTRAORDINARY PROVISION 18 RESULTS#19BEST EFFICIENCY LEVEL IN THE SECTOR 1 AS A RESULT OF DILIGENT COST MANAGEMENT GENERAL EXPENSES (R$ million) 4% 2% 4,930 556 5,008 5,106 611 610 4,373 4,397 4,496 2Q20 ADMINISTRATIVES AND PERSONNEL EXPENSES 1Q21 2Q21 DEPRECIATION AND AMORTIZATION INFLATION 8,35% IN 12 MONTHS ADMINISTRATIVE AND PERSONNEL EXPENSES BREAKDOWN (R$ million) 3% 2% 4,373 4,397 4,496 2,172 2,186 2,177 2,201 2,212 2,319 2Q20 1Q21 2Q21 PERSONNEL EXPENSES ADMINISTRATIVES EXPENSES EFFICIENCY RATIO EVOLUTION 34.6% IN 1Q21, WE COMPLETED 15 QUARTERS WITH THE BEST EFFICIENCY RATIO IN THE INDUSTRY AMONG PRIVATE PEERS 2Q20 33.8% 2Q21 19 RESULTS#20AGENDA R STRATEGIC UPDATE 2Q21 RESULTS TAKEAWAYS HIGHLIGHTS 154.1 20 20#21TAKEAWAYS BEST RESULT IN OUR HISTORY, CONFIRMING THAT WE HAVE ADEQUATELY PREPARED FOR DIFFERENT SCENARIOS A BEST EFFICIENCY RATIO IN THE SECTOR AND IN OUR HISTORY: 33.8% 2 D RECORD CUSTOMER ACQUISITION, EVIDENCING OUR ASSERTIVE STRATEGY OF BUILDING A UNIQUE PLATFORM WITH A COMPLETE OFFERING AND SERVICE COMMITMENT 5 ROE CONSISTENCY: 21.6% 3 6 OUTSTANDING BUSINESS PERFORMANCE: SUSTAINABLE REVENUE GROWTH, LOWER EXPENSES AND CREDIT COST BELOW 2019 CULTURE THAT VALUES OUR PEOPLE AND IS COMMITTED TO SOCIETY 21 TAKEAWAYS#22APPENDIX APPENDIX 22 22#23P&L (R$ million) 2Q21 2Q20 Abs. 12M Net interest income 13,424 13,629 -205 -1.5% Allowance for loan losses -3,325 -3,334 9 -0.3% Net interest income after loan losses 10,099 10,295 -196 -1.9% Fees 4,700 3,705 994 26.8% General expenses -5,106 -4,930 -176 3.6% Personnel expenses + profit sharing -2,177 -2,172 -5 0.2% Administrative expenses -2,929 -2,758 -171 6.2% Tax expenses -1,209 -899 -310 34.5% Other Income (Expenses) -1,825 -2,185 359 -16.4% Investments in Affiliates and Subsidiaries 21 3 18 534.9% Non-Operating Income -1 32 -33 -103.5% Profit before taxes 6,678 6,022 656 10.9% Income tax and social contribution tax -2,465 -2,113 -352 16.6% Minority interest -43 -47 5 - 10.0% Net profit w/o additional provision 4,171 3,862 309 8.0% Extraordinary Allowance for Loan Losses 0 -3,200 3200 n.a Taxes 0 1,440 -1440 n.a Net profit 4,171 2,102 2,069 98.4% APPENDIX 23 23#24P&L (R$ million) 2Q20 3Q20 4Q20 1Q21 2Q21 Net interest income 13,629 12,448 12,418 13,426 13,424 Allowance for loan losses -3,334 -2,916 -2,883 -3,161 -3,325 Net interest income after loan losses 10,295 9,532 9,536 10,264 10,099 Fees 3,705 4,271 4,601 4,367 4,700 General expenses -4,930 -5,117 -5,327 -5,008 -5,106 Personnel expenses + profit sharing -2,172 -2,191 -2,125 -2,186 -2,177 Administrative expenses -2,758 -2,926 -3,202 -2,822 -2,929 Tax expenses -899 -1,008 -1,171 -1,044 -1,209 Other Income (Expenses) -2,185 -1,339 -1,879 -2,150 -1,825 Investments in Affiliates and Subsidiaries 3 18 31 8 21 Non-Operating Income 32 16 -13 29 -1 Profit before taxes 6,022 6,372 5,776 6,467 6,678 Income tax and social contribution tax -2,113 -2,463 -1,839 -2,481 -2,465 Minority interest -47 -50 -59 -31 -43 Net profit w/o additional provision 3,862 3,859 3,878 3,955 4,171 Extraordinary Allowance for Loan Losses -3,200 0 0 0 0 Taxes 1,440 0 0 0 0 Net profit 2,102 3,859 3,878 3,955 4,171 APPENDIX 24 24#25Balance sheet - Assets Jun/20 Sep/20 Dec/20 Mar/21 Jun/21 (R$ million) Current asset and long-term assets 973,953 968,524 988,538 966,346 928,932 Cash and cash equivalents 22,655 15,338 19,512 14,434 28,111 Interbank investments 49,272 59,400 69,698 79,629 42,917 Securities and derivative financial instrument 252,185 249,332 266,088 264,385 247,425 Interbank accounts 80,345 85,145 91,368 80,348 85,949 Interbranch accounts 64 4 Lending operations 357,943 372,688 383,564 399,832 416,370 Allowance for loan losses -25,394 -25,001 -25,067 -25,728 -26,002 Other receivables 