Investor Presentaiton

8 Customer Centricity Sales Channels Distribution Innovation and Profitability 8. Culture People Allows for greater commercial activity Cards Real Estate Total turnover 3Q22 R$ 83 billion (+5% YoY) R$ 44.4 billion portfolio of individual credit cards (+13% YoY) Portfolio of loans to individuals R$ 55 billion Individual real estate loan origination rose by 14.5% QoQ (+7% YoY) rebound of activity Digital journey Lead time² for granting mortgage loans -38% YoY from 24 to 15 business day Customer acquisition strategy Premised on a better risk profile, with 98% of new ¡ additions originating from our existing account holder base NPS1 80 points Home-equity UseCasa Market Leaders³ | 23% Market share4 Loan portfolio4 R$ 3.8 billion (+22% YoY) Uselmóvel Credit line with property guarantee for business customers Origination +4.6x grows QoQ INVESTOR RELATIONS [email protected] 0800 286 8484 FAQ www.santander.com.br/faq 1 Assessment of new loans in the quarter 2 Considering the length of time between the submission of all paperwork and the signing of the agreement ³ Among private banks 4 Source: Abecip, base date August 2022 16

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