1Q22 Results and Strategic Update

Takeaways 1 To be the Best Financial Services Consumer Company in Brazil Focus on four interconnected pillars: T 10 B Santander Customer centricity incorporate the customer-advocacy mindset into everything we do. (i) Focusing on the client experience, (ii) designing strong and more integrated sales channels, (iii) improving our customer's ability to self- serve, (iv) developing dynamic and personalized pricing models, and (v) shifting our orientation Culture a truly horizontal culture, where empowerment, meritocracy and diversity represent key pillars, and all pieces of the engine 'think and act' as business units Integrated sales channels aim to build the best sales platform in Brazil. Integrated sale and post-sale offering. Customers served 24x7 however they want. Omni-channel approach: digital, remote sales, physical and external channels Innovation and capital a continuous focus on organic innovation, such as "Transfer NowPayLater" ('DividePIX'), UseCasa home-equity product, SX Integra. And innovating on "legacy products. All that capital deployment has been centered around delivering solid shareholders returns and payouts, one of the best ROE global 10 E " I ..........*** *****...***** + *********+ + + + ****----** + - - - + 4 2 Consistently high profitability, generating benchmark shareholder returns, which reached 20.7% of ROAE 3 Consistently adding more clients and strong loyalty pace drive revenue growth, supported by commercial activity A Loan quality under control, with an already anticipated deterioration in NPL due to the macroeconomic backdrop and mix. Ability to anticipate >>>> 5 Responsible growth and intense country development agenda 24 24

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