Investor Presentaiton

NII GROWS BY VOLUME NET INTEREST INCOME (R$ million) -2% 0% 7% 51,103 47,933 (R$ million) 12M20 % 12M % 3M 8,063 MARKET 12,605 NII 1,718 4,923 Customers 43,040 0.1% 1.1% 12,432 12,396 1,899 1,751 Product NII 41,399 2.6% 0.7% 43,010 43,040 Volume 392,240 20.4% 4.9% Spread 10.5% -1.9 p.p 10,888 -0.4 p.p CUSTOMERS 10,533 10,645 NII Working Capital 1,641 -38.2% 10.7% Market activities 8,063 63.8% -7.8% 4Q19 3Q20 4Q20 2019 2020 Net Interest Income 51.103 6.6% -0.3% Santander 34

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