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SCALABLE AND DIVERSIFIED BUSINESS MODEL ACROSS ALL OPERATING UNITS COMMERCIAL BANKING INDIVIDUALS SMEs CONSUMER FINANCE "SANTANDER FINANCIAMENTOS" WHOLESALE BANKING CORPORATE BROAD PORTFOLIO OF PRODUCTS AND SERVICES | SANTANDER ECOSYSTEM TOTAL CREDIT PORTFOLIO PRODUCT AND SEGMENT BREAKDOWN (share in total loans) SCIB R$ BILLION 352.0 411.7 CORPORATE 28% 29% 11% 14% SMES 17% 15% CONSUMER FINANCE 44% INDIVIDUALS 42% DEC-20 INDIVIDUALS CONSUMER FINANCE Personal Loans and Others; 19% Leasing/Vehicles; 2% Others; 10% Credit Card; 21% Agricultural loan; 5% CORPORATE AND SMES Leasing/Vehicles; Agricultural Loan; 3% 2% Foreign Trade; 18% Сос Mortgage Loans; 25% Payroll Loans; 28% Working Vehicles; 90% Capital and Others; 69% Onlending; 6% Mortgage Loans; 1% Dec-19 Santander Dec-20 23

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