Investor Presentaiton

FUNDING STEADY IMPROVEMENT FUNDING FROM CUSTOMERS (R$ billion) (R$ million) 353.7 Dec-19 Santander (29% 1% 451.1 Sep-20 Dec-20 % 12M % 3M Demand deposits 41,821 43.7% -3.7% Savings deposits 455.8 Time deposits 63,307 29.1% 279,779 47.0% 6.5% 1.6% Financial Bills Others¹ Funding from customers 16,078 -48.3% -10.3% 54,767 1.3% 455,751 28.9% -0.5% 1.0% - Reserve requirement Others -58,409 -16.2% 3.6% 90,279 22.4% -1.9% 487,621 36.3% 0.2% Dec-20 Total Funding - balance Assets under management (AUM) 384,650 7.5% 1.0% Total Funding + AuM 872,271 21.9% 0.5% Including debentures, real estate credit notes (LCI), agricultural credit notes (LCA), secured real estate notes (LIG) and structured transaction certificates (COE) 37

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