Investor Presentaiton

9 Portfolio quality More information in Earnings Release 2Q23 Cost of risk¹ 12-month cost of risk 3-month cost of risk 2 3 4.3% 4.5% 4.5% 2.9% 3.3% 3.7% 5.0% 4.2% 4.4% 4.5% 2 3 3.4% 3.9% NPL Ratios Individuals Total Corporate & SME 1Q22 2Q22 3Q22 4Q22 1Q23 2Q23 15 - 90 days 6.3% 6.5% 5.9% 6.1% 5.9% Wholesale 0.15% Coverage 4.8% Stable QoQ Ratio over 90 days 4.2% -0.10 p.p. YoY 4.2% 4.3% 4.5% 4.5% 4.2% 2.7% 3.3% 224% 244% 214% SMEs 5.21% 1.9% 1.9% 2.0% 1.9% 1.8% -0.18 p.p. QoQ 1.5% +0.11 p.p. YoY 1.1% 2Q22 1Q23 2Q23 2Q20 2Q21 2Q22 3Q22 4Q22 1Q23 2Q23 90 days Renegotiated Loan Portfolio 4.8% 4.5% Renegotiated Portfolio Allowance for loan losses over renegotiated portfolio Provisioning ratio 4.1% 4.3% 4.3% 54.4% 53.1% 3.5% 3.2% Wholesale 0.10% 46.6% 48.5% 48.9% 3.3% -0.01 p.p. QoQ 35,381 36,922 36,844 35,600 2.9% 3.0% 3.1% 3.2% +0.04 p.p. YoY 31,684 2.4% 14,775 17,149 18,050 20,031 18,909 2.2% SMEs 1.4% 1.2% 1.1% 1.1% 1.3% 1.4% 1.4% 4.15% -0.02 p.p. QoQ +0.83 p.p. YoY 2Q22 3Q22 4Q22 1Q23 2Q23 2Q20 2Q21 2Q22 3Q22 4Q22 1Q23 2Q23 INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 'As of this quarter, we started to include agribusiness receivables certificates ("CRA"), credit rights investment funds ("FIDC"), and rural product bonds ("CPR") in the composition of "other operations", alongside debentures, real estate receivables certificates ("CRI"), international distribution promissory notes, promissory notes, and guarantees. For comparability purposes, we have reclassified the portfolio for the year 2022 and 1Q23. 2Disregarding the effect of the additional provision booked in 31 1Q23. ³Disregarding the impact of the additional provision reversal that took place in 2Q23. Considering the extraordinary events that occurred during the first half of the year, the 3-month credit cost would have been 3.0%, while the 12-month credit cost would have reached 4.9%. Financial Highlights

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