Investor Presentaiton

INDICATORS ROAA Santander EFFICIENCY RATIO 1.8% 37.0% IN 2020 -1.8 p.p. YOY RECURRENCE RATIO 86.2% IN 2020 -1.7 p.p. YOY 21.5% 1.6% 21.3% 19.1% 1.4% -0.4 p.p. YOY -2.2 p.p. YOY 2019 2020 2019 ROAE Disregards extraordinary provision of R$ 3.2Bi 2020 43

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