1Q22 Earnings Release Presentation

1% 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

View entire presentation