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SOLID RISK CULTURE GROUP RISKS ARE CALIBRATED IN THE GROUP, ENABLING BUSINESS CONTINUITY AND PREDICTABILITY IN THE FACE OF DIVERSE HISTORY MANAGEMENT AND CONTROL OF THE ACTUAL LOCAL RISK PROFILE ENSURE THE MODEL'S ROBUSTNESS GLOBAL RISK CONTROL PLATFORMS CREDIT RISK MODEL RISK MARKET RISK REPUTATIONAL RISK LIQUIDITY RISK GOVERNANCE PROCESSES 1st LINE OF DEFENSE ALL BUSINESS UNITS AND SUPPORT AREAS PART OF SANTANDER'S DAILY BUSINESS • MANAGED BY THE BUSINESS 2nd LINE OF DEFENSE RISK CONTROL AND COMPLIANCE ENSURING THAT THE RISKS ARE MANAGED IN ACCORDANCE WITH THE AGREED RISK APPETITE 3rd LINE OF DEFENSE INTERNAL AUDIT ⚫ REVIEW OF CONTROLS, PROCESSES AND MANAGEMENT STRUCTURAL RISK CONDUCT RISK STRATEGIC RISK DATA OICIO METHODOLOGY 10 10 01 COMPLIANCE LEGAL MONEY LAUNDRY PREVENTION OPERATIONAL RISK Santander 100 LARGEST 24% LOAN 50 LARGEST CONCENTRATION SANTANDER BRASIL 18% 20 LARGEST 11% RISK DEC-20 10 LARGEST LARGEST DEBTOR 7% 1% 13

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