Annual Integrated Report slide image

Annual Integrated Report

2022 highlights: . We anticipated the credit cycle and prepared our operations to withstand a more demanding economic environment; • We achieved history-making results across several of our businesses, including Consórcios and our corporate offerings; We concluded the year with a profitability of 16.3% and are well positioned for 2023. $ DECENT WORK AND ECONOMIC GROWTH M Annual Integrated Report Table of Contents Introduction Value Creation | Economic Performance | Environmental Social Governance Appendices Prix ne Laing 2.PR 2018 JAM 125 Hot D Nor BUCY W N JOLX 8 125 Sincas 3 30338 ANY 10 vepe V L BU3 A ERICKSB 雞 2830 Ba Sa Te - 232 -0 131 GLS-AM 3120 BU 11 3214 LED N XJ Ava, Paction 451 WE13 BLOOMBERG DOLLAR DOSES DAY'S GROW SPARES & PRODUCT DEVET CHEF BOGASSONS AT COLM KMB 15 CR NOT BASED 12300 UN 35 Big To S-Tram UP, DIT. BOGEN 24975 CASAS PEAINED CONTANT SCOVERENCE MOTH TRUPLANS AS STRATTON HAS ENGED 8. S4 wo Portal G & 3030 PF Norw 15:52:25 13:52:25 18:52:25 Sao Paulo New York London 70 2111 1000 (価格 St Apt CER 15:52:23 at thengen TRU ANYS Farm Part Pave P 0 Focus on growth pillars To attain sustainable and high-quality growth, we rely on our ability to anticipate scenarios and execute a customer-centric strategy, while reinforcing a culture of efficiency and productivity ECONOMIC PERFORMANCE 24 24 Santander 25
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