208,866 184,248 156,175 125,756 106,021 Other assets 2,624 2,370 2,132 1,962 2,140 Permanent assets 13,726 13,698 13,851 11,804 11,980 Intangibles Investments Fixed assets Goodwill net of amortization 359 382 333 354 398 7,037 6,987 7,047 6,295 6,192 6,330 6,330 6,472 5,155 5,390 1,998 1,927 2,019 1,006 1,280 Others 4,332 4,402 4,453 4,149 4,110 Total assets 987,679 982,222 1,002,389 978,150 940,912 Total assets (excluding goodwill) 985,681 980,295 1,000,370 977,144 939,632 APPENDIX 25 25#26Balance sheet- Liabilities and Jun/20 Sep/20 Dec/20 Mar/21 Jun/21 Equity (R$ million) Current liabilities and long-term liabilities Deposits Demand deposits 911,647 903,725 921,915 898,805 860,176 358,061 384,218 390,052 383,441 398,588 39,497 43,414 41,821 39,777 42,177 Saving deposits 55,756 59,443 63,307 63,674 64,748 Interbank deposits 5,943 6,111 5,145 6,000 5,281 Time deposits 256,866 275,249 279,779 273,990 286,381 Other Deposits 0 0 0 0 0 Money market funding 124,920 119,163 154,997 165,423 123,448 Funds from acceptance and issuance of securities 81,831 73,549 70,628 70,726 76,258 Interbank accounts 2,040 2,508 435 1,724 2,414 Interbranch accounts 3,996 4,166 4,831 4,748 4,471 Borrowings 53,413 55,853 55,012 71,507 67,667 Domestic onlendings - official institutions 12,067 12,355 12,748 12,326 11,869 Derivative financial instruments 41,639 38,521 36,269 34,077 30,199 Other payables 233,680 213,391 196,943 154,832 145,262 Deferred income 476 577 356 358 414 Minority interest 1,103 Equity 74,453 1,154 76,766 1,151 1,224 1,297 Total liabilities and equity 987,679 982,222 Equity (excluding goodwill) 72,455 74,839 78,968 1,002,389 76,949 77,763 978,150 76,757 79,024 940,912 77,744. 26 APPENDIX#27Balance sheet - Loan Jun/21 Jun/20 12M Mar/21 3M Portfolio (R$ million) Individuals 189,805 157,002 20.9% 178,391 6.4% Leasing / auto loans (*) 4,059 3,225 25.9% 3,990 1.7% Credit card 36,511 29,240 24.9% 34,030 7.3% Payroll loans 52,374 45,451 15.2% 49,352 6.1% Mortgage 49,185 38,373 28.2% 46,473 5.8% Agricultural loans 8,734 6,853 27.4% 8,661 0.8% Personal loans / others 38,942 33,859 15.0% 35,885 8.5% Consumer finance 62,188 56,732 9.6% 61,137 1.7% Corporate 187,804 169,143 11.0% 185,256 1.4% Leasing / auto loans 4,780 4,007 19.3% 4,640 3.0% Real estate 1,887 2,369 -20.3% 1,869 1.0% Trade finance 33,970 41,840 -18.8% 35,007 -3.0% On-lending 11,314 10,662 6.1% 11,314 0.0% Agricultural loans 4,254 5,923 -28.2% 5,164 -17.6% Working capital/others 131,599 104,343 26.1% 127,262 3.4% Total 439,797 382,877 14.9% 424,784 3.5% (*) INCLUDING CONSUMER LENDING, THE CONSUMER AUTO LOAN PORTFOLIO FOR INDIVIDUALS TOTALED R$ 56,365 MILLION IN JUN/21, R$ 55,764 MILLION IN MAR/21 AND R$ 51,930 MILLION IN JUN/20 APPENDIX 27 27#28SuperGet S™ F1 F2 GETNET 2Q20 2Q21 YOY TOTAL MARKET SHARE ACTIVE BASE 735K 876K 19% POS DEVICES READY TO MAKE 1.6MM 2.0MM 28% 13.1% 2Q20 16.5% 2Q21 (E) TRANSACTIONS TPV R$ 53 Bi R$ 96Bi 84% E-COMMERCE MARKET-SHARE RECEIVABLES LL F PREPAYMENT R$ 15Bi R$ 29Bi 88% 27% 4Q201 33% 2Q211 COST PER TRANSACTION R$ 0.42 R$ 0.28 -32% F3 F4 1 47 7. 2 ABC h 5 8 TUV 3 DEF 6 MNO 9 WXYZ 0 RESULTS 1H20 1H21 (R$ MM) REVENUE 1,100 1,239 COSTS AND EXPENSES -775 -960 NET PROFIT 236 188 EBITDA 640 732 'INTERNAL ESTIMATES, FEDERAL REVENUE BULLETIN, ELECTRONIC INVOICE 28 APPENDIX#29Santander Investor Relations (Brazil) Av, Juscelino Kubitschek, 2.235, 26th floor São Paulo | SP | Brazil | 04543-011 Phone: 55 11 3553 3300 E-mails: [email protected] [email protected] Santander Most sustainable bank in the world ISEB3 FTSE4Good MEMBER OF Dow Jones Sustainability Indices In collaboration with SAM OUR PURPOSE IS TO HELP PEOPLE AND BUSINESSES PROSPER. 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