Investor Presentaiton

Diversified business model and scale across all segments Credit portfolio R$ 484.3 billion Corporate Individuals 27% 46% 13% SMES 14% of which Loan concentration Santander Brasil risk Consumer Finance 100 Largest 22% 50 Largest 17% 20 Largest 10% 10 Largest 7% Largest Debtor 1% Loan concentration by sectors (PJ) Agricultural 10% Food, Drinks 8% Transport 8% Commerce 7% Chemical and Petrochemical 6% Others 61% INVESTOR RELATIONS Individuals Customer Centricity Sales Channels Distribution Corporate and SMEs Innovation 8. Culture and Profitability 88 People Consumer Finance R$ billion Balance QoQ R$ billion Balance QoQ R$ billion Balance QoQ Working Capital Payroll 57.5 +3.7% and Others 136.5 +5.0% Auto 57.6 +1.5% Mortgage 55.4 +2.0% Trade Finance 38.7 +4.9% Others 10.4 +1.7% Personal and Others 48.9 +3.0% On-lending 9.7 +3.8% Credit Card 44.4 -0.2% Agricultural 5.8 +12.8% Agricultural 9.7 +7.9% Leasing/Auto 3.4 +1.9% Leasing/Auto 4.4 +1.0% Mortgage 1.8 -0.1% Leasing/Auto Loans; 2% Personal Loans and Others; 22% Agricultural loan; 4% Leasing/Auto Loans; 2% Agricultural Loans; 3% Others, 15% Credit Card, 20% Trade Finance;20% On-lending; 5% Payroll Loans; 26% Mortgage Loans, 25% Working Capital and Others; 70% Mortgage Loans, 1% [email protected] 0800 286 8484 FAQ www.santander.com.br/faq III B Auto loans, 85% " " " 11 " L " L

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