Investor Presentaiton

exeg Brazil 'The best way to grow in a profitable, recurring and sustainable manner is by providing high quality services' ■ Strategic priorities Expand our customer base and profitability, with robust new customer acquisition dynamics and steady loyalty growth Build a more integrated distribution platform, a benchmark in the market, to strengthen connectivity between businesses Maintain loan quality indicators under control, backed by continuous enhancements to our risk models Consolidate the productivity culture, with a relentless pursuit for operational efficiency Maintain profitability levels by adapting to different scenarios through innovation 9M'22 Highlights Branches 2,903 00 MA Employees 53,699 Total customers (mn) 57.7 2 Digital customers (mn) 19.9 ■ Customer loans (€ bn) 98 Customer funds (€ bn) 126 Underlying attributable profit (€ mn) 2,027 ROTE¹ 26.8% Santander (1) Adjusted ROTE: adjusted based on Group's deployed capital calculated as contribution of RWAs at 12%. Using tangible equity, ROTE is 20.7%. Customer loans: gross loans excluding reverse repos. Customer funds: customer deposits excluding repos + marketed mutual funds. More information at https://www.santander.com/en/about-us/where-we-are/santander-brasil 28 88

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