PitchSend

Investor Presentaiton

Results (R$ million) Net Interest Income Fees 2Q23 13,579 13,145 1Q23 2Q23 x 1Q23 3.3% 1H23 1H22 26,724 26,713 1H23 x 1H22 0.0% 4,810 4,699 2.4% Total Revenues 18,389 17,844 3.1% Allowance for Loan Losses -5,980 -6,765 -11.6% General Expenses -5,973 -5,913 1.0% Others -4,436 -3,272 35.6% 24, Recurring Profit Before Taxes 2,000 1,895 5.5% 9,509 36,234 36,212 -12,745 -10,357 -11,886 -7,709 -4,413 3,895 10,476 9,499 0.1% L 0.1% 23.1% ☐ -10,966 8.4% " 74.7% -62.8% N 23,78 Taxes and Minority Interest 309 245 25.8% 24,40 Recurring net profit 2,309 2,140 7.9% 554 4,449 -2,387 8,089 n.a. " -45.0% - L Additional Provision 1,450 -4,236 n.a. -2,786 n.a. 23,785 Tax Liabilities -2,672 4,236 n.a. 1,564 n.a. Divestment of Webmotors stake 1,105 n.a. 1,105 " n.a. " Taxes on extraordinary events 67 n.a. 67 n.a. Net Profit 2,259 2,140 5.5% 4,399 8,089 -45.6% Recurring Efficiency Recurring ROA Recurring ROAE BIS Ratio INVESTOR RELATIONS 2Q23 1H23 42.9% +2.1 p.p. QoQ 41.8% +6.9 p.p. YoY [email protected] 0.9% 0.0 p.p. QoQ 0.8% -0.8 p.p. YoY 0800 286 8484 FAQ www.santander.com.br/faq 11.2% +0.7 p.p. QoQ 10.9% -9.9 p.p. YoY 13.5% -0.3 p.p. QoQ -0.7 p.p. YoY CET1 10.6% -0.2 p.p. QoQ -0.5 p.p. YoY 14.1% Considering Resolution No. 2291 11.2% Considering Resolution No. 2291 1 Considering the expected impact of Brazilian Central Bank Resolution No. 229, which came into effect in July 2023 28

View entire presentation