Investor Presentaiton

CEO Message • . " "E Mario Leão We stared to experience the positive effects of the increased lending selectivity implemented since the end of 4Q21. We noted improvements in the allowance for loan losses and in the short-term NPL ratio this quarter, evidencing the quality of the new vintages, which allows for a bias towards improving cost of credit over 2023 and enhances our ability to resume growth. We continue to make progress in building our growth pillars: (i) We are a digital Bank with Branches, and by strengthening our multichannel capabilities, we aim to serve our customers when, where and how they desire, providing them with a straightforward and comprehensive offering. Thus, through data intelligence, we can gain even deeper insights into our customers, understanding their life cycle, and striving for their principality. (ii) Customer base monetization drives franchise growth. We have a customer-oriented strategy, constantly seeking to deliver the finest experience, journey, and satisfaction, enabling us to increase customer acquisition and loyalty. All of this is accompanied by a strong commitment to the quality of our services, which translates into satisfaction, as we continue to evolve our NPS across our sales channels. (iii) Business and revenue growth through a comprehensive ecosystem, with substantial cross-selling opportunities, maximizing value via customer acquisition and profitability, in addition to monetizing equity stakes. As drivers of our growth, we underscore: (1) Investments for individuals with Toro, highlighted by the full acquisition of the company, AAA and Private; (2) In Companies, we remain committed to building the benchmark platform for business; (3) In Agribusiness, we operate throughout the value chain; (4) In cards, broadening our presence in the country's cultural domain; (5) In Consumer Finance, we remain market leaders in auto loans to individuals, with a focus on the quality of new lending. (6) In payroll loans, we maintained a strong origination pace, higher than the market. (iv) Through Innovation and Technology, we continued to leverage our business using a technological culture. We made strides with F1RST, with a culture aligned with our ambition, and we launched Tools Digital Services, aiming to expand our offering to the market in 2024. We also continued to demonstrate delivery speed while incorporating data intelligence as one of the pillars of our business. All our accomplishments are supported by our people through a unique and horizontal culture founded on empowerment, protagonism, and diversity, creating a company where "everyone is all business" by thinking as both customer and salesperson, while taking responsibility for the customer experience. לל >>>> INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 3

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